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All Claims Experts

Represents You!

(786) 536-6560

 

  We Work For You Against Your Insurance Company

  Specializing in Property Insurance Claims

  Residential - Commercial - Automobile

  Available 24 Hours a Day, 7 Days a Week 

  NO RECOVERY - NO FEE! 


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1 year ago
Florida Association of Public Insurance Adjusters

The truth is, everyone should get a second opinion from a licensed public adjuster if they feel they were shortchanged by their insurer. You have a choice. The only individuals who are licensed by ... See more

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Please share this important story. If forced managed repair programs are permitted to continue, insurance companies won't just not pay you directly for a disputed claim. They will delay, defend ... See more

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About All Claims Experts

NO RECOVERY NO FEE

logo_aceCALL US TODAY 

786-536-6560

For a Free Inspection and Evaluation of Your Policy
WE GET RESULTS FOR POLICY HOLDERS!

 

All Claims Experts is a Florida Public Insurance Adjusting Firm dedicated to helping you, the policyholder; recover from damages sustained to your property. Whether you own commercial, residential property, or have a renter's policy our licensed Public Adjusters are independent insurance specialists working exclusively as your personal advocates. We will prepare an estimate of your loss, negotiate your claim, and ultimately recover money for damages on your behalf with the complete goal to recover the full value of your loss.

 

♠ As Your Public Insurance Adjuster We Will ♠

• Review your policy coverage and advise as to the maximum benefits you are legally entitled to.
• Inform you on how to protect and secure your property from further damage.
• Document and photograph your loss in order to submit to your insurance company.
• Provide a physical inventory and or appraisal of all damaged personal property.
• Provide experts needed to support your claim.
• Submit a detailed repair estimate to your insurance company.
• Formally report / submit your claim to your insurance company.
• Keep you updated periodically on the ongoing process of your claim.
• Negotiate the best possible settlement of your claim with your insurance company.
• Our goal is to get a settlement that is satisfactory for you to properly repair your property and to relieve you of the stress and hardship of having to meet all of the requirements of your insurance company.

 

♠ Public Insurance Adjusters ♠

A respectable Public Adjuster will meet the policyholder at the site immediately, provide you with information under your additional living expenses when applicable, and will guide you for measures to secure property from further damage and debris removal. From the onset, the Public Adjuster reviews the policy in detail to evaluate all possible monetary compensation under the guidelines of the policy. We then assess the damages by completing a detailed inventory of both building and personal property.  We represent the policyholder at all the inspections with the insurance company's representatives, and present a thorough claim to the insurance company.

 

 

Policy Types

Types of Property Insurance Policies

 

♠ Dwelling Fire (DP-1) 

A very basic (limited) policy with named perils for rental rental properties. All covered perils are listed in the policy. Some of the perils usually listed are: Fire or Lightning, Windstorm or Hail (unless excluded), Explosion, Riot or Civil Commotion, Aircraft, Vehicles (unless caused by the insured), Smoke, Vandalism or Malicious Mischief, Theft (see limits of liability – usually $1,000), and Volcano Eruption. This policy often protects owners of a home, condominium or rental property with coverage for the dwelling, other structures, personal property and loss of rent. Tenant’s personal property coverage can also be available. Homes covered by this type of policy are generally tenant occupied. This policy is similar to a DP-3, but covers fewer perils at a reduced premium. This is an “actual cash value” (ACV) policy on all coverage, depreciation will be deducted from damages. This policy may contain a (Water Exclusion).

 

 

 

♠ Dwelling Fire (DP-2) 

A broad policy with named perils for rental properties. All covered perils are listed in the policy as with DP1. Contains all the covered perils on HO-1 along with additional covered perils. Additional covered perils might include; Falling Objects, Weight of Snow or Sleet, Accidental Discharge or Overflow of Water or Stream from within a Plumbing System, Sudden and Accidental Water Damage from Rupture, Tearing Apart, Cracking, Burning, Bulging or Freezing of Plumbing or related Systems (not due to lack of maintenance) such as Heating, Air Conditioning, Fire Protective Sprinkler, or Hot Water Heating Systems, Sudden and Accidental Damage from Artificially Generated Electric Current. Offers the owner of a home, condominium or rental property with coverage for the dwelling, other structures, personal property and loss of rent. Tenant’s personal property coverage can also be available. Homes covered by this type of policy are generally tenant occupied. This policy is similar to a DP-3, but covers fewer perils at a reduced premium. Unlike DP-1, this policy contains “actual cash value” (ACV) for personal property and ‘replacement cost’ (RCV) for the dwelling and other structures. This policy may contain a (Water Exclusion).

 

 

 

 Dwelling Fire (DP-3) 

A special form policy (Most Common).  Best coverage available for rental properties. Known as an ‘all risk’ policy unless it’s excluded in the policy language. Exclusions usually found on this policy are; Ordinance and Law, Earth Movement, Water Damage from Flood, Waves, Tidal Waves, Power Failure, Neglect, War, Nuclear Hazard, Intentional Loss, Governmental Action. Provides owners of a home, condominium or rental property with more complete coverage for the dwelling, other structures, personal property and loss of rent or additional living expenses. Tenant’s personal property coverage can also be available. Homes covered by this type of policy are generally tenant occupied. As with DP-2, this policy contains “actual cash value” (ACV) for personal property and ‘replacement cost’ (RCV) for the dwelling and other structures.

