Many homeowners face the challenge of handling their own claims. The insurance companies adjuster will come to your home and agree with everything that the both of you have seen. after time, the insurance company finally sends a check and it’s either no where near where you needed or assume that the amount that you received would be enough. Unfortunately, in most cases, it’s not enough money to repair what you need. It’s not too late to call a professional to help you in your time of need. Call All American Public Adjusters if you live in Broward County, Miami-Dade County or Palm Beach County and need assistance with your water damage, fire damage, hurricane damage, flood damage, hail damage, sink hole damage, or even if you are unsure. We currently have: Miami public adjusters, North-Miami public adjusters, Pembroke Pines public adjusters, Hollywood public adjusters, Sunrise public adjusters, Fort Lauderdale public adjusters, Lauderhill, Pompano Beach public adjusters, Coconut Creek public adjusters, Coral Springs public adjusters, Tamarac public adjusters, Wellington public adjusters, Boca Raton public adjusters, Delray Beach public adjusters, Deerfield Beach public adjusters, West Palm Beach public adjusters, Lake Worth public adjusters, Palm Bay public adjusters, and more. Contact us today so that we can guide you through your claim and get you the maximum settlement for your property damage claim. Call or email All American Public Adjusters for all your claim needs.

What we do for you:

• Document Property and Contents Damage
• Maximize your insurance claim and minimize your stress
• Negotiate the insurance claim for necessary repairs or replacement for the loss
• Provide detailed estimates for the loss
• Reopen denials and ensure proper reimbursement
• Residential and Commercial Claims

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If live in New York or New Jersey and your suffered property damage from Hurricane Sandy, then time is running out to file for a supplemental insurance claim. If your insurance company has paid you for a portion of your damage and you have detailed, itemized receipts and invoices from contractors for work performed or to be performed, in excess of what the insurance company has paid, then you can still have a chance. The deadline for supplemental claims is April 28th, 2014.

The Standard Flood Insurance Policy generally allows homeowners 60 days from the date of loss to file proof-of-loss claims. The new deadline is April 28, 2014

A Proof of Loss is a form used by the policyholder to support the amount they are claiming under their policy, which must then be signed and sworn to, and submitted with supporting documentation. The policy covers structures and any personal property contained within that was damaged or destroyed by flood waters.

This extension will provide policyholders more time to gather their paperwork, document their losses and account for any additional expenses that were discovered after repairs or rebuilding projects began.

Now is the time to hire a public adjuster. You need a professional to review your claim, review all of your invoices, receipts, and photos, and assist you with filing your proof of loss to get you more money for your claim. Call us before it is too late!

What we do for you:

• Document Property and Contents Damage
• Maximize your insurance claim and minimize your stress
• Negotiate the insurance claim for necessary repairs or replacement for the loss
• Provide detailed estimates for the loss
• Reopen denials and ensure proper reimbursement
• Residential and Commercial Claims

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If you want to be protected when you suffer water damage to your most prized possession then you need to hire a public adjuster. Unlike the insurance company’s adjuster, a public adjuster is hired by the policy holder to assist with negotiating and settling your water damage insurance claim in Charleston, Columbia, and Mt. Pleasant South Carolina.

Water damage can be caused from a number of different sources. On average, policy holders in Charleston, Columbia, and Mt. Pleasant South Carolina are uncertain of the steps to take after you experience water damage to your home or business. Water damage can be caused from a pipe break or burst, from an overflowed toilet, from a fire, hail damage, or from a flood or hurricane, among other things.

Having knowledge and experience with property damage and water damage claims is imperative, especially when Personal property or loss of use is involved. Make sure you have the representation you need to get the maximum amount for your water damage insurance claim. Contact us today for a free claims evaluation

What we do for you:

• Document Property and Contents Damage
• Maximize your insurance claim and minimize your stress
• Negotiate the insurance claim for necessary repairs or replacement for the loss
• Provide detailed estimates for the loss
• Reopen denials and ensure proper reimbursement
• Residential and Commercial Claims

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Call for a Free Consultation today

Hail Damage Claim Experts

Throughout the hail season this year, we have seen numerous reports of hail throughout the US. As many have experienced, hail can be one of the most damage components of a thunderstorm leaving houses and cars devastated with damage. How does hail form? Why do some parts of the US get more hail than others.

The Formation of Hail

Hail forms when tiny pieces of ice, are kept in the air by strong updrafts, get blown through freezing thunderclouds until they are heavy enough to fall to earth. Most large thunderstorms create some hail, but the proper conditions must be present for the hailstones to grow large, freeze solid and then survive until they reach the ground.

Think of a hail stones like multiple layers of ice. The larger the hail stone the more layers will be found. If the thunderstorm is cold and windy enough, this ice pieces will accumulate layers of ice the way a dipped candle accumulates layers of wax. The hailstone is tossed upward and downward allowing it to accumulate more layers especially if the updraft is stronger.

We help with other claims besides hurricane damage!

Types Of Damages

• Storm Damage
  • Hail/Wind/Water
  • Hurricane
  • Tornado
• Fire Damage
• Water Damage
  • Pipe break
  • A/C Leak
  • Dishwasher Leak
  • Mold Damage
• Theft/Vandalism Damage

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What is a Public Adjuster?

Before we can explain why hiring a public insurance adjuster is beneficial to you the homeowner, it might be helpful to start at square one and define a public adjuster. A Public Adjuster is a licensed insurance professional who adjusters the loss of your property and is hire by you, the homeowner. Just like your insurance company has an insurance adjuster, you as a homeowner can have your own insurance adjuster that works for you!

Why Hire a Public Insurance Adjuster?

