Why hire a public adjuster

So you have damage to your home. You have reported the claim to the insurance company and you have a few concerns, but you are not sure how to address the

issues or even if it actually is a problem. Hiring Property Damage Consultants is the solution for these concerns.

Here is a list of signs that hiring a public adjuster should be your next move:

  1. If you have roof damage your insurance company and their experts made a determination that states that your damages are “cosmetic” or that it “doesn’t reduce the lifespan of the roof” a PDC adjuster can help. The common types of roofs that might get these determinations are shingle (asphalt, slate & tile roof) or flat roofs.
    Have a PDC adjuster take a look at your policy.
    Insurance policy wording can be confusing, so having an expert to break it down is always best.
  2. Maybe you want to start repair work and you are being told that your contractor’s pricing is too high, or that you need more than one estimate. Sometimes there may need to be a reinspection, but insurance companies can find a way to drag things out and you need someone that knows the in’s and out’s and has your best interest in mind. Getting too many estimates can give the insurance company too many “options” and they might go with the lower bid and say the other estimates are too high. Call a PDC adjuster!
  3. The last thing an insurance company wants a policyholder to do is to hire a public adjuster.
    There comes a time in the process where you feel frustrated and have reached your breaking point regarding your claim.
    Voicing this opinion to your insurance company and letting them know that you are considering seeking the help of a public adjuster, they may try to provide comfort by saying they are doing the best they can and saying seeking outside help is not needed. Call a PDC adjuster!

By hiring a PDC public adjuster, you won’t have to deal with any of those conversations or issues as your public adjuster will take care of all of it for you. Property Damage Consultants is here to help with your claim in the best way possible. If you haven’t hired us already, Contact us now!

Hurricane Season Is Coming! How to Prepare?

Living in Florida we should be prepared for hurricane season, right? Well there are many Floridians who are not 100% sure how to prepare themselves or how to even prevent their homes and property from experiencing damage. Here are a few tips to prepare you and your family for the upcoming hurricane season.

  • Make sure you have secure window covers or storm shutters
  • To reduce roof damage, you can use hurricane straps or clips to secure the roof to the frame of your home.
  • Check and reinforce caulking around doors and windows. In some instances, wind-driven rain can cause some moisture damage even if there is no structural damage.
  • Trim down and trees or shrubs to avoid the chance of them breaking and falling onto your home or flying around and causing damage.
  • You can call us to review your insurance policy to make sure you have an adequate amount of insurance and the proper coverage.
  • Keep in mind the home owner’s insurance does not cover floods so if you are in a flood zone you may want to get in touch with your agent to find out your options.
  • Document your important contents in the case that there is any damage. You can document via photos or video.

Lastly, have a Property Adjuster like Property Damage Consultant’s number on hand in the case that you do have an emergency. Having PDC’s contact information will insure that in the case of emergency our trained public adjusters will be there to assist you.

What is Homeowners Insurance and what does it cover?

When reading a home owner’s insurance policy, a lot of the wording might be a little confusing and you might not know exactly what your homeowner’s policy covers.

Homeowner’s insurance is a kind of property insurance that covers damages to the insured’s house and contents inside. It also provides liability coverage for accidents that may happen in the home or on the property. A homeowner’s insurance policy can cover damage caused by hail, lightening, fire, windstorms and vandalism. In many cases damage that has been caused by floods and earthquakes are excluded. Optional coverage and policies are available to cover these other types of losses.

There are different types of homeowner’s coverage: dwelling, personal property, Loss of use, other structure coverage and personal liability.

Dwelling coverage can be the funds used repair or rebuild your home if it is damaged by a loss covered by your policy

Personal property coverage can be paid to the insured for any personal items in your home that are damaged by a covered loss. These things can include furniture, clothes and electronics.

Loss of use coverage can pay for an additional living expenses (ALE) in the event that you may have to relocate temporarily while the repairs on your home are being done.

