The Best Coral Springs Public Adjusters

If you have experienced damage to your property you are likely concerned regarding the cost of the repairs. As you well know, everything is more expensive than you would imagine these days, and home repairs are no exception.  You may be wondering, “should I make a claim?” Unfortunately, the answer isn’t straightforward. Maybe……but maybe not. Florida’s Best Public Adjusters can help you determine if you have a valid property insurance claim.

Read Your Policy To Help Determine A Valid Property Insurance Claim

The first step in determining whether or not to submit a claim to your insurance company is to review your policy. You must determine if your loss is one that is covered.

Educating yourself is critical. Carefully read your policy from beginning to end. If you are confused, reach out to your agent. He or she is responsible for putting everything about your coverages in writing. 

Insurance policies are difficult to understand.  The language can be complex – you may have difficulty understanding your benefits.  For example, let’s say you have a broken hose to your washing machine. If your policy is a DP1 the answer to whether or not you should submit a claim would be no.  This is because these types of policies are very specific, and often don’t cover water damage or appliances. Similarly, if your policy is an HO8 policy you likely don’t have a valid claim. 

Clear Idea of Insurance Policy Benefits

Homeowners often purchase insurance policies without having a clear idea of their benefits. In fact, many believe they have “full” coverage, but they do not. A word of advice, it is critical that you read your policy, from beginning to end, at every renewal.  

Ask your insurance broker about your coverage. Questions like “do I have low caps for water damage” are always appropriate and very important. Once you raise this concern make sure to follow up with  “how much do I have to pay to have an increase in the water caps or can you find me a different insurance company/”  When you live in Jacksonville or anywhere else in the state, water claims are common.   

If you have trouble understanding your policy or are still unsure if your damage is covered, a public adjuster can help. These professionals have extensive insurance and construction experience. They can review your policy and provide a definitive answer to your questions.

What If Your Insurance Is Inadequate?

Recently, a number of people have taken legal action against their insurance company and their brokers for under-insuring or improperly issuing their property. Remember, insurance agents, are salespeople who get paid based on the policies they sell and renew. One national insurance broker told their floor agents (those who speak directly to clients), that if they could not renew a homeowners policy in 30 seconds, their job would be in jeopardy. In order to protect their future,  these individuals did not take the time to read and review the changes to the renewals for their clients from year to year. Thus,  new caps, cutouts, and exclusions may have been inserted into the policy without their or their client’s knowledge.  Nobody knew there was an issue until a claim was filed and the coverage wasn’t there.  

Shop Carefully, Educate Yourself and Ask for Help When Needed

The bottom line is that insurance is complicated. It’s hard to determine if you have a valid property insurance claim on your own. It is important that when you purchase or renew a policy you are aware of the totality of your coverage, any exclusions, and any changes from year to year.

If you stay educated, then if you sustain damage you will know whether or not to submit a claim. However, you still may be unsure, and the claims process is even more complex. Consider hiring a skilled and reputable public adjuster. These professionals can leverage their experience and knowledge to help you.

Florida’s Best Public Adjusters has been serving all 67 counties in Florida for 11 years. Our staff includes confirmed experts for the scope and pricing of tornado claims. If you have experienced damage, reach out to us and learn exactly how we can help.  Additionally, if your claim has been denied and underpaid, contact us immediately. We have a proven record of success in managing insurance appeals.

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Aaron Skloff
Aaron Skloff
October 30, 2023
Stephen was very knowledgeable and sincerely took an interest.
D H
D H
July 28, 2022
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
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
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
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
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
The professional service we received made our insurance claim easy.
Ryan Steele
Ryan Steele
March 17, 2021
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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Once we establish we can help you, and its in your best interest to file an insurance claim, we will schedule an onsite inspection. Speak with one of our adjusters today to start your insurance claim!

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Florida's Best Public Adjusters

At our firm, we’re aligned with your objectives – securing the highest possible financial restitution for the damage sustained by your property or enterprise. Our team of Public Adjusters is dedicated to optimizing your insurance claim’s value.

Notably, we hold the top spot in Google Search rankings as the leading Public Adjuster. What sets us apart is our unwavering commitment to serving your best interests, as we work exclusively for you, not the insurance provider. Our mission is clear: to assist you in fully maximizing your insurance claim.

Stephen Lippy

CEO & Founder of Florida’s Best Public Adjusters

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