 

 

Homeowners (HO-1) 

A very basic (limited) policy for homeowners. All the covered perils are specifically listed. If it is not named on the policy it is not covered. Some of the perils usually listed are: Fire or Lightning, Windstorm or Hail (unless excluded), Explosion, Riot or Civil Commotion, Aircraft, Vehicles (unless caused by the insured), Smoke, Vandalism or Malicious Mischief, Theft, (see limits of liability – usually $1,000), Glass Breakage, Volcano Eruption.  Normally this policy contains “actual cash value” (ACV) for personal property and ‘replacement cost’ (RCV) for the dwelling and other structures. This policy contains a (Water Exclusion).

 

 

Homeowners (HO-2) 

A broad policy for homeowners. All the covered perils are specifically listed. If it’s not named on the policy it is not covered. Contains all covered perils on HO-1 along with additional covered perils. Additional covered perils might include; Falling Objects, Weight of Snow or Sleet, Accidental Discharge or Overflow of Water or Stream from within a Plumbing System, Sudden and Accidental Water Damage from Rupture, Tearing Apart, Cracking, Burning, Bulging or Freezing of Plumbing or related Systems (not due to lack of maintenance) such as Heating, Air Conditioning, Fire Protective Sprinkler, or Hot Water Heating Systems, Sudden and Accidental Damage from Artificially Generated Electric Current. Normally this policy contains “actual cash value” (ACV) for personal property and ‘replacement cost’ (RCV) for the dwelling and other structures.

 

 

 

Homeowners (HO-3) 

A special form policy (Most Common). Usually the best available coverage for owner occupied properties. Combination Open Peril and Named Peril (for Personal Property). Also known as an ‘all risk’ policy unless it’s excluded in the policy language. Exclusions usually found on this policy are; Ordinance and Law, Earth Movement, Water Damage from Flood, Waves, Tidal Waves, etc., Power Failure, Neglect, War, Nuclear Hazard, Intentional Loss, Governmental Action. Provides the owner with building, other structures, personal property, additional living expense and liability coverage. Normally this policy contains “actual cash value” (ACV) for personal property and ‘replacement cost’ (RCV) for the dwelling and other structures.  

 

 

 

Homeowners (HO-5) 

An Open Peril form policy (Not Common in Florida). This is the ideal and complete coverage available for owner occupied properties. Similar to an HO-3 with the distinction of an Open Peril for personal property vs. a Named Peril as in the HO-3.  Also known as an ‘all risk’ policy unless it’s excluded in the policy language. Provides the owner with building, other structures, personal property, additional living expense and liability coverage. Normally this policy contains ‘replacement cost’ (RCV) for personal property, dwelling and other structures.

 

 

♠ Renters (HO-4) 

Provides a renter/tenant of a home or mobile/manufactured home with personal property, additional living expense and liability coverage. Ideally for tenants to protect their personal belongings such as their electronics, furniture, and clothing in case of a covered loss.

 

 

Condo Unit Owners or Tenants (HO-6)

Provides the owner of condominium unit with interior building, personal property, additional living expense and liability coverage. The unit covered by this policy can be either owner or tenant occupied. Many condo unit owners have the misconception that the homeowners association’s master policy (HOA) protects their unit from a loss.  

 

 

Homeowners Older Homes (HO-8)

Provides the owner of an owner occupied home with building, other structures, personal property, additional living expense and liability coverage. Policy primarily keeps insurance companies from having to use expensive and/or inferior materials to replace or repair elements of an older home. This is an “actual cash value” (ACV) policy on all coverage, depreciation will be deducted from damages. This policy contains a (Water Exclusion).

 

 

 

Homeowner’s Association (HOA)

Provides the association with a master insurance policy which provides coverage for the Buildings such as residences (exterior walls), clubhouse, garages, carports, foundation, pipes, wires, conduits, utilities, heating, cooling, security systems, machinery and equipment, balconies, porches, decks, and patios, etc. Structures such as arbors, awnings, cabanas, sport courts, fences, fountains, gatehouses, gazebos, recreation fixtures, etc. Other property could include antennas, indoor/outdoor furnishings, signs, landscaping, fine arts, etc.

 

 

Business Owner’s (BOP)

Provides business owner’s with a policy which may include business property insurance, business interruption which provides reimbursement for up to a year of lost revenue resulting from an insured property loss, liability and flood insurance. Depending on the risks a business owner might face, the business owner can request additional coverage to the policy.

 

 

Commercial Property Insurance 

Provides a commercial property with coverage for the dwelling, furniture, equipment, outdoor signs, inventory, others property, landscaping, etc.

 

 

Mobile Home Owners (MHO-3) 

Provides the owner of an owner occupied mobile/manufactured home with building, other structures, personal property, additional living expense and liability coverage.

 

 

Mobile Home Tenant (MHO-4) 

Provides a renter or tenant of a mobile/manufactured home with personal property, additional living expense and liability coverage.

 

 

 

Mobile Home Dwelling Fire (MDP-1) 

Provides the owner of a mobile/manufactured home with coverage for the dwelling, other structures, personal property and loss of rent. Tenant or renter’s personal property coverage can be also be available. Premises liability coverage is optional. The mobile/manufactured homes covered by this policy are typically tenant occupied. This policy is similar to a DP-1, but is only issued for mobile/manufactured homes.

