What happens when disaster strikes and you have to file a claim on your property insurance?  You would expect your insurance company to take care of you promptly after you've made prompt payments to them for those ever-increasing premiums, right? 

What happens when they delay your claim, send an engineer to blame it on your lack of maintenance, or just deny it altogether? In recent years, as insurance companies strive to become more profitable, many of them use their claims department as an avenue for that extra profit. If you haven't experienced an insurance company treating you unfairly during a property claim to your home, business, or investment property, it's likely you will in the future as this trend continues and gets worse.  It’s understandable that every company needs to make a profit, but that journey towards record profits doesn’t need to ride on the backs of policyholders through a valley of broken promises.

Public adjusters are state-licensed and bonded private property claims investigators that advocate for the property owners and not the insurance company.  There is little to no direct out of pocket cost for this type of representation because most of the time their fees come directly out of the claim proceeds that they negotiate for you.  

According to a study produced by the Florida Legislature’s Office of Program Policy Analysis and Government Accountability (OPPAGA), hiring a Public Adjuster led to an average claim payout increase of 747%. Public Adjusters take their time to fully investigate the loss from your point of view, thoroughly review your insurance policy coverage and all endorsements and exclusions that the insurance adjuster may be missing, and present it to your insurance company in the manner and time frame that your insurance policy requires of you They do all of this while you are using your time for other things, because even if you were well versed in the property claims process, why would you want to?

Coppermark Public Adjusters

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