When you have an insurance claim, you need to know the players involved in the claim process. Once you have a claim, you may come into contact with many insurance and construction industry professionals. You should familiarize yourself with whom these people may be and if they work for the insurance company or you. Also, you need to be aware how different people you hire may effect your policy obligations and final payment. Below is a helpful list of some people you may meet while having an insurance claim:
Independent Adjuster v. Public Adjuster
An independent adjuster works for the insurance company. When you file your claim, the insurance company investigates the claim by sending its adjuster to access the damages and to write an estimate of repair if necessary. A lot of times, the assessment of your loss by this adjuster determines if your claim is denied or paid. Additionally, this adjuster’s estimate may be significantly below what it will actually cost to repair your damages.
Public adjusters work for you and not the insurance company. Public adjusters are independent third parties that help in creating an estimate of repairs that reflects the costs associated with hiring a contractor. A public adjuster adds a benefit to your claim, but, unfortunately, a lawyer is sometimes needed to obtain the repair estimate value your public adjuster prepared and to enforce your rights under your policy. Middagh Law, P.L.L.C. works with your public adjuster to ensure the valuation estimated by your public adjuster is utilized and the terms of your policy and Florida law are upheld and enforced in obtaining coverage and a settlement for your claim.
If you have already hired a public adjuster or you are a public adjuster with a client in need of a lawyer, we can help you defend your claim and make sure it is handled properly by the insurance company. Let us review your case and enforce your policy rights in holding your insurance company to what is owed. If you would like to learn more about how our office can help you or your public adjuster, feel free to contact us. We have our main office in Miami but we serve clients throughout Florida.
Industry Professionals
Have you hired a Water Extraction Company, Plumber, Roofer or other Contractor? Has your insurance company refused to reimburse you for their repairs? Have signed an assignment of benefits contract with one or more of these industry professionals? Has your insurance company refused to pay the invoice supplied under an assignment of benefits? Have you followed your policy and the law when it comes to assignment of benefits? New rules and laws have been implemented when it comes to assignment of benefits and your responsibilities.
Middagh Law, P.L.L.C. has experience with assisting both property owners and contractors with disputes relating to denied and underpaid claims and with assignment of benefit claims. Whether you are seeking payment for completed services or you are an insured who is attempting to assign benefits, we can assist in making sure your claim is treated fairly. If you would like to learn more about how our office can help you, feel free to contact us. We have our main office in Miami but we serve clients throughout Florida.