 

 

Policies vary from company to company and should be reviewed in order to determine the type of coverage available and what’s excluded in your individual policy.

 

 

Call Us Today

 
All Claims Experts ♠
 

(786) 536-6560

 

We Work For You!

Property Insurance Claims

We Can Assist You With The Following Claims:

 
 

 

 

 

Wind Damage Claims

 

 

Wind damage is usually related to windstorms, hurricanes, hailstorms, tornados, high winds and large thunderstorms. Many insurance companies will refuse to pay for roof, shingles, siding, garage doors, and window damage.

Wind: High winds can cause your roof's shingles to lift or debris to crack roof tiles creating an opening in your roof which results in water entering the property when it rains. Extremely high winds can cause extensive damage to your property and should be inspected by a professional. Contact us and we will provide you with a completely free no obligations consultation. Remember it is your responsibility as a homeowner to protect your property and stop water from entering your home immediately.

Many policyholders are wrongfully denied by their insurance company. Contact us today if you have been previously denied or have recently sustained damages and would like an expert's opinion. We will fully evaluate your loss and guide you accordingly. With our knowledge and professional experience we will be able to help you with all your questions and concerns. During our inspection if we come to the conclusion that your loss is a covered loss we can assist you with all the documentation required by your insurance company and ultimately negotiate on your behalf in order to recover a fair and honest settlement.

Call us today. We will fully inspect your property and guide you through the stressful process. We offer a completely free inspection with no obligations.


 

 

Water Damage Claims

 

roof leak damage

 

Water damage can be from broken pipes, leaky faucets, plumbing leaks, toilet overflow, AC leaks, and leaks from appliances which can cause significant damage to your property. Many people are not aware that they have a loss or that they might be covered by the insurance policy. Some might assume the loss is too small to claim but often find themselves spending thousands of dollars in repairs, placing themselves in an unnecessary financial burden.

Insurance policies are in effect and premiums are paid by you in order to provide you with the protection you need in case of a loss. Contact us and we will conduct a thorough inspection of the property and advise you accordingly free of charge with no obligations. We are experts in the field and with our knowledge and professional experience we can help you with all the required documentation requested by your insurance company and negotiate on your behalf in order to recover a reasonably fair and honest settlement.

Call us today. We will fully inspect your property and guide you through the stressful process. We offer a completely free inspection with no obligations.


 

 

Fire Damage Claims

 

Fire damage

 

Fire damages can be very devastating and stressful to deal with. They can be anywhere from a small contained room fire to a complete burn-out of a home (total loss). We can help you through this ordeal and represent you against your insurance company to ensure you get a satisfactory settlement to properly repair your property. 

After a fire occurs there are important decisions to be made, a task very difficult for anyone that finds themselves in a tremendous amount of stress which can result in confusion. Many make mistakes during this time as to how to handle a restoration company or what contracts need to be signed. These can have drastic consequences on the amount you are able to recover from your loss.

Contact us immediately should you have suffered a loss due to a fire. We offer free inspections with no obligations. With our knowledge and professional experience we can help you with all the required documentation requested by your insurance company and ultimately negotiate on your behalf in order to recover a reasonably fair and honest settlement. We will fully inspect your property and guide you through the stressful process.


 

 

Smoke Damage Claims

 

smoke damage

 

Smoke damage can occur from a fire or soot resulting from a fire, which can quickly turn your home into a hazardous place to live. You may not see smoke damage in many places, and it could be creating a very dangerous condition for you and your loved ones.

  • Soon after a fire, soot residue will settle onto the property and your personal belongings.
  • Within hours, all surfaces begin to sustain damages from the fire and smoke damage.
  • Within weeks the restoration process will take longer and cost more.

Prolonged soot exposure permanently harms all surfaces and penetrates in fibers. Replacement of property might be the best option at this point. The structure may continue deteriorating if not properly restored. Discoloration of porous material are permanent. Wooden furniture may require refinishing. Metal commences to rust and corrode. Paint on walls begin to turn yellow. Clothing may become permanently stained warranting replacement. Flooring may require refinishing and at times replacing.

Damages from a fire loss no matter how small or large result in a cloud of smoke that spreads throughout the entire property. Smoke always tends to travel to cooler areas, through vents, pipes or cracks, staining walls, flooring, furniture and clothing leaving an unpleasant odor. It is recommended cleanup for smoke damage be done with professional cleaning equipment and techniques to ensure that nothing is left out. Attempting to clean smoke and soot on your own, may result in additional damages and you may overlook important areas such as air ducts and vents.

The costs to repair smoke damage can be very expensive, and having a reputable public adjusting firm on your side can help alleviate the stress by evaluating and negotiating a fair settlement with your insurance company on your behalf. Call us today. We will fully inspect your property and guide you through the stressful process. We offer a completely free inspection with no obligations.

 

 

Theft Claims

 

theft home

 

Theft claims need to be detailed and specific. Most policy holders are not aware that not only are the items stolen covered, but the damages caused by the theft are also covered. This could include broken windows, damaged doors and frames, safes, walls, floors, etc.

