PICC

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Blog posts:77

Join date:
Jun 8, 2020

Ensure you are Ready for Hurricane Season

Hurricanes are a fact of life here in South Florida, the price we pay for our beautiful beaches and tropical climate. While we have no control over the weather, we are able to prepare for the inevitable storm hitting our shores. At People’s Insurance Claim Center, we care about our community and want to do everything we can to help you prepare for this year’s hurricane season. We are currently offering complimentary policy reviews and home inspections for all our clients, past and present, in order to help you feel comfortable you are ready for this hurricane season. First, our comprehensive policy review will identify any potential gaps in your coverage which would prevent your claim from being approved in the event of a loss. Insurance policies are designed to be verbose and opaque, with clauses, addendum, and exclusions all designed to limit your insurance company’s exposure. We have decades of experience dealing with homeowner and commercial property insurance policies...

My Property has Sustained Damage – What do I do?

Dealing with the aftermath of property damage can be a stressful and exhausting ordeal. If this is your first time handling this type of situation, you are likely scrambling to figure out how to proceed in a way that restores your home or business as quickly as possible. A Public Adjuster can help you through this process, preparing all the necessary documentation and negotiating with your insurance company on your behalf. There are a few steps you can take immediately following the damage occurrence which will help expedite the preparation of your claim. First, you should take photographs of the damage sustained by your property. Make sure to take both wide shots and close ups that clearly display all aspects of the damage. It is better to have too many photos than not enough, and with cell phone cameras and cloud storage it is easy to take a plethora of pictures to support your insurance claim. If you have any...

How to Determine if a Public Adjuster is Right for You

Now that you have decided it is in your best interests to retain a Public Adjuster you must decide which firm to employ. There are many companies to choose from, all with varying specialties and degrees of experience in the field. You should seek out a Public Adjuster whose expertise aligns with the specifics of your situation. There are several questions you should ask as well as things to look out for when determining which Public Adjuster is right for you. Here are a few tips to help you identify the right firm for your situation. First, you should be very wary of any Public Adjuster soliciting you immediately following a loss which should be covered by your homeowner’s policy. These predatory practices are common among less reputable firms who will make all kinds of promises before they even review the damage you’ve suffered or the terms of your homeowner’s insurance policy. It is best to rebuff any advances from...

Options for Business Owners Suffering Closure due to Pandemic

Many business owners today are suffering at the hands of the CoVID-19 pandemic. Forced storefront closures, reduced maximum capacities, and increased expenses due to additional health and safety requirements are pummeling small business owners with added costs and lost revenues. In these uncertain times any assistance is welcome, and many commercial insurance policies cover the loss of revenue due to government-mandated closures. Commercial coverage in these situations is often confusing and mired in legal terminology designed to discourage the average business owner from attempting to file a claim. A Public Adjuster can make sense of this legal verbiage and ensure you receive all the benefits outlined in your policy. Typical commercial property policies include coverage for both physical loss or damage to property as well as loss due to actions of civil authority. Physical loss or damage to your property is not limited to visible structural damage – if your property has been found to be contaminated with CoVID-19 and...

Why you Should Consider a Public Adjuster for your Commercial Claim

As a business owner, your primary concern is the successful operation of your business so you may provide for your family and your employees. When your business suffers a loss as a result of property damage, you should be able to focus on getting back to business as usual rather than getting sidetracked trying to handle the insurance company and claims process. A Public Adjuster can take the arduous and time-consuming claims process of of your hands, leaving you to focus on the restoration of your business to normal working order. Hiring a Public Adjuster also ensures your claim is handled properly and you receive all the benefits you are entitled to as outlined by your commercial insurance policy. The day-to-day operation of your business has likely been significantly impacted by the property damaged you are currently working through. You want to be able to focus on expediting repairs and minimizing the amount of revenue lost as a result of...