Other structure coverage can pay for covered damages to structures that are not attached to the home. Such as garages, sheds and fences that are on your property.

Personal liability coverage is liability coverage that can help the insured in the case that there is a lawsuit against said insured or a member of your household that is responsible for causing any type of bodily harm or property damage.

The amount of coverage is different for each individual policyholder and there are also additional coverages that you can add to your policy. Knowing and understanding these terms in your policy and also having the assistance of a professional public property adjuster, handling and resolving your claim should be no problem.

The Problem With Making Your Own Insurance Claim, And How You Can Fix It

A public adjuster serving based in Boynton Beach and serving the Palm Beach community can help with property damage insurance claims on your behalf. 

The biggest problem with filing your own insurance claim is that you don’t understand how the insurance company opperates.  Resulting in many individuals not receiving what they deserve or having their claim denied all together.

A public adjusters goal is to advocate for you, the policyholder. Many people are unaware they have rights when it comes to their insurance claims. Learning the benefits of hiring a Palm Beach public adjuster like those from Property Damage Consultants helps you make an informed decision when you need a professional on your side the most. 

Reasons to Hire a Palm Beach Public Adjuster

The job of a public adjuster is to manage the entire claims process. When you have a professional taking control over the situation, you have the peace of mind you need to continue on with your daily life. Some of the biggest reasons to hire a public adjuster include: 

Experience

Public adjusters have the necessary experience in both the language and the process of insurance claims to ensure your claim experience goes seamlessly. They also are responsible for every step of the claims process, so there is less of a chance for something important to be missed. 

Risk-Free

When you experience a property damage loss, there is absolutely no risk in hiring a reputable and licensed public adjuster to help you prepare and manage your insurance claim. 

Higher Settlement

Also, the likelihood that you get the compensation you deserve increases when you hire an experienced public adjuster serving the Palm Beach community. This is because they negotiate on your behalf as they understand what your claim is truly worth.  

Schedule a Free Consultation With a Palm Beach Public Adjuster 

After experiencing damage to your property, it’s normal to feel stressed and overwhelmed. However, once you ensure you and your family are safe and your property is secure, it’s time to notify your insurance company of any losses. Immediately following that call, you need to call a professional public adjuster serving the Palm Beach community from Property Damage Consultants. 

With over 30 years of experience, we are licensed public adjusters and appraisers in Florida. To schedule a free consultation to discuss your claims and what we can do for you, call our Boynton Beach, FL office at 561-258-9387.

My Claim Was Denied or My Claim Was Deemed Below Deductible, What’s Next?

If your property loss or damage claim has been denied or determined to be “below deductible”, it may not be the end of the road for you. Peace of mind is still possible with the assistance of a Property Damage Consultants Licensed and Bonded Public Adjuster, granted you indeed have a valid claim.

The insurance claims process can be time consuming and confusing as it relates to the language of your respective policy. You would be surprised how often claims are denied simply because of missing documentation to support the damages claimed or missed communications. A claim may also be denied because, the insured did not properly convey the actual cause or extent of their damages simply due to lack of knowledge; they also may not have access to the necessary experts to validate their claim.

When you file a claim, your insurance company immediately begins coordinating their team of experts to represent them on that claim.  

Upon receiving your denial letter from your insurance company, your next step is to consult with a Property Damage Consultants LICENSED PUBLIC ADJUSTER. **Note: Do not fall victim to scammers posing as public adjusters who deceive unsuspecting policyholders into signing an AOB or assignment of benefit contract which gives them a large portion, if not an entire claim settlement payout. You can verify your public adjuster’s license status with Florida’s Department of Financial Services: Licensee Search (fldfs.com) or you are guaranteed to locate a licensed public adjuster by visiting the Florida Association of Public Insurance Adjusters (FAPIA) website.