Business owners that have had a theft might be able to get compensation for loss of time or lost productivity and sales if your business is not operational. Business owners are most often hurt by downtime that is caused by theft of equipment needed to be operational.

Always prepare yourself for the unexpected. Save all your receipts and your manuals. Document all your purchases to ensure a smoother transition in case you ever sustain a theft. Take photos of your personal belongings and if possible video tape all your belongings. Find a safe place to store your important documents, manuals, photos and videos, such as a safe, or fire proof box. You don’t know how important all this information truly is until you have sustained a loss and the insurance company is requiring proof of ownership.

Contact us immediately if you are a victim of a burglary. We will guide you and assist you with your loss. With our knowledge and professional experience we can help you with all the required documentation requested by your insurance company and negotiate on your behalf in order to recover a fair and honest settlement. We will fully inspect your property and guide you through the stressful process. We offer a completely free inspection with no obligations.

 

 

Vandalism/Malicious Mischief/Destruction of Property Claims

 

vandilism

 

Vandalism and mischief is an intentional destruction of property. When your residence or business is vandalized you are usually covered by your insurance policy. Coverage includes the vandalism itself and any damage caused from the act itself. Your walls, baseboards, appliances, windows, doors, gates, HVAC system, floors, and furniture may all be covered under your policy.

If you have recently evicted a tenant who acted malicious and out of anger caused damages to your property you may be covered by your insurance policy.

Contact us immediately if you have been a victim of a vandalism. We will complete a full inspection of your property and guide you through the stressful process. We can communicate, negotiate and ultimately recover a reasonable and satisfactory settlement on your behalf. We will fully inspect your property and guide you through the stressful process. We offer a completely free inspection with no obligations.


 

 

 Lightning Claims

 

Lightning Damage

 

Damage from lightning can be complicated and stressful at the time of filing a claim. Most policy holders are not aware of what is covered and how to properly prepare and present documentation of damages to electronics, computers, phones, home appliance, business equipment (computer servers, copy machines). Expensive items can sometimes be missed and go unnoticed or the insurance company may claim the item is not damaged even when it is obvious. Lightning can also cause serious damage to a property’s structure which can result in fires. Sometimes lightning can strike a neighboring tree causing it fall on your home or business resulting in damages.

These types of claims can be extremely challenging for a policy holder. Not only could you sustain damage to your roof, walls and attic, but water can enter your property and travel within your walls, out of your baseboards, even result in cracks to your floors, as well as electrical wiring damage, home structure damage and much more.

Business owners may be entitled to recover for loss of work should your business be interrupted due to a loss. Homeowners may also be able to recover for loss of use, if you need to rent a hotel or rent another house while repairs are ongoing.

Contact us today should you have sustained damages due to lightning. We have the knowledge and professional experience needed to assist you with this type of loss. We will evaluate and document your loss in order to negotiate and ultimately recover on your behalf a reasonably fair and honest settlement. We will fully inspect your property and guide you through the stressful process. We offer a completely free inspection with no obligations.


 

 

Mold Damage Claims

 

Garage (5)
 

Mold can be found in a variety of colors including white, brown, orange, green and black. Mold can sometimes be found to have a furry look or might resemble a stringy slime, but some can also have a powdery-look. Black mold is considered to be the most dangerous type of mold found in properties. Mold should be addressed immediately to avoid potential adverse reactions to the mold. Mold can grow at an extremely fast pace. Mold can form in as little as 24-48 hours after water exposure.

Mold exposure can lead to several health-related problems. Mold has the ability to travel through the air, into the ventilation system of your property. The inhalation of mold spores can create a variety of respiratory health problems. Common side effects seen from mold exposure include asthma, allergies, respiratory infections, sinus infections and skin rashes. In some cases, mold exposure can even be fatal.

Mold often requires testing to identify the remediation process for the specific type of mold found on the property. A remediation contractor should follow the recommended procedures required to fully and properly remove mold from the property. The clean-up, removal and remediation techniques can be costly and hazardous.

During our inspection of your loss we will advise you on the most effective way to assess the mold issue in your property and we will properly document the mold loss. We will provide you with our expert advice on whether the use of outside experts might be necessary.

Call us today. We will fully inspect your property and guide you through the stressful process. We offer a completely free inspection with no obligations.

 

 

 

Roof Leak Claims

 

 

Roof leaks present many challenges for a homeowner or business owner. These types of losses can lead to substantial damage to the interior of your property. Even after you repair the roof and stop the leak you may have sustained damages to the interior such as to the attic, insulation, ceilings, walls, baseboards and possible mold growth found or hidden in the interior surfaces of your property.

Many insurance companies will deny your loss using the “Wear and Tear Exclusion”. The exclusion can be found in your insurance policy and applies to the roof itself which means a worn out roof will NOT be covered by your policy unless it is first damaged by “accidental direct physical loss”. If the roof sustain damages caused by a wind storm, hurricane, tornado or some other accidental cause then the roof itself would be a covered loss.

Damages resulting from water entering your home or building may be a covered loss because the exclusion also says, “However, we do insure for any resulting loss.” Due to this exception insurance companies tend to periodically inspect the roof on the properties to ensure roof is still in good condition and not found worn out. If a roof is found deteriorated or neglected, the insurance company could insist that the roof be immediately replaced or they will threatened to cancel the insurance policy.

