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Property Loss Services
At Property Loss Consultants, our thorough claim presentation consists of four key stages:
Determining Policy Coverage: We completely analyze your policy provisions and conditions to determine your rights and responsibilities, including the obligations of the insurance company. No stone is left unturned in this crucial step.
Documentation of the Claim: You are required to prove the full extent of loss and support the claim with appropriate documentation. Property Loss Consultants provides a thorough documentation process including structural estimates, content estimates and documentation, additional living expenses, loss of income, and temporary repairs. This function is important to help you recover maximum settlement.
Presentation of Claim: After the full extent of loss is determined and documented, the schedule of loss and damages is prepared, reviewed, and presented to the insurance carrier for negotiations.
Negotiation of Settlement: Our expertise in the documentation and presentation of the claim(s), gives us the ability to negotiate from a well-defined position, maximizing your settlement.
The services that Florida Public Adjusters perform can vary slightly from other states, although, Public Adjusters by and large do the same thing; they help the public settle their property damage claims for a fair amount.
One mistake a consumer often makes is confusing the term Public Adjuster with that of a Private Adjuster. Although it is a slight misnomer, a Private Insurance Adjuster actually works as an agent of an insurance company. Public Adjusters represent only the policyholder and have no affiliation with any insurance companies.
Public Adjusters are experts on property loss estimating and are very familiar with the local building codes. One major problem we have following a catastrophe is when out of state catastrophe claims adjusters with potentially little or no construction training at all, descend on Florida to write estimates where building codes are constantly changing and building design may be very different than how buildings are designed in the claim adjusters city of origin.