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.

Licensed Professionals

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

We represent a wide range of claims, and in fact, we’re happy to negotiate most types of claims on your behalf, so long as you are insured. We work with both residential and commercial claims in Fort Lauderdale, FL. Here is a breakdown of the most common types of damage we see.

Mold Damage

Mold poses a threat to the well-being of your family and home. There are several factors that contribute to the growth of mold, including the present of mold spores, the temperature (mold thrives in mild temperatures between 50 and 70 degrees), access to nutrients, and water. Mold can extract moisture from the air, which makes Fort Lauderdale homes especially susceptible to mold infestations. The average relative humidity is typically between 60 and 70% year-round, which creates the perfect conditions for mold growth.

Fire Damage

Fire damage can be much more far-reaching and costly to fix than you might expect. Smoke can damage your home, as well as the fire itself. A whole-house loss due to fire is emotionally devastating as well, as you lose personal belongings and the space you live in. Those things can’t be replaced easily, but the team at ICA does our best to support you through this difficult time.

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

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

Fort Lauderdale is a relatively safe city, but property crime is still the most common type of crime here. Vandalism and theft can come in many forms, but they always disrupt your life and well-being, whether you’re a resident or a business owner. We do our best to make your recovery from property crime easier by handling your claim.

Hurricane Damage

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.

Storm Damage

Hurricanes aren’t the only storms to wreak havoc on your property. Severe thunderstorms and even hail are not uncommon in our area, and while they don’t get the same news coverage as hurricanes, they can still be very destructive. You deserve to get the most out of your insurance when a storm hits your home, so call ICA Public Adjusters today.

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.