We have the knowledge and professional experience needed to assist you with this type of loss. We will evaluate and document your loss in order to negotiate and ultimately recover on your behalf a reasonably fair and honest settlement. Call us today. We will provide you with a completely free inspection of your loss with no obligations.


 

 

Power Surge Claims

 

  burnt-surge-cord

 

Power surge claims can typically be due to electric power line failures, transformer or generator malfunctions or any other electrical problem out of your control. Most frequently damaged items from a power surge are appliances and electronics these items include anything that might be plugged into a power outlet such as; refrigerators, dishwashers, stove, washing machines, dryers, central A/C system, burglar and security systems, garage door openers, televisions, computers, telephone, copiers, printer, fax machines, fish tanks, ceiling fans, stereo equipment, and video game consoles to name a few.

These types of claims are difficult. You should always prepare yourself for the unexpected. Save all your receipts and your manuals. Document all your purchases to ensure a smoother transition in case you ever sustain a loss. Take photos of your personal belongings and if possible video tape all your belongings. Find a safe place to store your important documents, manuals, photos and videos, such as a safe, or fire proof box. You don’t know how important all this information truly is until you have sustained a loss and the insurance company is requiring the documentation.

Call us today. We will fully inspect your property and guide you through the stressful process. We offer a completely free inspection with no obligations.

 


 

 

Sinkhole Claims

 

sinkhole-2

 

Florida currently has the highest amount of sinkhole occurrences in the country. Sinkhole coverage is extremely difficult and in the state of Florida notice of the claim MUST be given to the insurance company within two (2) years after the policyholder knew or reasonably should have known about the sinkhole loss. The process is very complex and your insurance company may order a geological report to establish the cause of the damage. If a sinkhole is confirmed, your insurance company will be responsible for testing and repairs, less deductible.

Sinkholes are depressions or holes that form in the earth due to the collapse of bedrock underneath the soil. Sinkholes are very dangerous as they can develop suddenly and eventually cause houses, buildings, and roads to collapse. Damages to your property resulting from sinkhole activity can be anywhere from cracks on floors, pavement and walls including exterior walls, interior walls, decks, and driveways, small or large dents on the property, pool of water accumulating in uncommon areas and doors and windows don’t close properly when they use to.

Call us today. We will fully inspect your property and guide you through the stressful process. We offer a completely free inspection with no obligations.


 

 

Collapse Claims

 

repair-cracked-bathroom-floor-tile-800x800

 

Collapse is geological activity that can result in an abrupt collapse of the ground, a visible depression in the ground, structural damages to buildings, including the foundation. Usually these structures when found to be a safety hazard are condemned and an order to vacate is issued by the county. Structural damages can be an interior floor shift, foundation displacement, and significant damages to buildings may possibly result in collapse due to the instability of the ground.

Call us today. We will fully inspect your property and guide you through the stressful process. We offer a completely free inspection with no obligations.


 

 

Denied Claims

 

denied_stamp

 

 

More times than not we find insurance companies deny a covered loss. At times Insurance companies apply illegal tactics such as conducting unnecessary prolonged investigations and ultimately denying genuine claims. Don’t give up after a denial. Most policy holders with a valid claim who challenge a denied claim usually end up receiving a settlement payment. When your insurance company fails to pay a valid and legitimate claim in a timely manner it acts in bad faith. Don’t accept a denial without consulting with an expert and most definitely don’t allow the insurance company to get away with not paying you for your legitimate loss.

Call us today to assist you with this process and ultimately recover a fair settlement. We offer a completely free inspection with no obligations.

 

 

 

Supplemental and RE OPEN Claims

 

Many times policyholders are not aware that their loss has been underpaid by their insurance company. There is a deadline for you to reopen a claim.

(3) Years for Hurricane and Windstorm claims. Hurricane and Windstorm claims have a limitation of within three (3) years after the hurricane first made landfall or the windstorm caused the covered damage.

(2) Years for Sinkhole claims. Sinkhole claims must be within two (2) years after the policyholder knew or reasonably should have known about the sinkhole loss.

(5) Years on all other claims. Usually you have up to five (5) years to reopen your claim counting from the date of loss.

Don’t settle for less, if you feel you were not treated fairly with your claim or your insurance company underpaid you, call us today. We will fully inspect your property along with the denial letter from your insurance company. We offer a completely free inspection with no obligations.



 

 

Commercial Properties & Business Claims

 

closed-for-business-sign

 

 

Business Owner’s Policy (BOP) is an important policy for any business to protect and maintain its financial stability after a loss. Depending on your business needs you can find coverage for damages to your building, equipment, machinery, computers, inventory and loss of income which provides coverage to protect you should your operations be suspended resulting from a covered loss.

The process of presenting, negotiating and settling a business claim with your insurance company can be very complex. We will review your policy terms and conditions to determine whether the cause of loss is covered by your policy. We will complete a thorough inspection of the damages and document the necessary repairs needed. Business Interruption calculations are complex and need to be backed by data.

Call us today. We will fully inspect your business and guide you through the stressful process. We offer a completely free inspection with no obligations.


