WELCOME TO THE CLAIM DEFENDERS
Public Adjusting Services
WE WON’T ALLOW YOUR INSURANCE COMPANY TO TAKE ADVANTAGE OF YOU.
ABOUT US
We have decades of experience working for insurance carriers. We have seen homeowners lose out on settlements and feel taken advantage of because they didn’t know their rights under the policy and inexperienced professionals took part in the investigation of their claim. Claim Defenders was founded with a mission to protect the interests of our clients when they need it most.
We are here to help!
THE CLAIM DEFENDERS ARE HERE TO ADVOCATE FOR YOU!
WHAT IS A PUBLIC ADJUSTER?
We’re insurance adjusters just like the ones assigned by your provider. The difference? We only work for you.
WHY YOU SHOULD HAVE AN ADJUSTER?
Most insurance companies miss things when reviewing your claim. We make sure to add in every applicable detail.
WHAT CAN THE CLAIM DEFENDERS DO FOR YOU?
We represent you and your claim, making it easy to maximize your chance of getting what you deserve.
The Claim Defender Services
FIRE DAMAGE
Fire damage claims can be stressful. Whether the fire at your home is only a small kitchen fire or one that involved many rooms, the task of dealing with the aftermath can be overwhelming. Unfortunately, the damage caused to a home by a fire is not usually limited to what we can see.
ROOF DAMAGE
Even a tiny leak can cause significant problems for a property owner. A leak can cause havoc on your building. From unsightly stains on the roof to more serious issues like mold, structural damage, and potentially fire if the water affects electrical wiring.
HAIL DAMAGE
Severe weather events such as super cell thunderstorms and the destructive tornadoes that follow remind us of Mother Nature’s power and fury. Communities affected by these storms suffer significant hail damage to homes, businesses, and government property such as schools and other municipal buildings.
MOLD DAMAGE
WATER DAMAGE
THEFT & VANDALISM
The costs involved in recovering from loss and damage to theft and vandalism can mount quickly. Having an expert public adjuster on your side after suffering loss and damage due to theft or vandalism of your residential or commercial property is crucial. Assigning value to damaged and stolen items can be challenging and time consuming.
WE ARE AVAILABLE 24/7 AND STAND READY TO ASSIST
We have decades of experience working for insurance carriers. We have seen homeowners lose out on settlements and feel taken advantage of because they didn’t know their rights under the policy and inexperienced professionals took part in the investigation of their claim. Claim Defenders was founded with a mission to protect the interests of our clients when they need it most.
We are here to help
The Claim Defenders can be your partner for claim success.
Let’s set up a meeting.
We care that insurance claims are settled properly, whether we are involved or not. Our relationships with our clients matter and that starts with adding value right away. Give us a call and we will see if we can help. If we can’t, we’ll give you our best advice on how to move forward.
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Frequently Asked Question
WILL MY RATES GO UP?
It is a common misconception that property insurance premiums directly increase due to filing of a claim. Premiums are calculated by insurance companies utilizing a variety of complex factors that take into consideration the entire area the policy holder lives in. Premiums are often calculated based on predictions regarding the amount of claims that may be paid in the following year. Refusing to file a claim if you have a legitimate sudden and accidental loss may mean you have already paid for your share and did not take advantage of the perks of your policy.
WILL MY INSURANCE DROP ME?
Insurance companies may drop an insured for any reason; however, this is not a common occurrence. Common reasons for insurance companies to drop someone include filing too many claims within a short period of time and attempting to combat a claim with the insurance company in a hostile manner. We pride ourselves and our expert Public Adjusters on their ability to assess each claim. This allows us to come to agreements with the insurance company in a way that optimizes the settlement for homeowners without engaging in any poor ethics or hostile negotiating. If we feel there is any risk of a negative result in filing a claim, we will advise you accordingly. Customer satisfaction and protection is our number one priority.
WHY USE A PUBLIC ADJUSTER?
Public Adjusters are experts in insurance policy verbiage, coverage, and claims handling procedures. We understand the responsibilities of the homeowner in order for coverage to apply as well as the responsibilities of the insurance company. By using one of our experienced public adjusters, homeowners can relax while we orchestrate mitigation, contractor services, document consolidation, policy review, settlement negotiation, and payment. We work with a team of experts in plumbing, roofing, construction, and law to ensure that settlement is always based on proper construction practices, material pricing, and contract interpretation.
HOW LONG IS THE PROCESS?
In compliance with Florida Statute Chapter 627 7(a) “Within 90 days after an insurer receives notice of an initial, reopened, or supplemental property insurance claim from a policyholder, the insurer shall pay or deny such claim or a portion of the claim unless the failure to pay is caused by factors beyond the control of the insurer which reasonably prevent such payment.” Usually, we will see our clients receive an initial undisputed payment within the first 90 days and then we will continue the negotiating process to address the difference between the initial payment and the settlement amount we believe our clients are entitled to. The rest of the process may take longer. If litigation is necessary, the legal process is subject to all proceedings as usual. We treat litigation as an absolute last resort and will avoid it if possible. If we feel it is necessary to take a claim through litigation, we will provide our expert legal services and continue working on your behalf.
HOW DO I PAY YOU?
We get paid through settlement of the claim. We abide by the industry standard of retaining 20% of the full settlement amount. This means that if we don’t achieve settlement on your behalf, YOU PAY NOTHING. As an acknowledgement of our pay percentage and moral value of our customers, we always strive to increase the margin of your settlement far past 20%. Customers should feel comfort in knowing that the difference in settlement when a public adjuster is on your side can be dramatic. We built this company on observing these differences first hand within the industry and reassure you that defending your claim is worth every penny.