Perhaps you have heard a statement like this one from an insurance company: “No, roofing materials…
A resident of Florida for more than 20 years, Julian joined Florida’s Best Public Adjusters following a successful career in business management in both Europe and the US. He transitioned into the Public Adjuster Field after having learned first-hand of the challenges that arise in dealing with property Insurance.
After initially concentrating on the Company’s hub territory of South East Florida, Julian’s area of operation has now been expanded to include both South East and South West Florida, specializing in water damage and hurricane cases along with smoke and fire damage to property. His close understanding of the more detailed terms of home owners Insurance Policies has proved to be a vital element in preparing successful claims for his clients.
Florida’s Best Public Adjusting Services Provides Professional Insurance Claim Representation For The Following Types of Losses: Water Damage, Roof Leaks, Hurricane, Flood, Smoke & Fire, Mold, Business Interruptions and more.
Florida residents are no strangers to tropical storms and hurricanes that can devastate your property. However, insurance carriers have modified their policies without a full explanation of what changes have taken place and how it affects your coverage. Our adjusters understand your policy and can translate whether it only provides coverage for damage due to wind or also damage from torrential rain, flooding or storm surge
Roof Damage from Hail and Wind is handled differently than hurricane claims when it occurs in the absence of a “named” storm. Damage from Hail and Wind damage occurring outside of a “named” storm are covered under your standard insurance policy a great deal of the time. Hail/wind damage are not easy to prove. I will fight for the maximum amounts permitted under your homeowner or commercial business policy.
Sometimes a small leak can turn into a major headache and your insurance policy may or may not cover the leak depending on its source. The public adjusters at Florida’s Best Public Adjusters are property damage experts with years of experience handling water damage issues regardless of the source.
Mold resulting from flooding, a broken pipe or other water-related issue can severely affect your health and property without your knowledge. Here in Florida’s warm, humid climate mold is particularly aggressive causing a variety of serious health issues. It is also your property’s potential enemy since it can weaken the building’s structure much as termites do.
Even a small, accidental kitchen fire can cause a big headache. Perhaps it’s a lightning strike, a careless cigarette or an encroaching wildfire. Dealing with city and county officials, your insurance company and the fire department is stressful and time-consuming. After evaluating the damage caused by flame, smoke and water, your public adjuster will review your insurance policy to determine coverage.
Sinkholes can cause extensive property damage depending on their size and depth. Some swallow entire buildings; others leave a house or commercial property heavily damaged or uninhabitable. In many cases, your insurance carrier will send a professional engineering team (that work for the insurance company) to drill into the ground and analyze the soil composition to determine whether there has been sinkhole activity. As your representative, we secure the same reports from an objective provider.
In the event that a disaster should impact your business, it may result in your place of work becoming unusable. Losses can be from fire, smoke, water damage, mechanical breakage of large machinery, hurricane, storm or wind damage, etc. Income will not be produced while fixed costs may continue to incur (e.g. rent, utilities, etc.)
During this period of business interruption, whatever income your business would have made cannot be used. Our forensic specialists analyze your historic financial records to determine this unusable income and work hard to speed up the process which gets you paid quickly.
Face it, we are all clumsy. Some accidents happen without human interaction. Heavy wall mounted objects of art fall and damage walls, floors and furniture. These falling or dropped object claims are valid and are generally able to be submitted as claims subject to your policy deductible.
In Florida the statute is to repair or replace with matching material. If your finishes are older it may be impossible to repair one area so that it matches. In that case your insurance company may be persuaded by Florida’s Best Public Adjusters to provide for the replacement of the entire floor, counter, patio tile, etc. that was a result of sudden and accidental damage to your property from a dropped or falling object.!
Roof Damage can be caused by several factors. For example, poor maintenance can cause a minor damage to become a major problem. Strong winds can severely damage a poorly maintained roof. Make sure to check that the tiles are securely attached.
Water can cause serious damage to property and promote the growth of toxic mold that render the premises unusable. Insurance policies routinely cover water damage, but often exempt flood damage from coverage.
If you suspect mold, don’t attempt to handle it by yourself since mold can be dangerous to your health. Hire a public adjuster who understands your policy’s fine print and the documentation required to get your mold claim settled fairly.