The Public Adjuster handling your claim is tasked with writing a claim estimate of the damages and submitting it to the insurance company for review. A Public Adjuster serves as an advocate for the policyholder in appraising and negotiating an insurance claim.
At A&H, we guide you through the entire claim process, starting with assessing damage, preparing the claim estimate, negotiating with the insurance company, and settling the claim.
Estimating damages involves a detailed and methodical process typically conducted by a trained professional, such as a public adjuster. Here's a simplified version of how the process usually works:
Inspection: The first step is a thorough inspection of the property to assess the extent and nature of the damages. This could involve taking photographs, making sketches, and noting any visible signs of damage.
Inventory: A comprehensive list of damaged items is created. This includes describing the item, its condition before the damage, and its estimated cost or value.
Estimation: The professional then estimates the cost of repair or replacement of the damaged property, which can involve researching costs in your local area, consulting with construction professionals, and using estimating software.
Report: Finally, the public adjuster compiles a detailed report that lists all the damages and the estimated costs. This report is what's known as the claim estimate, which is then submitted to the insurance company.
Our services extend beyond creating a property damage estimate, content inventory lists, and business interruption claims. We also assist with emergency living arrangements and liaise directly with the insurance company on your behalf to reduce the stress of the claim process.
Large claims after a catastrophe, like Hurricane Ian's claims, must be meticulously documented and presented to ensure nothing is overlooked. We have a proven track record of helping homeowners, including those in the aftermath of Hurricane Ian, which hit the West Coast of Florida in September 2022.
Our detailed, thorough approach to claim estimation ensures that you receive the full compensation you're entitled to under your policy.
In addition to assisting homeowners, A&H provides estimates for attorneys representing property owners with claims. Our estimates cover the dwelling and other structures, like fences, and can include the cost of any temporary repairs. If there is mold in the property, we can account for remediation costs.
We understand that properties can often suffer from multiple types of damage. For example, we have seen many properties in parts of Florida, such as Sanibel Island, Bokeelia, Ft Myers, and North Port, where homes have sustained both flood and wind damage. In such cases, we make sure to separately estimate the wind and flood damage to ensure a more accurate reflection of property loss.
For more information about claim estimates or to schedule your free inspection, don't hesitate to contact us! We also have an FAQ section to answer any immediate queries you might have.