 

 

Loss of Use/Loss of Rent:

 

Loss of Use also known as "Additional Living Expenses" is for necessary expenses incurred after a covered loss. For example if your property is found to be uninhabitable due to a covered loss and your family needs to relocate to a temporary residence or a hotel until repairs are complete this coverage will cover the needed expenses to ensure your family maintains the same standard of living.

Loss of Rent known as "Fair Rental Value" reimburses the owner for loss of rental income during the time it takes to repair the damaged property after a covered loss. This coverage will pay the amount equal to what the owner could have received as rent payment.

Call us today. We will perform a complete inspection of the property and your loss. We work for the policy holder (you) and have your best interest in mind during the entire process. Fees paid to our office are made once we recover money for your loss. If we inspect your property and find no loss we do not collect a fee. If damages are found and you decide to hire our company to represent you we will receive payment based on a contingency basis, a percentage of the total amount recovered.

 

 

NO RECOVERY NO FEE logo_ace(786) 536-6560

 

 

What Is An Adjuster?

 

An adjuster is an insurance expert who evaluates your insurance claim and determines how much you should be paid for your property damage based on the evidence at hand. There are three types of insurance adjusters:

  • Company/Staff Adjuster: An adjuster who is an employee of the insurance company. Naturally, as an employee of the insurance company, they follow the guidelines set forth by the insurance company and looks out for the best interest of their employer “the insurance company”.
  • Independent Adjuster: An adjuster who may work for multiple insurance companies as an independent contractor, is hired by the insurance company. They also follow the guidelines set forth by the insurance company and looks out for the best interest of their employer “the insurance company”.
  • Public Adjuster: an adjuster who is licensed, bonded, and regulated by the state, who works only for the public, like you. A Public Adjuster has no ties with the insurance company, and as an expert is employed by you, it is in their sole interest to get “YOU” the maximum settlement possible.

 

Why Should I Hire A Public Insurance Adjuster?

 

Even in the most straightforward of claims, it is worth remembering that the insurance company will only pay out what they believe should be due to you, based on an evaluation by their experts, using their process and criteria. Insurance policies are long and complex documents that are continually changing and vary greatly from policy to policy and insurer to insurer. Even the most focused claimant may not be familiar with or fully understand the terminology used or all of the clauses and contractual conditions in even the most straightforward of insurance policies, putting them at a disadvantage when dealing with the insurance company, who wrote the document.

You may be owed more money than you think! Our team at ACE is not only closely familiar with the terminology and clauses in policy documents, but our staff is also extremely knowledgeable and experienced at determining the actual cost of returning your property to its pre-loss condition. While the insurance company will be looking for ways to interpret the insurance policy and circumstances surrounding your claim in their favor and at times in an attempt to deny your claim, we will be working to interpret it in your favor. We will always have your best interest in mind. Studies have shown that using a Public Adjuster usually results in a settlement that is 3-5 times larger than submitting the claim on your own and dealing directly with the insurance company.

ACE will ensure that property owners are comprehensively compensated for their damages and properly indemnified for their loss. The principle of indemnity is to restore an insured to their pre-loss condition. Most insurance companies never fully indemnify their policyholders in attempt to minimize their claim costs and ultimately please their shareholders.

It’s simply a matter of leveling the playing field. The insurance companies have their experts, why shouldn’t you have yours?

 

Will I Be Denied or Cancelled If I Hire A Public Adjuster?

 

Absolutely Not. A Public Adjuster is a licensed and insured professional. It is mandated by the State Legislature and regulated by the Department of Insurance. It would be a violation of your rights if any insurance company denies or cancels you based on hiring a Public Adjuster. Hiring a Public Adjuster is a right given to you by the State Legislature.

 

Can I Submit A Claim On My Own Without Any Help?

 

Yes, you have the right to submit the claim on your own without the help of a Public Adjuster. Will you have the same results? Absolutely not. It has been proven that a Public Adjuster can help you receive 3-5 times more compensation for your loss than you working directly with your insurance company.

A Public Adjuster is an expert at policy coverage, the claim process, inspections, the scope and details of the damages, preparing estimates, proving your loss and negotiating. Don’t let the insurance company fool you into thinking that you don’t need the help of a Public Adjuster or that they are going to put your interests before theirs. This is exactly what your insurance company wants you to do, because that way, they will always have the advantage of having an expert there to represent and protect their interest. You should be doing the same by hiring your own expert that will educate you, protect your interest, and get you the most for your loss.

Call ACE before you call your insurance company or a restoration company. The insurance company hires an expert to represent them and you should do the same.

 

Why Shouldn’t My Insurance Agent Take Care Of My Claim?

 

Your insurance agent’s specialty is likely in marketing insurance policies and not necessarily in preparing or filing claims. Also, many agents are paid an annual bonus when claims from their clients are below a certain threshold. Therefore it may present a conflict of interest for an agent to take care of your claim.

 

Will My Insurance Company Raise My Rates After Filing A Claim?

 

When insureds are affected by a large catastrophic event like a hurricane, insurance companies will raise their rates in that area, because the area would now be considered a higher risk to insure and that will result in higher insurance rates for you and everyone in the affected area regardless of whether you place a claim or not. Another reason your insurance company will raise your rates is when they automatically increase your coverage annually. Your insurance company is going to raise your rates regardless of whether you place a claim or not, regardless of how long you’ve been with them, or how loyal you are, and regardless of how good your relationship is with your insurance agent.

