When Is It Too Late to Hire a Public Adjuster?
When Is It Too Late to Hire a Public Adjuster? The short answer: It’s never too late to get a professional claim review and find out if a public adjuster can still help you. If you’re a homeowner in Palm Beach County, Broward County, or Miami-Dade County dealing with an insurance claim, you might be wondering whether you’ve missed your window to hire a public insurance adjuster. This is one of the most common questions we hear from Florida homeowners, and the answer might surprise you. Understanding Florida’s Timeline for Public Adjusters In Florida, there’s no specific deadline that prevents you from hiring a public adjuster. You can bring one from the begining of the claim or after you’ve received your initial first offer. But there are practical considerations that affect when we can be most effective. Here’s what every South Florida homeowner should know: The Claim Filing Period Florida law gives homeowners up to two years to file a property insurance claim after discovering damage. Although the longer you wait the more difficult it becomes. So it’s crucial to act quickly after discovering damage from hurricanes, flooding, or other covered events. Quickly reporting damages is always helpful and will give your Public Insurance Adjuster the best chances of success. When Public Adjusters Can Still Help Even if you’ve already: Filed your claim Received a settlement offer Had your claim initially denied Been through the appraisal process A public adjuster near me can still review your case and potentially identify opportunities to reopen negotiations or file a supplemental claim. Common Scenarios Where It’s “Not Too Late” After an Unsatisfactory Settlement Many Palm Beach County and Broward County homeowners accept their first settlement offer, only to realize later that it doesn’t cover all their damages. A public insurance adjuster can review your settlement and determine if you received fair compensation for: Hurricane damage (especially common in South Florida) Water damage from plumbing issues Roof damage from storms Mold remediation costs Business interruption losses When Your Claim Was Denied Insurance companies deny claims for various reasons, but many denials can be challenged successfully. An experienced public adjuster can examine why your claim was denied and help build a stronger case for reconsideration. Sometimes there are details like property reporting of the claim that would help. Other times the claims might require evidence to support it. Discovering Additional Damage It’s common to discover hidden damage weeks or months after the initial incident. Whether it’s water damage behind walls or structural issues that weren’t immediately apparent, you can file a supplemental claim even after your original claim was closed. A Public Insurance Adjuster can help put together the supplement claim file and negotiate settlement. The Value of a Free Claim Review Here’s what sets professional public adjusters apart: We offer free claim reviews to determine if we can help, regardless of where you are in the claims process. During a free review, your public insurance adjuster can examine: Your original claim documentation The insurance company’s investigation Your policy coverage details Any damage that might have been overlooked The adequacy of your settlement Why South Florida Homeowners Need Specialized Help The unique challenges facing homeowners in Boca Raton, Delray Beach, and surrounding areas require local expertise: Hurricane season impacts that may not be fully understood by out-of-state adjusters Flood vs. wind damage distinctions that significantly affect coverage Local building codes and repair costs that influence settlement amounts Seasonal contractor availability that affects repair timelines and costs Red Flags That Suggest It’s Not Too Late If any of these situations apply to you, it’s definitely worth getting a free claim review: Your settlement seems low compared to repair estimates The insurance company’s adjuster spent very little time inspecting your property You discovered damage that wasn’t included in the original claim Your claim was denied for reasons you don’t understand … Read more