“Hiring a licensed public adjuster is hiring your own team of experts” to refute your carrier’s findings or lack thereof. Property Damage Consultants, Inc (PDC), headquartered in Boynton Beach, FL offers free damage inspections and basic policy reviews and are available 24/7 at (888) 694-8303 to assist with your denied or below deductible claim.

3 Horrible Mistakes People Make With Homeowners Insurance

One of the reasons why we have insurance is to help offset some risk. We pay insurance premiums to ensure that if something goes wrong, it can be fixed for an affordable price. When strategizing and deciding whether it’s worth it to make an insurance claim, a Palm Beach public adjuster from Property Damage Consultants can help you make the most informed decision.

Our goal as public adjusters in the Palm Beach community is to help our clients avoid making insurance mistakes.

Here are three significant mistakes that we find homeowners make when it comes to their homeowners insurance.

#1 Making too many claims & unnecessary claims 

When you are constantly making claims, the insurance company’s risk of insuring you goes up. Not everything requires you to make a claim to your homeowners insurance. What results is a higher premium over time.  

#2 Choosing the Wrong Deductible Amount

A deductible is the amount of money that you are responsible for paying with an insured loss. This deductible is deducted from what insurance would pay against a claim. If you choose the wrong deductible amount, you may not be able to file for smaller damages as it likely would only increase your premium overall. For instance, if your deductible is $1,000 and your claim will only yield a small number of gains, it most likely isn’t the right choice to file.

#3 Filing a Claim Against a Depreciated Item

It’s no secret that many things lose their value quickly, especially automobiles. Oftentimes filing to recover a lost asset may result in an immediately higher premium. This is especially true for items that you have no proof of their initial worth such as jewelry.

Ultimately, the best time to file an insurance claim is when there is catastrophic damage that is costly. However, if you’re unsure if you should file a claim, the best thing to do is to hire a public adjuster near you to guide you through the process and make the best decision.

Schedule a Consultation With a Public Adjuster in Palm Beach

Our Palm Beach public adjusters at Property Damage Consultants located in Boynton Beach work hard to be our client’s advocate. We are committed to your success and work hard on your behalf every step of the way. This allows us to get you the compensation that you deserve. If you have visible property damage, call our public adjuster experts in Palm Beach at 561-258-9387 today. We can help you manage your insurance claim process. During this visit with a public adjuster serving the Palm Beach community, you can also learn more about our services.

How to Solve Issues With Your Insurance Claim

It’s no secret that property insurance claims can be complex. This makes it important to have an experienced Palm Beach public adjusters handling them for you. At Property Damage Consultants, we have countless years of experience and we understand all damage and coverage issues that may impede your claim. There are countless reasons why hiring a public adjuster can help your insurance claim experience, and when you’re having problems is just one of them.

Here are a few issues we help with:

The Investigation

Our adjusters understand all of the facts of your case, so we can easily detect potential issues in the future. We have the necessary expertise to conduct an investigation on our own, which helps us recognize problems ahead of time.

Handle Coverage Problems

A coverage issue may be the major issue with your insurance claim. Hiring a public adjuster in Palm Beach allows you to have someone by your side who recognizes these problems when they develop and knows how to address them quickly, so it doesn’t delay your payout.

Well Versed With Business Interruption

Nothing is worse when your property damage has completely caused your business to cease operations. A business interruption claim helps to pay employee income, utilities, and other expenses. This helps keep your business from closing as a result of this loss. We can help you submit the proper documentation and work to clarify what a normal expense means for your particular business.

Actual Cash Value

Some claims are paid based on an actual cash value with depreciation deductions. Our job as your public adjuster is to submit documents and other facts that help dispute any lowball offers.

Negotiate a Fair Deal

While negotiating a fair deal can sometimes seem impossible, with the help of our public adjuster experts at Property Damage Consultants, it is achievable. We have the patience and experience to help you get the best settlement offer available.

