Public Adjusters in Miami, FL

When you’re at your lowest point due to damage to your home or business, ICA Public Adjusters can help. Our claims settlement experts negotiate on your behalf and make it possible to maximize your payout. Our Miami public adjusters make it possible to move on with your life and repair any damage, whether your home in Coconut Grove has been hit by a hurricane or your business in Wynwood sustained fire damage.

It’s not always easy to live and work in Florida, especially in a city like Miami. Hurricanes, tropical storms, and the resulting damage, as well as theft and vandalism, are all risks of living in a vibrant, ocean-front city. Make your life easier by hiring ICA Public Adjusters to handle the tricky part for you and increase the likelihood of a higher payout. We are part of the Florida Association of Public Insurance Adjusters, as well as the National Association of Public Insurance Adjusters, so you can trust us as licensed practitioners.

What Is A Public Adjuster?

A public adjuster, also sometimes called an insurance or claims adjuster, is an advocate for an insurance policyholder. When your property is damaged, if you are covered by an insurance policy, you need to submit evidence of that damage to get a payout. You’ll also need to deal with the insurance company, which often lowballs policyholders, forcing you to accept less than you deserve, all while stressing about bureaucracy during a time when you should be getting back on your feet.

A public adjuster takes over this process and submits the claim for you. With a public adjuster, you are almost guaranteed to get a higher payout than you would on your own, as we know how to properly document damage and negotiate settlements.

When Should I Hire A Public Adjuster?

You can bring on a public adjuster at any point during the claims and repair process. We will have the most impact when hired early on, so we can help you document damage properly. However, we do recommend hiring a public adjuster in Miami partway through the process if you begin repairs and notice more extensive damage. Another use case for hiring an insurance adjuster partway through could be if your claim turns out to be substantially more complicated than expected or if your insurance company is clearly lowballing you.

What We Do As Public Adjusters

When there is damage to your home or commercial property, we help you get more money by negotiating with the insurance company, and we handle the whole process to make it easier on you. We can take on nearly any type of property damage that is covered by a policy, except for naval, cargo, and most vehicles.

Our process as public adjusters in Miami, FL includes the following steps:

First, we inspect your property and evaluate the reason for the claim.
Next, our team estimates the proper value for the settlement based on the severity of the damage to your property.
We submit the claim to your insurance company to start the process to get your money.
The insurance company will work through us to negotiate your claim. If they offer less than you deserve, we will negotiate them up to the amount you are entitle to.
Your insurance company will determine the final payout and send a check to us, which we will then pass on to you.

Types Of Insurance Claims

For more detailed descriptions of the types of claims we most frequently negotiate for, see our list of services below. We work with both commercial and residential customers as public adjusters in Miami, frequently receiving settlements for problems like mold damage, hurricane damage, fire damage, and more.

Kitchen Leak Damage

Leaks are common in the kitchen area and can warp floors, wreck appliances, produce spots and stains on the walls, and other frustrating problems. A kitchen leak can come from a number of places, including cracked or poorly joined pipes under the sink and overflowing dishwashers. Contact ICA Public Adjusters and let us level the playing field in your claim settlement negotiation for any kitchen leaks.

Roof Leak Damage

Roofs can leak after a storm, of course, but sometimes general wear and tear causes holes to form. The flashing on your roof – the metal that helps seal cracks in the joints – may also come loose and lead to leaks. The impact of a roof leak can be massive if it is not discovered early; mold, structural weakness, stains on your wall, and other results of water damage will need to be addressed.

Pipe Leak Damage

A pipe leak can be incredibly destructive, both to your home and your belongings. Certain types of leaks, like slab leaks, can even weaken the foundation of your home. But you do not have to deal with your insurance company by yourself after a stressful pipe leak if you enlist the help of ICA Public Adjusters in Miami.

Mold Damage

Mold is incredibly common in Miami. Living on the coast in a place with intense humidity that often reaches upwards of 80% in the summer creates ideal growing conditions for mold. Mold and mildew both can create unsafe living and working conditions, both by weakening the structure of a building and by causing health problems, especially in individuals with asthma, allergies, or other sensitivities.

Fire Damage

Did you know that Miami is 30th on the list of cities with high home fire risk? In the aftermath of a fire, you and your family need to recoup the costs of what you lost. Sometimes claims related to fire cover smoke damage or repairs and in other, more serious cases, they cover replacement and extensive property destruction. The last thing you want to worry about when you’re handling the loss of all or part of your home is arguing with an insurance company.

Hurricane Damage

A hurricane comes into close proximity with Miami every six to eight years. A major hurricane hits Miami on average every 12 years. It’s also very possible that damage to property in Miami will be greater than in other places due to a hurricane because the population is so dense. We’re here to assist any time a hurricane hits Florida and affects your home or business.

Storm Damage

Other storms may damage your home or commercial property in addition to hurricanes, including tropical storms, thunderstorms, hail, and tornadoes. Our subtropical climate is wonderful if you do not like the cold, but does attract a number of extreme weather events. Rest assured that our public adjusters in Miami know how to get you the money you deserve if your property has sustained any storm damage.

Business Interruption

When your business is impacted by damage that is out of your control, you may need assistance to ensure you can continue to pay employees and maintain your company. That’s when ICA Public Adjusters comes in. We work with insurance companies on behalf of your business, so you can focus on getting your workplace back in order.

Vandalism & Theft

Theft is the most commonly reported crime in Miami, and there is a moderate risk of property crimes like theft and vandalism for Miami residents and businesses. If your property is insured, you are entitled to remuneration for the resulting property damage or loss. Let ICA make your case for you, and we’ll help you get a higher payout than you would on your own.

How We Help Settle Claims In Miami

We have many reasons to be proud of our city in Miami, FL. We’re home to the largest collection of art deco architecture in the United States. We’re also the only major city to be founded by a woman, Julia Tuttle. Miami is a wonderful city for both tourists and full-time residents, and believe it or not, but it is the warmest city in the US during the winter months. That’s why it’s important to many residents of this historic city to be able to maintain their homes and businesses, despite local weather risks, like major storms and hurricanes.

At ICA Public Adjusters, we are always on the policyholder’s side. Since we are Florida-focused claims adjusters, Miami residents can benefit from our existing relationships and know-how about how insurance companies operate locally. We understand how to properly inspect, document, and submit the most popular local claims, like hurricane damage and mold damage.

If you have any questions about your policy, our team will provide a free consultation and help you understand exactly what it entails. We also take on the risk of your case without charging fees. We will only make money if your claim is successful, so our claims adjusters have the same stake in the negotiation process as you do.

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.