There main reason to hire an insurance adjuster is to maximize your insurance claim. Remember, your insurance company is looking to save money in every way that it can. In fact, the insurance adjuster’s job including paycheck, raises and the possibility of promotion are contingent upon saving the insurance company money. A public adjuster will work diligently to prepare and present your claim to the insurance company and is not harnessed by any of those restraints because they work for YOU.

Additionally, many insurance companies hire independent insurance adjusters. Basically the they subcontract the work to a independent insurance adjuster firm (by the way it is a different licensing than a Public adjuster). Many of these adjusters have too many claims to manage, and as a result thoroughness is neglected. A Public Adjuster will make sure they cover everything they are responsible to cover.

Lastly, most homeowners are not familiar with their insurance policy or insurance laws because you have many other things that take up your time. A Public Adjuster daily examines policy and insurance claims and insurance law – that’s what they do for a living! By hiring a public adjuster, you will feel more confident that your rights are being protected by a professional who is working for you.

What is the fee for a public adjuster?

The fee charged by a public adjuster is a percentage of the settlement. The fee is on a contingency basis. If you do not receive settlement from your insurance company, the public adjuster does not collect a fee. Their service fee is due in full upon receipt of payment from the insurance company

Water Damage Restoration

Water damage restoration is the process of restoring a home back to pre-loss condition after sustaining any level of water damage. Simply stated, if your home is damaged in any way due to water, water damage mitigation or restoration is the process that restores it back to its condition before the water damaged the property.

If water damage occurs in your home, it is important to take the necessary steps in getting your house back to pre-existing condition. Many homeowners decide to take matters in his or her own hands and end up eating a bill that the insurance company should have paid for. Remember, your insurance company is ultimately out for their own, and if they can get you on neglect or not properly handling the loss in timely manner, they will.

Getting a professional water restoration specialist involved is a sure way to not only get fully reimbursed, but to get your home back to it’s pre-existing condition. The main reason we suggest hiring a professional is because they will adequately dry out the home. The major reason for problems with this type of claim is not drying out the property properly. Mold and additional damages can occur, and sometimes the insurance company will deny a mold claim because the suggest that you were negligent in handling the loss properly.

At All American Public Adjusters, we not only have a team of professional claims adjusters and policy experts, we also have a team of water mitigation specialists that will ensure that your home is adequately dried and restored to pre-existing condition. Additionally, we will handle the entire claim process for you, maximizing your insurance claim and minimizing your stress.

We help with other claims besides hurricane damage!

Types Of Damages

• Storm Damage
  • Hail/Wind/Water
  • Hurricane
  • Tornado
• Fire Damage
• Water Damage
  • Pipe break
  • A/C Leak
  • Dishwasher Leak
  • Mold Damage
• Theft/Vandalism Damage

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Fire damage insurance claims can be very tricky. When you face damage to your most important prized possession, the damage is not always apparent or visible. It is very important to  take great care to inspect all aspects of a fire , the smoke, and water damage caused as a result of the fire damage. Once you have a full understanding of the damages, a detailed outline of how to properly fix the damage can be outlined. Detailed estimates are defined along with proper clean up techniques to fix the damaged area and any other areas which could have exposed your home or business to future issues cause by the fire. Experience, knowledge, and time are critical in assessing the fire damage property loss. Public Adjusters have the knowledge of proper construction techniques, proper clean up methods, and the critical estimating tools to develop a detailed line by line estimate of damages which will work to your advantage in building your fire damage insurance claim against your insurance company. All American Public Adjusters is licensed and bonded and have over 20 years of combined experience.  If you live in Orlando or the surrounding area, then we can assist you with your fire damage insurance claim today. Contact us today for a free claims evaluation.

What we do for you:

• Document Property and Contents Damage
• Maximize your insurance claim and minimize your stress
• Negotiate the insurance claim for necessary repairs or replacement for the loss
• Provide detailed estimates for the loss
• Reopen denials and ensure proper reimbursement
• Residential and Commercial Claims

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Call for a Free Consultation today

Property damage can vary when owning a residential or commercial property. Aside from everyday losses such as overflowing toilet, fire in a kitchen,  vandalism after someone moves out of a rental property, pipe break/ burst in ceiling or walls; homeowners also experience losses related to weather such as water damage from flooding or wind damage from hurricanes or tornadoes to their roof or siding. Many of these types of damages are covered by insurance company. Whether you own your home/business or still have a mortgage on it, it is very important that you have insurance on your property. When you experience things like water damage, fires, flooding, roof damage, or plumbing damage your claim needs to be reported to your insurance company promptly! Most policies have a 14 day rule to report your insurance claim, unless there are other circumstances in which it is even more important to file your claim and do it correctly! It is very common for a homeowner to take it upon themselves to file a claim and negotiate and settle their own insurance claim. Unless you are knowledgeable in property damage and insurance policy and policy language, it is very likely that you will be underpaid on your insurance claim. As a property owner you want to make sure that if anything is to happen to your property then it should be fixed to look the way it was before, and because you pay insurance every month, you shouldn’t have to come out of pocket for any of it! That’s what Public Adjusters are there for! Public Adjusters are licensed and bonded in your state. We are highly knowledgeable in property damage, insurance policies, and negotiating and settling claims. Our job is to protect your best interests and get you the maximum settlement for your claim. Before you call an insurance company and report your loss, FIRST CALL A PUBLIC ADJUSTER! We can advise you if you even have a claim and the proper steps to take to move forward. You have nothing to lose. The best part about a public adjuster is that we don’t get paid if you don’t get paid! Contact us today for a free claims evaluations.