Tips for Denied and Underpaid Claims In Florida

The insurance claims game is one of underpayment, delays, and dancing around deadlines and fine print including filing storm damage claims. Do insurance companies give fair settlements? Of course, if an insurance company never did then they would lose business down the road. However, fair settlements are reserved for those who know the rules well and file accordingly or those who get in touch with someone who does, and lets them file on their behalf…

Here are a few common mistakes homeowners make when filing claims for property damage caused by things such as storm damage, fire damage, sinkholes, or dropped/fallen objects.

Waiting to File a Claim

There are many great reasons to file a claim as soon as possible, and very few if any to wait. Waiting to file a claim is, unfortunately, the norm. However, getting the best outcome for your Florida property damage claim will hinge on you following best practices, not the crowd.

Waiting is natural. After all, a major storm hits and the first thing the vast majority of people do is reorient themselves after it has passed and they spend a lot of time dealing with the storm aftermath as well as figuring out what was lost/damaged.

People procrastinate on filing a claim because at first glance, things such as roof damage may not be evident at first. Conversely, there are certain damages that are easier to prove sooner than later. Filing a claim with your insurance company ASAP is a high priority for those seeking a fair settlement. Contact Florida Best Public Adjuster, and we can help review your loss and file a claim appropriately. More on that below.

Failure to Document Your Property and Possessions Before a Storm

As Public Adjusters, nothing makes our job easier than excellent documentation to supplement our own photographs and estimates. The more robust your evidence is documenting the damage that you have suffered, the more leverage we will have with your insurance claim. We stress the importance of documenting well in our hurricane preparation guide.

Assuming the nature of your claim is something that can be prepared for, such as a hurricane or tropical storm, you should make a running inventory of your possessions and the state of your property. The best part about doing this is that once the initial legwork is done, you can simply audit it year after year for any changes.

Accepting the First Settlement They Receive

It’s rarely a good practice to accept the first offer you receive in almost any situation, be that a salary negotiation, haggling for the price of goods, or in this case, receiving an insurance settlement for your damages. While there are times when insurance companies may offer a somewhat reasonable offer upfront, that does not mean the offer couldn’t be made better through more convincing efforts.

Never take the first offer, which leads us to our next and final point…

Not Contacting a Public Adjuster ASAP

Public adjusters, many people do not even know we exist or what we do. A skilled public adjuster is someone you can hire to handle various aspects of your insurance claim to ensure that everything goes smoothly. Florida Best Public Adjusters has handled hundreds of claims successfully, earning our clients much more than if they had simply been at the mercy of what the insurance company had offered them.

Many people refrain from seeking help because they erroneously believe that they can’t afford to get such help, after all, financial difficulties are not uncommon after large storms.

Good news!

At Florida Best Public Adjusters, we don’t get paid until you do. This is what’s known as a contingency fee, and it is quite common in legal professions. With a free consultation and no up-front costs, you have nothing to lose and much to gain.

Storm Damage Claims Help FL

Florida Best Public Adjusters would like to assist you through the claims process by offering our years of unmatched experience and dedication in the world of property damage claims. We are certain we can get you the best settlement possible through our efficient and thorough documentation process and presentation of the facts to your insurance company.

Contact us today at (800)-952-7693 to get started with no up-front costs or fees. We would love to get you the help you need to recover from any property damage you have suffered!

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Aaron Skloff
Aaron Skloff
October 30, 2023
Trustindex verifies that the original source of the review is Google.
Stephen was very knowledgeable and sincerely took an interest.
D H
D H
July 28, 2022
Trustindex verifies that the original source of the review is Google.
Florida’s Best Public Adjusters ARE the best. Our adjuster came to the house a few times to scope out the damage from a water leak and he spent quite a bit of time measuring the affected areas. The resulting claim amount was amazing. If we had handled the insurance company ourselves we would have come up way short. We highly recommend and trust Florida’s Best. Thanks Julian!
Erika Clancy
Erika Clancy
May 1, 2022
Trustindex verifies that the original source of the review is Google.
Stephen Lippy was great to work with! Very informative and communicative throughout the process. We were not familiar with the public adjusting process but Steve and his team helped walk us through everything and explained things very thoroughly.
Ken Fraidin
Ken Fraidin
April 8, 2022
Trustindex verifies that the original source of the review is Google.
Julian & Florida's Best Public Adjusters were extremely helpful in getting winning my claim. They were easy to work with, very responsive & made the process very easy. I recommend them highly.
Miriam B. R.
Miriam B. R.
May 6, 2021
Trustindex verifies that the original source of the review is Google.
Stephen Lippy is a professional and experience PA. Stephen is knowledgeable and reliable. He provided personal attention and was always available to answer all questions. Excellent services!
Nekisha Hyman
Nekisha Hyman
May 5, 2021
Trustindex verifies that the original source of the review is Google.
Receive a referral from a friend for this company. I was very pleased with the way they handled my claim and were able to resolve my issues without too much hassle from the insurance company. Their follow through is amazing. The follow up after things are resolved is exceptional.
scott solomon
scott solomon
May 4, 2021
Trustindex verifies that the original source of the review is Google.
The professional service we received made our insurance claim easy.
Ryan Steele
Ryan Steele
March 17, 2021
Trustindex verifies that the original source of the review is Google.
Stephen got my denial reversed….had all to do with his reputation, and not the “luck of the Irish” on this St. Patrick's day! Him and his team are very professional, responsive and caring during the entire ordeal. If they are not on your team, you have chosen poorly.
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