 

Will My Insurance Company Cancel My Policy For Placing A Claim?

 

Your insurance company can cancel your policy for several reasons that may include the following: Non-payment of policy premiums, misrepresentation and/or concealment of material facts, insurance fraud, failure to correct hazardous conditions, and reoccurring losses or repetitive claims for the same cause of loss (having three or more non-weather related claims in a 3 year period etc...). Your insurance company cannot cancel your policy for using the insurance for its intended purpose or as a result of you placing a claim for damage(s) to your property that is sudden and accidental and covered under your policy. It’s highly recommended that you hire a Public Adjuster to represent you before you submit your claim; you may say something that the insurance company will use against you to discredit your claim or reduce the amount of compensation you receive.

 

How Are Public Adjusters Paid? Do I Have To Pay Upfront?

 

There are no upfront fees! We are paid a percentage of the amount that is recovered for you. When the insurance company issues a payment we collect a percentage from all payments recovered which will be disclosed in your contract at time of signing. If we can’t recover for you and the insurance company doesn’t issue payment then you owe us nothing. No Recovery No Fee

 

Do I Need To Clean/Repair Everything Right Away?

 

No. You shouldn’t do any cleaning or repairs (except for protecting your property from further damage) before you’ve contacted ACE and before the insurance company has had a chance to inspect the property. Don’t throw anything away, including debris. If you clean it beforehand, you’re literally cleaning away evidence that could mean thousands of dollars in compensation that you would have otherwise been entitled to, especially if you have it professionally cleaned by a restoration company. Leave everything untouched and resist the urge to clean until the damage is assessed and documented by our expert adjusters and your insurance company’s representatives.

 

Can A Restoration Company Handle My Claim?

 

No. A restoration company cannot adjust your claim, only a licensed Public Adjuster can adjust your claim. The restoration company’s scope of expertise is professional cleaning, not insurance coverage. Only a Public Adjuster has the expertise to determine what coverage pertain to your loss and apply them accordingly. The restoration company is only concerned with one thing: cleaning and/or repairing the damages; since they are not insurance coverage experts, they will only be concerned with getting paid to do the cleaning and are not aware of every coverage that applies to your loss and will not be able to adjust your claim or get you the maximum compensation. Once you have hired a Public Adjuster to get you the maximum compensation that you’re entitled to, then depending on your loss it could be a good idea to hire a restoration company if needed, and only after you’ve received your compensation check, not before. You don’t want to get stuck with a $10,000 cleaning bill that the insurance company has refused to pay, so wait to get your check prior to commencing any cleaning or repairs or signing any work order contracts with a restoration company.

 

My Insurance Company's Payment Was Not Enough. Can I Re-Open The Claim?

 

Yes! We can re-open your claim. We can file a supplemental claim on your behalf, as long as it falls within the statute of limitation allowed by the State of Florida.

 

Insurance Company Denied My Claim.  Am I Entitled To A Second Opinion?

 

Yes. We can evaluate your claim to determine if there is any evidence or information missed or misinterpreted by the insurance company, and if so, we can re-open the claim on your behalf, presenting the documented information to them and insisting they reevaluate your claim. In our experience many denied claims can be subsequently settled with the insurance company, resulting in them paying out.

 

Is Smoke, Soot, and Ash Contamination Considered Damages?

 

Smoke, soot, and ash contamination is carcinogenic and is very harmful to your respiratory system, causing bronchitis and asthma-like symptoms as well as coughing and allergies, especially for infants, toddlers, elderly, and people with pre-existing respiratory conditions. Smoke, soot, and ash contamination is covered under your homeowner’s or property insurance policy as long as you can prove it…because the burden of proof lies on you, not your insurance company or their adjuster.

 

Does Rain Wash Away All The Smoke, Soot, and Ash Contamination From A House Fire?

 

Rain will not wash away smoke, soot, and ash residue. To properly clean the structure it must be pressure washed with a special chemical spray. Left untouched, the contamination will remain on your property for many years. The contamination remains on the structure and in your attic, insulation, drywall, clothing, furniture, drapes, curtains, carpeting, and other fabrics and textiles. Every time it rains, the smoke smell will be reactivated and that’s because it’s still there regardless of the amount of rain that falls on your property. Depending on your particular situation the affected areas may ultimately need to be replaced.

 

I’ve Cleaned My House, Can I Still Place A Claim For Smoke and Ash Contamination?

 

If you have done some regular household cleaning, you still haven’t completely removed the contamination. Unless you’ve had a professional cleaning company clean your home (inside and out), personal property, and clothing, you haven’t properly cleaned your home. Don’t tell your insurance company you have cleaned your home because their definition of cleaning (usually through a restoration company) is not the same as yours, and your insurance company will use your words against you, so be careful what you say to them. Although cleaning your house before the insurance company inspects your home is damaging to your claim, you probably have not cleaned it properly.  Be sure you contact a Public Adjuster to properly assess the damage prior to placing a claim and contacting your insurance carrier or doing any type of cleaning because your Public Adjuster will need to show the damage to your insurance company in order to prove your loss.

 

I've Got Mold, What Should I do?

