Monthly Archives April 2021

How Do I Maximize My Insurance Claim?

The question we are asked the most is how do I maximize my insurance claim? One of the most under appreciated aspects of retaining a public adjuster to assist with your insurance claim is how having an estimate of the repairs that your home will need to restore it to pre-loss condition, prepared by someone other than an adjuster affiliated with your insurer, can help you recover more for your insurance claim.  A public adjuster’s estimate typically is more comprehensive and thorough than an estimate prepared by the adjusters that are utilized by insurance companies. Compared to insurance company adjusters,
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What is ALE Coverage and Why Is It So Important?

One of the most overlooked coverages available under virtually all homeowner’s insurance policies is that of additional living expenses, or ALE.  ALE is sometimes referred to as loss of use, but its importance to any homeowner’s or property insurance claim cannot be overstated.  This is because ALE coverage compensates you for the additional living expenses you have to pay if you are out of your home while repairs are completed as a result of a storm or other covered loss.  ALE coverage is extremely useful to have. The repairs made to your home after you suffer a loss can often
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Cast Iron Pipes and Water Damage Claims

Storm damage claims are a constant in Florida, especially given the extremely active Atlantic hurricane seasons in the past several years.  However, what many public adjusters will tell you is that storm damage claims have not formed the majority of their work in recent years. Instead, water damage claims due to burst, leaking. and/or clogged pipes are much more common than most people realize unless you work in or around the property or homeowner’s insurance industry.  This is due to the large number of homes that have cast iron pipes in South Florida, which are beginning to fail in larger
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Why Do Insurance Companies Discourage Retaining a Public Adjuster?

One of the most common questions we at PubAdjuster are asked by our clients and prospective clients is why do insurance companies discourage retaining a public adjuster? Homeowners are often told by their insurers that they do not need public adjusters to represent them in connection with their homeowner’s insurance claims.  Another question many homeowners who have already filed a claim with their insurer before retaining a public adjuster ask us is why the insurer suddenly becomes much harder to reach and more difficult to deal with once the insured has retained a public adjuster.  It is as if a
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