DENIED OR UNDERPAID CLAIM?
Is hiring a Public Adjuster right for Your Claim?
How Public Adjusters Help Policyholders Get What They Are Owed
Navigating an insurance claim can be overwhelming, especially when dealing with property damage from storms, fires, or floods. As a policyholder, you're entitled to a fair settlement under your insurance policy, but the process isn't always straightforward. That's where a public adjuster comes in. At Adkinson Insurance Services in Polk County, Florida, we specialize in advocating for you to ensure you receive the benefits your policy promises. In this post, we'll explore how public adjusters like us help policyholders get what they are owed, without the stress of going it alone.
Understanding the Role of a Public Adjuster
Public adjusters are licensed professionals who represent policyholders—not insurance companies—in the claims process. Unlike the adjuster sent by your insurer, we work exclusively for you. Our goal is to thoroughly review your policy, assess the damage, and ensure all covered losses are properly documented and claimed. This means we help clarify what your policy entitles you to, from initial filing to final resolution.
For example, after a hurricane like Milton in 2024, many Florida homeowners face complex claims involving water intrusion or wind damage. We step in to interpret policy language, identify applicable coverages, and submit evidence that supports your entitlement to reimbursement for repairs, replacements, and related expenses.
Step-by-Step: How We Advocate for You
Here's how a public adjuster levels the playing field:
- Policy Review and Damage Assessment: We start by analyzing your insurance policy to confirm what coverages apply. Then, we conduct a detailed inspection of the damage, using tools like moisture meters or thermal imaging to uncover issues that might be missed, such as hidden mold from flooding.
- Accurate Claim Preparation: Insurance claims require precise documentation. We compile photos, repair estimates, and expert reports to build a solid case, ensuring nothing is overlooked that could affect your entitlement.
- Negotiation with Insurers: Insurers may interpret damage differently. We negotiate on your behalf, presenting evidence to resolve disputes and secure the settlement outlined in your policy.
- Handling Denials or Underpayments: If a claim is denied or underpaid, we appeal with supporting facts, often turning initial decisions around without litigation.
Our approach ensures you get the fair treatment your premiums have paid for, helping you rebuild without unnecessary financial strain.
Real Benefits for Policyholders
Public adjusters bring expertise that policyholders often lack, leading to more accurate settlements. For instance, in Central Florida, where storms are common, we've helped clients recover for overlooked items like code upgrades required by Florida building standards, additional living expenses, and recoverable depreciation. This process not only gets you what you're owed but also reduces stress, saves time, and provides peace of mind.
According to industry data, policyholders who use public adjusters often resolve claims more efficiently.
Why Choose Adkinson Insurance Services?
As your local public adjuster in Central Florida, we understand Florida's unique challenges, from hurricane season to Citizens Insurance protocols. We're committed to ethical advocacy, ensuring you receive exactly what your policy entitles you to—no more, no less.
Get Started Today
If you're facing a claim denial or just want to ensure your policy is solid, contact Adkinson Insurance Services at 863-370-0519 or bobby@claimassistfl.com for a free consultation. We're here to help you get what you're owed.
Disclaimer: We are licensed public adjusters in Florida, compliant with DFS regulations. This post is for informational purposes only
