Public Adjusters in Boca Raton, FL

When you’re in a crisis due to damaged or lost property, dealing with an insurance company is the last thing you want to do. That’s where ICA Public Adjusters in Boca Raton come in! We handle the whole claims process for you, from the initial documentation of the damage to the moment when you get your payout. Not only that, but we commit to maximizing your settlement during negotiations. While insurance companies will give you money when you submit claims yourself, they often act in their own interests by offering less money than you actually need to perform repairs or replace lost or destroyed property. Whether you live in downtown Boca Raton or a country club community like Boca West, we are happy to work with you on nearly any claim covered by your insurance. We work with both residential and commercial clients. We are licensed public adjusters in Florida, with memberships in both the state and national public adjuster associations (the Florida Association of Public Insurance Adjusters and the National Association of Public Insurance Adjusters).

Company, Independent, & Public Adjusters

You may hear a few different terms thrown around to describe professionals involved in the claims process.

Company Adjusters

Company adjusters work for the insurance company. They are sometimes sent in when you initially file a claim to inspect the damage, then they process the claim. Their goal is to benefit the insurance company, so they may not initially offer you what you deserve. There is no cost to use the adjuster provided by the insurance company.

Independent Adjusters

Independent adjusters are independent contractors hired by the insurance company. They also represent the company’s interests, not yours, and are functionally very similar to company adjusters.

Public Adjusters

Public adjusters advocate for you, not the insurance company. This is the only type of adjuster who works on your behalf to negotiate your payout and improve your chances of getting more substantial compensation. ICA Public Adjusters in Boca Raton, FL falls into this category.

In Florida, there are a few different types of licenses for claims adjusters, including an all-lines adjuster license and a public adjuster license. Company and independent adjusters must have an all-lines license, while public adjusters get the specialized public adjuster license.

Residential Services

Your home is your sanctuary, and it is extremely disruptive when natural or man-made causes damage it. The median year in which houses in Boca Raton were built in 1982, which means some of these older homes require special care and maintenance to preserve not only their appearance, but also their safety.

You’ll see a wide variety of architecture styles in Boca Raton, including Modern Floridian, Key West Style, and bungalows, which are all so integral to the look and feel of our Palm Beach County city. These are styles which you can only see locally, in Florida. This is why it’s so important to work with a Boca Raton public adjuster when your home is infested with mold, flooded, or otherwise compromised. Only those with local experience will know how to advocate for your home’s specific needs.

Mold Damage

Did you know that mold can grow in your drywall, on your roof, and in other places that are difficult to see? Once you find this type of mold, it may have already caused problems for your home and family. Mold frequently causes the following problems:

Staining on your walls
Damage to organic materials, like wood, paper, etc.
Health risks, especially for those with asthma or allergies
Deterioration to your HVAC system or any other air conditioning or filtration
Bad, musty smells throughout your home

Mold can also be a sign of another problem. Often, mold grows wherever water is present, which could mean you have a leak somewhere. Mold damage is often expensive to repair, so why wouldn’t you call a public adjuster to help you negotiate your settlement?

Fire Damage

One of the most common claims we receive as public adjusters in Boca Raton is for fire damage. Fires can be incredibly destructive, even if your whole home isn’t lost. Any belongings, furniture, or fixtures in the path of the fire will likely need to be replaced or repaired. Smoke alone can cause damage as well. Depending on the type of smoke, it may leave noticeable marks or soot that is difficult to clean off, impart a strong odor onto parts of your home, or even destroy your electrical wiring. When a fire has destroyed all or part of your home, we want to make sure you get enough money back to cover the costs of the damage.

Pipe Leak Damage

Pipes may leak when they get old or the joints loosen. While we’re lucky to avoid frozen pipes in Boca Raton, pipes are actually affected by the heat as well as the cold. Heat causes metal to expand, which can shift pipes or encourage breaks.

When a pipe bursts, you will need to not only repair the parts of your home that are now waterlogged, but you will also have to patch or possibly even replace parts of your plumbing system. This can be an expensive enterprise without a Boca Raton public adjuster at your side.

Kitchen Leak Damage

Kitchens are frequently the site of leaks from dishwashers, sinks, and more. While this type of problem may seem relatively minor compared to a house fire or burst pipe, the cost of a kitchen leak quickly adds up if you need to replace major appliances or flooring damaged by water.

Roof Leak Damage

There are many different warning signs of roof leaks, including the following:

Water damage in your home, including stains and spots
Mold growing on your roof or in your home
Light visible through the roof in the attic
High energy bills due to poor insulation
Broken, missing, or deteriorated shingles

Keep an eye out for leaks to catch them before they get worse. Especially during the rainy season in Boca Raton, a small problem can quickly turn into a big one. If you do wind up with an extensive roof leak that requires repair, ICA Public Adjusters has your back.

Vandalism & Theft

Theft and vandalism are both destabilizing. While most of the other claims we cover are caused by nature, these crimes committed by other humans feel more personal and often carry emotional scars long after the event itself. It’s nice to have someone on your side when handling this kind of crisis, which is just part of why we recommend getting a public adjuster to help with this particular type of claim.

