How to Avoid Getting Underpaid on Your Insurance Claim:
Expert Tips from a Florida Public Adjuster
Filing an insurance claim after property damage can be frustrating...
Especially when the payout is lower than expected. Many homeowners and business owners in Florida don’t realize they have options when it comes to maximizing their claim. Insurance companies often prioritize their bottom line, which means policyholders may receive less than they deserve.
That’s why hiring a public insurance adjuster is a game-changer. In our latest Medium article, we break down exactly why policyholders are often underpaid and how a public adjuster can fight for a fair settlement.
Claims Denied by Different Insurance Carriers 2023
Why Do Insurance Companies Underpay Claims?
Insurance companies minimize payouts by:
- Using their own adjusters who evaluate damage in the company’s favor
- Depreciating the value of damaged property
- Denying claims due to technicalities in policy language
- Delaying the claims process to pressure policyholders into accepting low offers
How a Public Adjuster
Protects You
A licensed public insurance adjuster works exclusively for policyholders—not the insurance companies. Their job is to:
- Conduct a thorough property inspection and assess all damages
- Review your insurance policy and ensure all eligible coverages are considered
- Prepare a detailed claim to maximize your settlement
- Negotiate directly with the insurance company on your behalf
Public Adjuster Tips
Steps to Take Before Filing an Insurance Claim
If your property has been damaged, follow these steps to strengthen your claim
Document Everything
Take detailed photos and videos of all damages.
WE can review at no cost
Review Your Policy
Understand what your insurance covers and any limitations.
Avoid Quick Settlement Offers
Insurance companies often provide initial lowball offers, hoping you’ll accept without question.
Track All Communication
Save emails, letters, and notes from calls with your insurance company.
**Ask them to put everything in writing!
Many Florida homeowners and business owners unknowingly accept less than they deserve simply because they don’t have an advocate in the process. Hiring a public adjuster ensures you get a fair settlement that reflects the true cost of your damages. Want to dive deeper into how a public adjuster can help? Read our full Medium article here for a comprehensive breakdown. If you’re facing an insurance claim and need expert guidance, Beach Front Claims is here to help. Contact us today to get the settlement you deserve!
Frequently Asked Questions
Insurance companies may underpay claims by using their own adjusters to evaluate damages, depreciating the value of property, denying claims based on policy technicalities, or delaying the claims process to pressure policyholders into accepting lower payouts.
A public adjuster works exclusively for the policyholder, not the insurance company. They help by conducting thorough inspections, reviewing your insurance policy for all applicable coverages, preparing detailed claims, and negotiating directly with the insurance company to secure a fair settlement.
To strengthen your claim, document all damages with photos and videos, review your insurance policy to understand coverage, contact a public adjuster early, avoid quick settlement offers, and keep records of all communications with your insurance company.