The Role of Public Adjusters in Theft and Vandalism Cases

There are few incidents in the life of a homeowner or business owner that are more traumatic than theft and vandalism. Just imagine: You return home after a long and trying day at work–or perhaps you arrive at your business early one morning, ready to start the day–and you notice right away that you’ve been robbed. Maybe your door has been kicked in or broken open. Maybe your plate glass windows have been smashed with bricks. Whatever the scenario, it’s likely to lead to feelings of fear, anger, and vulnerability. But at the very least, those of you who’ve purchased theft and vandalism coverage from your insurance company will be able to get your damages repaired and your stolen items replaced. Right? Getting Your Theft & Vandalism Claim Paid Might Not be Easy Well … not necessarily. Because unfortunately, it’s not always that easy. It’s important to keep in mind that no matter how long you’ve been with your current...

How Much Does a Public Adjuster Cost?

People hire public adjusters because they streamline and simplify the insurance claim process. They are also trained to negotiate with insurance companies as well as provide valuable information to their clients throughout the entire claim process. However, the most important reason why people hire public adjusters is that they trust them. The interests of an average public adjuster is almost always aligned with those of their clients, and this is because public adjusters charge commissions instead of fixed fees. So the more money their clients receive in damages, the more money public adjusters are able to make. But just how much money do public adjusters make, and more importantly, what’s their standard commission rate? If you’re asking these kinds of questions then the following information will tell you what you need to know. How Public Adjusters Charge Their Fees Public adjusters calculate their fees based on a percentage of their client’s total claim. This payment scheme incentivizes public adjusters to...

Can Public Adjusters Help with Water Damage

Does Homeowners Insurance Cover Water Damage? Weather-related damage to homes account for over half of all homeowners insurance claims, and that includes water damage — but weather isn’t the only way your home can be damaged by water. Spills, water leaks, overflows, and seepage can all make it seem like monsoon season inside your house or give you the indoor pool you never wanted. We thought the best way to walk you through the sometimes complex process of claiming a water damage coverage would be presenting an in-deep look into what types of water damage could be -or not- covered by your insurance, understanding your coverage claim and what to take into consideration to place a water damage claim properly, so you can recover from the already calamitous and unfortunate water accident you might just suffered. TYPES OF WATER DAMAGE There are three main types of water damage that refer to the kind of contaminants in the water. Understanding which...

Will Hiring a Public Adjuster Help Get More Money for My Claim?

If you’ve suffered a property loss to your home, it has undoubtedly caused you substantial stress and grief. Dealing with your insurance company should not compound your worries but, unfortunately, all too often a claim is mishandled and as the insured, you can be left feeling your insurer is not living up to its policy’s promises or is in bad faith. In that case, it may be time to consider hiring a public adjuster to assist you with your claim. When you seek the help of a public adjuster, there are three main points to keep in mind: The public adjuster works for you, the homeowner, not for the insurance companyThe public adjuster is paid a percentage of the claim recovered usually around 10 percent.Insurance settlements are consistenly larger when a public adjuster manages your claim. What is a Public Adjuster? Public adjusters are insurance claims experts who specialize in interpreting insurance policies so they can assist you in preparing...

Finding Public Adjusters for Fire Damage

Understanding Fire and Smoke Damage Fire losses are often the most devastating occurrences that can happen to a family or business. Fire damage requires important short-term decisions from individuals that are under a tremendous amount of stress and confusion. Unfortunately, our fire claim adjusters see many mistakes being made regarding how to handle a restoration company or what contracts to sign. These can have lasting consequences on what you recover from your fire insurance claim. Just view this investigative report about getting the most out of your insurance claim after a fire. The fire adjusters at PICC will apply our years of practical and professional experience to your fire loss claim. We have the knowledge and expertise to help you negotiate the complicated process required by your insurance carrier to get your fire claim paid in a fair and honest manner. So, should you hire a public adjuster when you have a fire? Read what Consumer Reports has to say about filing...