Hurricane Damage

Boca Raton has a run-in with hurricanes about once every two and a half years. That means it is likely you will see damage from a hurricane if you live here. Although it’s possible to luck out and move on quickly from the impact, there’s also a chance that your home will bear the full brunt of a hurricane.

After hurricanes blow through Boca Raton and southeastern Florida, insurance companies have to address numerous claims from policyholders across the area. A public adjuster can help push through your claim efficiently, while still getting you the attention your claim deserves. You will not be lost in the shuffle when you hire ICA to represent your hurricane damage claim.

Storm Damage

Tropical storms also hit Boca Raton with relative frequency. In fact, we see all sorts of weather events, especially severe thunderstorms and high winds, that may cause damage to your home too. So long as your insurance policy covers these weather events, we can negotiate with the insurance company on your behalf. If you’re unsure about what your policy means, you are always welcome to bring it to us, and we will review it for free.

Commercial Services

Businesses can rely on ICA Public Adjusters in Boca Raton to submit claims for the same types of damage listed above for residential customers. We tailor our services to the requirements of commercial properties, which means we’re often handling larger, more complex claims. Whether you’re scrambling to repair your warehouse facility after a hurricane or you are recovering from a kitchen fire in your restaurant, we’ve got you covered.

There are a number of wonderful businesses headquartered in Boca Raton, from medical technology companies to financial services. We are also home to beloved local small business, including restaurants, retail, and more. And, of course, we are lucky to be the site of the largest indoor mall in Palm Beach County, Town Center. Our goal as commercial public adjusters in Boca Raton is to provide support, no matter the type of business with our standard claims services, as well as commercial-specific ones.

Business Interruption

You want to do right by your employees, even when you can’t support them due to an unforeseen crisis. This is why it’s important to have business interruption insurance. This will give you the boost you need to cover expenses and keep your business running when a covered loss or interruption occurs. Here are the types of expenses a business interruption settlement will help you cover:

Other costs may be covered too, like relocation fees if you need to permanently or temporarily move your business due to damage. Contact us now to learn more about what ICA Public Adjusters can do for your business.

1 INSPECTION

One of our Public Adjuster will inspect your property. He will look for any damage, which could be covered by your insurance policy.

3 OFFER

When your estimate is ready, we will send the documents to your insurance company to request the money for your repairs.

5 PAYOUT

When the deal is finalized, your insurance company will send us your check. We will give it to you, and you can start your renovation right away.

2 ESTIMATE

After our inspection is done, we will calculate and put together the best estimate for you, to get the most out of your claim.

4 NEGOTIATION

Your insurance company will contact us and we will start the negotiation. They always want to give less, but we are here for you to get the most our of your claim.

1 INSPECTION

One of our Public Adjuster will inspect your property. He will look for any damage, which could be covered by your insurance policy.

2 ESTIMATE

After our inspection is done, we will calculate and put together the best estimate for you, to get the most out of your claim.

3 OFFER

When your estimate is ready, we will send the documents to your insurance company to request the money for your repairs.

4 NEGOTIATION

Your insurance company will contact us and we will start the negotiation. They always want to give less, but we are here for you to get the most our of your claim.

5 PAYOUT

When the deal is finalized, your insurance company will send us your check. We will give it to you, and you can start your renovation right away.

THE MORE INFORMATION YOU HAVE, THE BETTER IT IS FOR THE CASE

To Get You Started On The Claim Process, Be Prepared To Provide The Following

Policyholder Information

Name of insured, address, phone number, e-mail, and policy number

Description Of Loss

Everything you can recall can help us: time and date of the loss, location of the incident, a detailed description of damages

Authority Notification

Note all authorities notified (e.g. fire department, police, etc.)

Emergency Service Companies

In case, you already contacted any emergency service companies or performed any sort of damage mitigation, please let us know

FREQUENTLY ASKED QUESTIONS

What is the roof leak claim?

A roof leak claim Is the process of seeking insurance coverage for damages caused by a leak in the roof of a property. It involves filing a claim with the insurance company to receive financial assistance for roof repairs and restoration due to the water damage caused by the leak.

How does the claims process work with ICA ?

When you engage ICA for your roof leak claim, we will work closely with you to gather all necessary documentation, assess the damages, and negotiate with the insurance company on your behalf. We handle the paperwork, communicate with the adjusters, and advocate for your best interests to achieve a fair and satisfactory settlement for your claim.

What steps should I take if I discover a roof leak in my property?

If you discover a roof leak, it’s important to take immediate action to minimize further damage. Start by safely collecting evidence, such as photographs or videos of the leak and resulting damage. Then, contact a professional roofer to assess and repair the leak, and inform your insurance company about the situation.

How long does the roof leak claim process usually take?

The duration of the roof leak claim process can vary depending on factors such as the complexity of the claim, the extent of the damage, and the efficiency of communication between you and ICA.