Schedule a Free Consultation With a Palm Beach Public Adjuster

Nothing is more frustrating than when you file an insurance claim and it runs into issues. At Property Damage Consultants based in Boynton Beach, we work diligently to be every one of our client’s advocates. This allows them to get paid the amount of money that they deserve for their loss. When you’ve experienced property damage, call our public adjuster in Palm Beach at 561-258-9387 to schedule a free consultation and to learn about our services.

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Will Your Insurance Company Do The Right Thing?

It’s no secret that insurance companies do their best to pay out the very least for a claim. When you file an insurance claim for hurricane damage, water damage, mold damage, burglary, theft, vandalism, or any other reason, you deserve a fair settlement. A public adjuster from Property Damage Consultants has years of experience helping clients. They also know the costs of repairing, rebuilding and replacing your damaged property. This means that we can be an advocate for you to your insurance company, so that you get the right settlement. 

Things Insurance Companies Do To Lowball Their Customers

Firstly, they only care about their bottom line. This means that they want to maximize their profits by collecting premiums from customers, investing them to earn more, and of course, to pay out as little as they possibly can. And ultimately, they do so, because some people just accept the low settlement offer. 

How Hiring a Public Adjuster Increases Your Settlement Value

Ultimately, the insurance company doesn’t think most of its customers will hire a public adjuster to help them with the insurance claim process. When you hire Property Damage Consultants, we will help you with the investigation to gather all the facts of your case. Next, we will help you with the insurance claim, especially business interruption claims that help you to keep paying your employees, rent, and utilities while you’re not operating due to the damages. We also understand the costs of doing repairs, so we can guide you on the right settlement offer to take. Best of all, we can negotiate a fair deal for you. 

Schedule a Free Consultation With Our Boynton Beach Public Adjusters Today

Let’s face it when you file an insurance claim, you deserve a fair offer. At Property Damage Consultants, we are committed to being the advocate of each and every one of our clients in South Florida. This allows everyone to get paid the amount they deserve for their losses and damages. We understand that the process can be frustrating and work hard to get the settlement finalized as quickly as possible. 

To learn more about our services and how we can help you get the maximum settlement you deserve, call our office to schedule a free consultation at 561-258-9387.

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Four Things Most People Don’t Know About Homeowners Insurance & Claims

There are countless facts that many people don’t know about homeowners insurance & claims. At Property Damage Consultants, we are public adjusting experts who understand the process of investigating and filing a claim. We also understand the little-known things that the general public typically doesn’t know about homeowners insurance & claims. 

#1 Your credit score can influence how much you paid for insurance. 

While this doesn’t directly pertain to insurance claims, it does pertain to the cost of the coverage you’re provided. Most companies use these scores, except those in Massachusetts, Maryland, and California where it is prohibited. They determine how you manage your money and how likely you will be to file an insurance claim with your score. 

#2 Your homeowner’s insurance probably covers more than you know. 

While most home insurance doesn’t include flood damage, it may protect you from other things that you didn’t know. This may include volcano and even meteor damage. The lesson here is to read your policy clearly and fully understand your coverage should you need to make a claim. This allows you to decide if you want to add additional coverage such as for earthquakes if you live where they are prominent. 

#3 You can sometimes reopen a claim even after you accept a settlement check. 

You may be able to reopen your insurance claim and file for an additional amount as long as it’s one year from the date of your claim. This may pertain to additional required repairs that weren’t clear before the work started. Your state’s department of insurance will be able to tell you if you’re able to reopen your claim or not. 

#4 Many insurance claims are denied because you failed to maintain your property. 

Ultimately, home insurance is for unexpected damage and not things that could be avoided with regular maintenance. Neglecting your home or commercial property like damage from a leaky pipe or a roof that required replacement can lead to claim denial. 

Have An Experienced Palm Beach Public Adjuster By Your Side

When you hire someone who specializes in the insurance claim process, you can be rest assured you’ll get the results you’re looking for. At Property Damage Consultants, we work diligently every step of the process to help you get much-needed compensation for your damages. When you want to learn more about what we can do for you, call our expert team to schedule a free consultation at 561-258-9387. We represent clients in a variety of states and U.S. territories.

