NEW CLAIMS PROCESS
This is a general claims procedure for new claims we represent from beginning to end.
With a completed inspection, analysis and signed Letter of Representation, we, or the policyholder, can file the claim with the insurance company. (What is a Letter of Representation?)
We organize our photos into a detailed visual report of damages and draft an estimate for recovery. With our help, the policyholder will complete a notarized Proof of Loss and submit all documents (What is a Proof of Loss?).
The insurance company’s adjuster and our licensed Public Adjuster will schedule and inspect the property together and review your claim. The insurance company may request for an engineer, contractor or other third party to investigate on their behalf. By Florida Statute, the insurance company has up to 90 days to review and issue a Determination Letter (What is a Determination Letter?). If coverage is afforded we will request the insurance company to release all undisputed amounts and work to negotiate additional recovery until we all reach an agreement.
We, or the insurance company, may request appraisal or mediation for your claim. Appraisal is a binding contractual process available to settle valuation disputes between policyholders and their insurance companies when they fail to agree on the amount of loss or scope of damages. The key to a successful appraisal is hiring an expert who knows the ins and outs of the process. Mediation is a non-binding process where a neutral third party acts to encourage and assist in the resolution of a dispute without dictating the outcome. The insurance company and us may or may not receive a resolution in mediation.
Our firm will continue to represent your claim through to completion. We work on contingency only and receive compensation when the claim is paid over and above the deductible. If we can’t get a recovery, there is no fee. CLICK HERE TO SIGN UP or CONTACT US FOR A FREE INSPECTION