Why Make A Third Party Claim?
If you make a third party claim against someone that damaged your property there are several benefits.
- You may not have insurance.
- No deductible for them or you.
- You are not having this on your insurance record.
When disaster strikes, the damage doesn’t always come from your own property. Sometimes, your loss is caused by a neighbor, a business next door, or even a utility company. In these cases, you may be entitled to compensation through what’s known as a third party claim.
At Florida’s Best Public Adjusters, we represent homeowners and business owners across Florida in these complex claims. Whether it’s water damage from the condo upstairs, fire damage from a neighbor’s unit, or structural damage caused by nearby construction, our team knows how to hold the responsible party — and their insurance carrier — accountable.
What Is a Third Party Claim?
A third party claim is when you pursue compensation from another person or entity’s insurance policy rather than your own. Unlike a first party claim (filed against your own insurance company), a third party claim is filed against the insurance of the party that caused the damage.
For example:
A pool supply store accidentally spills liquid chlorine that seeps into the adjacent barber shop, damaging half of the business. Instead of filing with their own insurance company, the barber shop files a claim against the pool store’s policy.
Public adjusters like us can represent you in these situations, protecting your interests and making sure you receive the settlement you deserve.
Common Examples of Third Party Claims
Third party claims occur more often than many property owners realize. Some common scenarios include:
Condo damage: A neighboring condo fire or water leak spreads into your unit.
Roof negligence: A condo association fails to maintain the roof, leading to leaks in your property.
Neighbor’s property damage: A neighbor’s tree falls onto your house, garage, or fence.
Construction damage: Local construction or drilling causes cracks, vibrations, or other structural damage.
Utility company negligence: A utility crew breaks your sewer line, causing sewage backup in your home.
Commercial incidents: Spills, leaks, or accidents from neighboring businesses damage your property.
These cases can be complex, and the responsible party’s insurer may try to deny or minimize your claim. That’s where we step in.
Why Hire a Public Adjuster for a Third Party Claim?
Many people assume they need to hire an attorney to pursue third party damages, but that isn’t always the case. At Florida’s Best Public Adjusters, we have successfully handled hundreds of third party claims without the need for lawsuits.Here’s why working with a public adjuster is a smart choice:
Less expensive than attorneys: We work on a contingency basis, so we only get paid if you get paid.
Skilled negotiators: We know the tricks insurance companies use to undervalue claims and how to counter them.
Thorough documentation: We investigate, estimate and build a strong case for you.
Faster results: Our expertise avoids long, drawn out legal battles.
Florida’s Best Public Adjusters Can Help
If your home or business has been damaged by a neighboring property, commercial business or utility company, you don’t have to go it alone. We will:
Evaluate your damages with a free claim analysis.
Document your losses to maximize your settlement.
Negotiate with the responsible party’s insurance company.
Guide you through the process every step of the way.
FREE CLAIM ANALYSIS
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!
We are available 24/7!
WHAT IS A PUBLIC ADJUSTER?
Confused about your insurance claim? Not sure if you’re getting the compensation you deserve? Let us introduce you to a game-changing solution – the public adjuster.
At Florida’s Best Public Adjusters, we believe that you deserve every dollar of your insurance claim, and more. Our experienced team of public adjusters is here to guide you through the labyrinth of insurance claims, advocating for your rights and ensuring that you receive the highest possible settlement.
So, what exactly is a public adjuster, and how can we work to your advantage?
A public adjuster is your personal insurance advocate. We are licensed professionals, working independently from insurance companies, with one primary objective: to protect your interests and maximize your settlement. Our expertise lies in understanding the intricate details of insurance policies, navigating the claims process, and negotiating on your behalf.
How Can a Public Adjuster Benefit You?
Insurance Expertise: Public adjusters are policy wizards, ensuring you get the best payout possible.
Streamlined Process: Say goodbye to claim complications; we make it easy.
Negotiation Process: Our recent case proves it, we turned a $13,000 offer into an incredible $175,000 settlement!
NO RESULTS, NO CHARGE
If your home or business has been damaged or your claim has been underpaid, call us for a free consultation. We will negotiate with the insurance companies to obtain the maximum settlement.
Our public adjusters in Florida will file all proper documentation and go to the depositions on your behalf.
We work for you not the insurance companies. We have a team of highly experienced professionals who are here to help adjust your claim.