Residential
Public Insurance
Claims Adjusters
in Florida

Residential
Public Insurance
Claims Adjusters
in Florida

There’s nothing quite like living in the Sunshine State. From glorious summers to mild winters, Florida is a haven for people from across the US and around the world who want to enjoy the finer things in life. However, when something happens to your home, your life can be upended. Turning to your insurance company should help you find peace of mind, but all too often, it only causes further problems with low settlement offers and outright denials.

The good news is that you don’t have to be at the mercy of an uncaring insurer. At On Target Claims, our experienced residential public insurance claims adjusters serve Florida and the surrounding areas, providing residents just like you with the opportunity to restore their sense of security and peace of mind.

A loss at your home can range from frustrating to devastating. Even if the damage doesn’t make your home unlivable, it adds complication to your life. Of course, the more significant the damage, the more complex the situation becomes. For instance, a significant roof leak could mean damage to the interior of your home, loss of personal property, and more.

At On Target Claims, we work with Florida homeowners to help ensure they can repair the damage to their homes and get on with their lives. You have more important things to do than worry about a roof leak or another type of residential loss.

Dealing with a property claim is probably outside of your experience, as well, and insurers may take advantage of both those factors to deny your claim or offer low settlements that don’t cover the full cost of repairs.

As residential public insurance claims adjusters in Florida, we work in your best interests. Your insurance company will send an adjuster to verify the damage, but it’s important to understand that they don’t work for you. They have the insurer’s best interests in mind, which means finding ways to limit the company’s financial responsibility to you, the policyholder.

We help hold the insurer accountable. We’ll fight for what you’re owed and ensure that your insurer upholds their responsibilities to you, their customer.

Contact us today to request your free claim review and learn more about our services and how we can help you get your life back to normal. Whether you’re dealing with hurricane damage, flood damage, fire damage, or something else, we have the experience and expertise to help.

FAQs

Three fee structures are common for public adjusters. Those include flat rates, hourly rates, and contingency fees. The most common fee structure is a contingency fee ranging from 5% to 15%.

Insurance rate increases vary depending on the kind of claim you make. The average rate increase is between 9% and 20%. Your claims history helps determine how likely you are to file future claims.

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FAQs

 

 

  • How much does it cost to hire a public adjuster for a residential claim?

    Three fee structures are common for public adjusters. Those include flat rates, hourly rates, and contingency fees. The most common fee structure is a contingency fee ranging from 5% to 15%.

  • How much will my insurance go up if I make a residential claim?

    Insurance rate increases vary depending on the kind of claim you make. The average rate increase is between 9% and 20%. Your claims history helps determine how likely you are to file future claims.

  • How long does it usually take for home insurance claims to be processed in Florida?

    In accordance with Florida law, home insurance companies are required to provide a claims decision within 90 days. However, they can extend this timeframe if they request additional documents, sworn statements, or other necessary information. While most claims are settled well before the 90-day mark, some cases, especially fire claims due to extensive investigation, may take longer.

  • What is the process for home insurance claims in Florida?

    When filing a home insurance claim in Florida, the insurance company must acknowledge receipt of your claim within 14 days and provide a preliminary finding within 30 days. Subsequently, they are obligated to issue a claims decision within 90 days and make payment within 20 days of approval. If you disagree with their decision, you have the option to file an appeal. The law entitles you to free mediation through the Florida Department of Financial Services.

  • How do I file a home insurance claim in Florida?

    To file a home insurance claim in Florida, you can contact your insurance agent or coverage provider directly. Many insurance companies also offer convenient online claims forms. When submitting your claim, include a concise description of the loss. A claims adjuster will then contact you, and in some cases, they may need to schedule a visit to assess your property.

  • What steps should I take to make a residential insurance claim in Florida?

    In the event of a residential disaster, such as a house fire or pipe burst, rendering your home uninhabitable, it is crucial to contact your insurance agent or company immediately. Many policies provide coverage for temporary accommodation expenses, such as staying at a hotel, and other related costs. For less urgent claims, you can typically file them online.