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The Worst Advice We’ve Ever Heard About Insurance Claims

While we like to think that our insurance company will be on our side, oftentimes, they aren’t. This makes it important to make the right decision regarding not only your coverage but also how to file an insurance claim. With the help of Property Damage Consultants, our Palm Beach public adjusters can guide you through this stressful process. Allow us to give you the peace of mind you deserve. Our experts can help you understand some poor advice regarding insurance claims so you don’t make these mistakes. 

Take The First Settlement Offer

Let’s face it, the insurance company knows that its first settlement offer is too low. Lowball offers are standard practice and frankly, it’s how most make money. Some even deny your claim first and make the policyholder jump through hoops to get approval. 

Don’t Be Careful About What You’re Saying To Your Insurance Company

This is why hiring a public adjuster who is well-versed in the process is important. They will take over investigating your claim and then will present it to your insurance company for you. They are on your side, unlike your insurance company which may pretend to be and then use things against you to deny or even lowball your claim. 

Trust That They Will Always Assess Your Claim In Good Faith

This legalese means that they must treat you fairly, reasonably, and most importantly, honestly. When they negotiate a claim in bad faith, they can get in trouble. If there is a breach of this duty of care to you, you can pursue legal action. 

You Must Hurry To Accept An Offer

There are times that insurance companies act like you need to make a decision fast about the settlement. However, this isn’t true. They think they can lure you in with quick cash, but in actuality, you’re signing away your rights to any other compensation. Take your time! 

Gain Some Peace of Mind With a Palm Beach Public Adjuster by Your Side

At Property Damage Consultants, we are committed to being our customers’ advocates. We work hard every step of the process to help them get the compensation that they deserve most. When you’ve experienced loss or damages, it’s time to call our public adjuster experts who can help manage your insurance claim. To schedule a free consultation and to learn about the services we can offer you, call 561-258-9387 today.

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Three Things Your Public Adjusters Wish You Knew About Insurance Claims

When it comes to public adjusters, there are many things they want you to understand to make the process smooth. After all, they’re the experts. This blog will inform you of some of the most important things to understand about the process and what to expect in terms of settlements. At Property Damage Consultants, our Palm Beach adjusters are ready and willing to help you start the insurance claim process.

#1 Your homeowner’s insurance covers more than you realize.

While it’s common for most home insurance to not include flood damage, it may protect you from other things that may apply to your claim. This can include meteors, volcanoes, and more. What’s important here is to read your insurance policy closely to fully understand the coverage you have. This will help you decide if you need to purchase additional coverage for your home.

#2 Sometimes you can reopen a claim even after getting paid.

You can sometimes reopen an insurance claim and file for more money up to a year from the date of your initial claim. This may occur because of additional repairs not foreseen at the time of your claim. Your state department of insurance can tell you if you’re eligible to reopen your claim or if your claim is final.

#3 Many insurance claims are denied because of maintenance failure.

Yes, home insurance pays for unexpected damages, however, if you fail to maintain your home, you’ll most likely get a denied insurance claim. Neglecting a home or commercial property whether from a leak or a roof that needs replacing can lead to a denial. This makes having a regular maintenance schedule important so you can ensure your property is protected and will be compensated for in the case of unforeseen damages.

Hire An Experienced Palm Beach Public Adjuster To Represent You

When you are looking for someone to investigate and file your insurance claim, Property Damage Consultants can help. We work diligently to ensure that all of our customers get the compensation they deserve during this difficult time. We also understand all the laws associated with filing claims and know what can cause your claim to be delayed too.

Allow our expert public adjusting team to do the work for you while you worry about more important things. To learn more about our insurance claim process and to schedule a free consultation with a Palm Beach public adjuster, call us at 561-258-9387.