Insurance contracts and claims are very complicated and each individual claim has many mandatory conditions, which must be met successfully otherwise the recovery amount can be limited or even denied. There is much to consider when disaster strikes and countless variables that affect the outcome. When questions come up or you want to start a discussion, then you can stop by the contact page where we have created a forum to answer your questions free of charge.

We only ask that when you do need full representation, you will contact us first. Because so much is dependent on how a claim is started, the most important time to call is BEFORE you make a claim. Broward Public Adjustors works on a contingency basis, we don’t get paid until you get paid. If you are ready and need representation, then click on the Contact page.

When a residential owner suffers a loss and must submit a property insurance claim, a very complex set of circumstances is begun. How a property owner begins and then proceeds will have a huge impact on the fairness of the final settlement. For a majority of people a disaster is debilitating enough by itself without having to navigate a complicated and time consuming adversarial claims process for the first time.

When we work on our client’s behalf we will set and conduct all meetings with Insurance Company Adjusters and contractors and will spend the required hours of preparing inventories as well as documenting lost or damaged items. Following preparation of the inventory of those lost or damaged items, the insured will need to establish the cost to replace those lost or damaged items and it is most beneficial to allow us to put our experience to work so you can get back to yours.

Residential owners are also challenged with issues such as depreciation, replacement versus repair of damaged goods, distinguishing repairable from total loss items and preparing/submitting costs for living expenses. In situations where a damaged item should be replaced and not cleaned, the insurance company is still entitled to try to clean it and may require this procedure prior to replacing the item. Unfortunately, if the work is not acceptable, the insured may not have enough remaining coverage to replace the property. Broward Public Adjusters is an experienced advocate for our clients in these situations and knows how to protect the insured, even if it means exceeding policy limits.

We are offering Residential Service online through which you can access your projects 24/7. This online service also enables our clients to acknowledge the status and track the progress of their projects. Miami Public Adjusters Residential Services include:

  • Bid comparison and analysis
  • Separation of damaged from undamaged goods
  • Itemized contents inventory
  • Valuation for replacement and actual cash value
  • Replacement value vs. restoration
  • Determination of sales tax and acquisition time to replace total loss items
  • Preparation of additional living expense (“ALE”) receipts, co-insurance calculations
  • Preparation and filing proof of loss

If you have any question regarding Miami Public Adjusters Residential Service, you can ask your questions by clicking on the contact tab.

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