Public Adjusters in West Palm Beach

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.

ICA Public Adjusters serves the community in West Palm Beach, FL with pride. Whether you choose to live in West Palm Beach because of the warm weather or the proximity to cultural institutions like the Kravis Center or the Norton Museum of Art, you deserve to live without constantly worrying about damage to your property. Hurricanes, storms, mold, and other risks to southeast Florida residents are hard to avoid entirely, which is why ICA Public Adjusters is here to help you when you need it most.

As public adjusters in West Palm Beach, FL, we inspect your property and submit your claims to your insurance company, along with an estimate for the amount of money you are owed. Our goal is always to negotiate with the insurance company to get you more money to fix the damage you’ve incurred. This is nearly always more than the insurance company initially offers or what you would receive if you went through this process by yourself.

Do I Need A Public Adjuster?

A public adjuster like ICA can help with most types of claims, so long as you are insured. If your insurance does not cover the type of damage your property has suffered, we will not be able to represent you.

Public adjusters in West Palm Beach will be most effective when your claim is for significant damage. We, of course, know how to handle smaller claims in the range of a few thousand dollars. But a simple claim is sometimes easier to submit yourself. You will have a better return on your investment for large, complex cases.

Our Services

At ICA Public Adjusters, we offer claims adjustment for a wide variety of services in West Palm Beach, including the following:

Kitchen Leak Damage
Roof Leak Damage
Pipe Leak Damage
Mold Damage
Fire Damage
Hurricane Damage
Storm Damage
Business Interruption
Vandalism & Theft

We will work with you on nearly any claim you bring to us, so long as you are insured, and we have experience with a wide variety of fields, including both residential and commercial claims.

Residential

Your home is your safe place. It can be stressful, scary, and at times, violating when something happens to cause damage to your home. The benefit of hiring an experienced, licensed public adjuster like ICA is that you do not have to go through the aftermath alone. We take residential claims seriously and do our best to get you a boosted claim payout to restore your residence to its original condition.

Commercial

Commercial customers can count on ICA Public Adjusters to have their backs in times of crisis. We offer the same services for commercial clients as we do for residential clients, as many property damage claims will be for similar reasons. However, we also have dedicated services for businesses, including our business interruption claims settlement offering, so you can keep your employees on the payroll in times of crisis. Help with theft and vandalism claims is also key for our commercial customers.

Spotlight On Common Claims In West Palm Beach

At ICA Public Adjusters, we take every claim seriously. We are committed to supporting any claim from customers who are covered by an insurance plan, although we do not typically work on naval, cargo, or vehicle claims. West Palm Beach has several common risks for home and business owners, including hurricane damage, theft, and fire damage. We’ll break down why these types of damage often happen and what we can help you do about them below.

Hurricane Damage

While Florida in general is prone to hurricanes, West Palm Beach stays relatively safe from damage. However, that does not mean there is no possibility of storm damage, and it is still important to prepare in case of a tropical storm or hurricane. If a storm does impact your home or business, the number one most important thing to do is document the damage. Without proper photos and documentation, you will not be able to get the settlement you deserve from your insurance.

Here are some of the most common types of damage resulting from a tropical storm or hurricane:

Roof damage, including broken shingles, holes, damage from fallen trees or debris, etc.
Damaged walls and foundations
Interior water damage and leaks
Collapsed ceilings
Electrical fires caused by exposed wiring
Shattered windows
Flooding
Siding damage

Mold Damage

There are several different types of mold that are common in Florida homes, including the following:

Cladosporium: This is a non-toxic mold. You’ll recognize it as black dots that appear in environments with condensation or near water damage.
Penicillium: This mold is usually blue or green in appearance and moderately toxic.
Aspergillus: It comes in a variety of colors and types, from black to tan to white. White aspergillus is also known as mildew. Aspergillus has a musty smell and can worsen conditions like allergies.
Stachybotrys: This one is more commonly known as black mold. It is toxic and extremely difficult to get rid of. It often grows near leaks that are not clearly visible, as it requires sustained moisture to develop.

It’s important to document any and all evidence of mold and the resulting damage. Luckily, experienced public adjusters in West Palm Beach like those at ICA know how to best evaluate the problem and compile your information to best make a case with the insurance companies.

Water Damage

In West Palm Beach, we are lucky to have consistently warm weather that’s on average a little less muggy and windy than cities like Miami and Fort Lauderdale. However, we do get more days of rain throughout the year, which can lead to water damage throughout your property.

No matter how it happens, water damage can cause all sorts of problems. Stains or spots could appear on your walls, requiring a new paint job. Water ruins flooring, no matter which type you have, although hardwood floors and carpets will be particularly susceptible to water damage. Floors may have to be completely replaced. Worst of all, mold may grow as a result of the water damage and pose a health risk.

Let’s walk through some of the most common types of water damage we encounter as public adjusters in West Palm Beach, FL.

Roof Leaks

Your roof may leak after a severe storm, but it’s also possible that you won’t notice general damage to your roof right away. During the winter months, it’s not uncommon for the area to experience a few weeks without rain. But when the rainy season starts up again, you may notice that your roof has sustained damage and requires repairs.

Kitchen Leaks

Your kitchen is filled with appliances and water fixtures that may result in leaks. Our insurance adjusters in West Palm Beach will make sure you can fix up your kitchen without putting a burden on your finances.

Pipe Leaks & Burst Pipes

While pipes don’t typically freeze in West Palm Beach, they do burst and leak for other reasons. Perhaps your home is older, and the pipes are corroded. Nearly two-thirds of the housing units in West Palm Beach were built before the year 2000, so it’s possible that important fixtures like pipes will deteriorate if not maintained.

Fire Damage

Home fires are often caused in the kitchen by any number of kitchen appliances. They can also be caused by forgotten candles or overloaded outlets. Fire damage may impact all or part of your house, and your insurance likely covers smoke damage, property damage, repairs, and the replacement of furniture or other belongings lost in the fire.

Businesses may also encounter fire damage. The three most common causes of fire damage to businesses are cooking equipment, electrical and lighting systems, and heating equipment. Restaurants and other commercial properties with kitchens are thus the most likely to encounter fires, but other types of businesses with extensive or outdated electrical and lighting systems are also at risk.

Theft & Vandalism

West Palm Beach experiences a high rate of property crime: there is a 1 in 32 that a West Palm Beach resident will be a victim of a property crime. This is substantially worse than the state average. So, it is important to be ready with an insurance policy, as well as a West Palm Beach public adjuster in your back pocket.

Even if you are insured, it can be difficult to get your home or commercial property back in order after it has been vandalized. You may be left feeling vulnerable. And theft can lead to losses that can’t always be fully rectified with money. That’s why what we do at ICA Public Adjusters is so important. We fight for you so you receive the money you deserve, but we also take on the burden of the claims process. Nobody wants to have to deal with insurance companies, especially when in a heightened state of stress after a property crime.

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.