Public Adjusters in Fort Lauderdale, FL
At ICA Public Adjusters, we represent all sorts of policyholders in Broward County and do our best to get money into the hands of Florida residents. As public adjusters in Fort Lauderdale, we work with your insurance company to negotiate and settle damage claims to your property. The value of an insurance adjuster when working with a difficult insurance company is immeasurable.
We provide services specific to the needs of Fort Lauderdale businesses and residents. We know the local neighborhoods, negotiate with insurance agents based in Florida, and represent the kinds of claims common to Fort Lauderdale on a daily basis. For example, older homes in long-established neighborhoods like Victoria Park and Colee Hammock may have pipe leaks caused by corrosion, fires due to old electrical wiring, or other damage related to the age of the property. A public adjuster without this kind of local knowledge will not be able to advocate for you as successfully.
What Should I Expect When Hiring A Public Adjuster?
A public adjuster handles all aspects of a claim. It’s possible to hire a public adjuster in Fort Lauderdale when you’ve already begun repairs or the claim process, especially if you find more extensive damage than expected or feel that your claim is not being handled properly by the insurance company.
Usually, a public adjuster will begin by documenting the damage. If you’ve already taken photos or otherwise recorded the problem, the claims adjuster may still do more, as they know exactly what insurance companies need to prove the extent of the damage. They will then estimate exactly how much you should receive to cover any repairs, lost property, or other related issues that have arisen.
Next, the insurance adjuster in Fort Lauderdale will submit your claim to the insurance company and undergo the negotiation process. Sometimes this can be quick, as experienced professionals like the ones at ICA Public Adjusters know how to work with insurance companies efficiently. But, we also want you to get an optimal payout, so there may be some back and forth to get you the amount you deserve.
Once the public adjuster negotiates the claim, they will give you the check for your payout. You should know that most public adjusters, including ICA, do not expect you to pay out of pocket for our services. Instead, we sign an agreement that we will receive a percentage of your payout, so your success is our success.
What Should I Look For In A Good Public Adjuster In Fort Lauderdale?
A good public adjuster should have all of the following attributes. If you are considering someone who does not fit these criteria, re-evaluate your choice and make sure you trust the person you are hiring.
Expertise in Fort Lauderdale
While there are certain similarities across claims no matter the city they come from, it is smart to work with a public adjuster who knows your city. They will be able to address the specific needs of your area.
In Fort Lauderdale, we’re particularly prone to flooding. We’re known as the Venice of America because of our extensive canal system. This is a lovely title, but considering our proximity to so much water and the amount of precipitation we get in a year, it can spell disaster if your home or business is in an at-risk area. In fact, nearly two-thirds of the properties in Fort Lauderdale have a 26% chance of flooding in the next 30 years. So, at ICA Public Adjusters, we’ve developed extensive knowledge of the best methods for water damage and storm damage claims in Broward County.
Check to see if the Fort Lauderdale public adjuster you’re hiring is licensed and bonded. This is a requirement in the industry, as it proves the qualifications necessary to negotiate on your behalf with insurance companies.
It’s also a good indicator if your insurance adjuster is part of state and national organizations. We belong to the Florida Association of Public Insurance Adjusters, as well as the National Association of Public Insurance Adjusters. We commit to staying up to date with the standards and best practices of our industry.
Contingency Fee Policy
As mentioned, most public adjusters do not make you pay before receiving a payout. This is called a contingency fee; our earnings are determined by your payout, and if you do not get a settlement, we also get nothing.
It’s also good to look for other perks your insurance adjuster may offer that lighten the burden of cost for you after your property is damaged. For example, ICA provides free policy reviews for customers who need assistance understanding their insurance policies. The text of your policy is not always straightforward, but we have years of experience analyzing and working with this type of text.
Claims We Represent
Pipe Leak Damage
Fort Lauderdale is a relatively old city. Our Broward County town was first built in 1838 and incorporated in 1911. The houses here have been around for a while, with the vast majority of housing units being over 40 years old. Pipe leaks frequently occur due to corroded pipes, and the chance of corrosion increases with age. If you haven’t had your home repiped before, there’s a chance you could be facing damage from a pipe leak.
Kitchen Leak Damage
The kitchen is one of the most critical parts of your home, with multiple appliances that you likely use on a daily basis. When a leak occurs in your kitchen, it can incur a great expense, as there may be damage to those appliances, to the floor, or to the walls. Our goal is to get you back on your feet with a payout that covers everything you need to refresh your kitchen.
Roof Leak Damage
Roofs can leak for many reasons. Storms and rain, of course, have a major impact on your roof. During the summer, Fort Lauderdale frequently sees over 20 rainy days a month. Over time, these persistent weather conditions may weaken your roof and produce a leak. If you notice damage to your roof and decide to proceed with an insurance claim, count on ICA Public Adjusters in Fort Lauderdale to handle it for you.
Business interruption is a type of commercial insurance that protects your company in the case of a major event that makes it impossible to continue work. For example, a fire, a flood, or vandalism may make it impossible to sustain business as usual for a period of time. Business interruption settlements will allow you to pay employees and maintain your business while you rectify the situation.
Vandalism & Theft
Hurricane season lasts from June to November, and we often see extreme weather conditions from Atlantic hurricanes in Fort Lauderdale. At ICA Public Adjusters, we specialize in responses to hurricane damage, as these are some of the most destructive storms out there. Flooding, destroyed roofs, collapsed walls and ceilings, and other major structural damage are possible when hurricanes blow through. We will inspect and document the full extent of the damage, so you can maximize your claim.