 

Call us and we will complete an evaluation of your home and analysis of your insurance policy to determine if you have mold coverage. If you are covered and decide to hire our firm to process your claim we will document your loss and file your claim immediately with your insurance company. The most important thing to know is mold needs to be addressed immediately as it can be toxic and should be disposed of properly. Repair costs depend on how extensive the contamination is. It could cost thousands of dollars to take a room "down to the studs" to replace Sheetrock on walls and ceiling, plus carpeting, wood flooring and clean personal belongings.

 

 

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Educational Info

 

Understanding Mold

 

Mold is a type of fungus. Fungi is the term to use for molds, mildews, mushrooms, rusts, smuts and yeast. Molds or fungi can be found basically anywhere. It can can grow as long as moisture and oxygen are present. No one knows exactly how many types of mold exist but it is estimated to be in the tens of thousands to approximately three hundred thousand or more.  They produce millions of nearly invisible spores that can spread and become airborne. Mold can grow on wood, wall paper, walls, ceilings, carpet, tiles, grout, duct work, insulation, and foods. Mold grows when there is water damage, high humidity and dampness in a property's environment. This is why it is crucial to properly dry water damage immediately within 24-48 hours to prevent mold.

Hidden mold can be difficult to detect and can be found growing inside duct work, within walls and ceilings, in attics, under carpets and flooring.  The rule of thumb is if you see (1) one square foot of visible mold there's a high probability to find (10) ten square feet on the other side; hidden.  After water damage mold can be found in many places, and regardless of the color or species type, mold should always be remediated and removed following the accepted Mold Removal Guidelines. The color of the mold to the naked eye cannot tell you whether it’s toxic or not. With over one million species, mold comes in about any size, shape, and color, making it almost impossible to tell what type of mold you have without a proper microscope and lab test which should be performed by a qualified and certified mold specialist.

Toxic mold can come in many colors (not just black) and black mold is not always toxic. Certain conditions must be met for the toxins to be produced.

 

Health Concerns

 

Molds are known to produce allergens, irritants, and even toxins. Some people are known to experience a variety of health problems, such as mild or severe headaches, breathing difficulties, skin irritation, allergic reactions, and worsen the symptoms of asthma.

The types and severity of symptoms depend on the type of mold present, the extent of an individual's exposure, age, and existing conditions or allergies. The most vulnerable are children and the elderly along with anyone with a compromised immune system, such as people currently undergoing chemotherapy. Should your property contain high levels of mold it is best to properly seal all contaminated areas including AC vents and stay away from the contaminated environment.

 

Mold Remediation Experts and Third Party Vendors

 

It is important to ask for a detailed explanation and fully understand how an expert will handle the mold problem. Exposed areas need to be contained and HVAC system needs to be properly sealed.  Negative air machines and HEPA filters are placed in contaminated and contained areas affected. Mold experts wear respirators and protective clothing, during the process. 

Insurance companies hire third party vendors such as Contractors and Restoration companies in order to keep their claim costs down. Usually these vendors agree to do the required repairs for less than the usual market pricing using the lowest quality material possible. You are NOT obligated to use their vendors for any repairs to your home, although most vendors attempt to confuse property owners by tying them up to a contract. Do NOT sign any paperwork or contracts without consulting with an expert that represents your best interest. Most insurance companies will pay claims based on their vendor’s estimates. During the negotiation process our experienced Public Adjusters work hard to get the maximum compensation for your loss. 

Be aware during a large catastrophic event, such as a storm or hurricane, some contractors and restoration companies may solicit property owners into placing a claim on their own without any proper representation and get them to sign a contract to use their restoration company for repairs. We don't recommend hiring contractors and restoration companies to represent you with your claim as they are not knowledgeable about policy coverage nor licensed to do so.

Claims can be compromised by these individuals and you might find yourself not fully compensated for all the coverage that applies to the loss. An under paid claim can mean several thousands of dollars in compensation that may never be recovered because the contracting companies aren’t insurance policy experts. These companies will be paid for their work, even if they used cheaper materials and cut corners, and you in turn might not be fully compensated. The insurance company would be minimizing their claim payout and will NOT make you aware of this. This is why we recommend to get us on board to ensure you are fully compensated, and keep you educated about the entire claim's process. We work hard to recover the proper and satisfactory compensation for you. To give you complete control of the recovered funds so that you can request competitive bids from vendors of your choosing. Only you should have the right to choose the best vendor for the job as opposed to dealing with a vendor that has an arrangement with the insurance company which will only give you the bare minimum in their estimate and repairs.

Attorneys are also third party representatives that can be hired to represent your interest in litigation procedures against the insurance company; however, an attorney is NOT an insurance loss expert and doesn’t physically do an inspection on your property or prepare an estimate of the loss. They usually rely on hired contractors or even on your insurance company’s adjuster estimate; which can possibly lead to lower settlement outcomes due to lack of expertise in loss damages to the property. Attorneys are law experts, but not insurance loss experts. An attorney is not as familiar with all the different claims and scenarios as a Public Adjuster, who comes into contact with damaged properties and claims on a daily basis. It is not always necessary to get an attorney involved until it is time to file lawsuit usually after the initial claim is made, carefully documented by the Public Adjuster, and has been unfairly denied or underpaid by the insurance company.

 

Cleaning Up Mold Without A Professional

 

Should you be determined to handle your mold problem without any expert help, it is crucial that you understand the potential dangers.

First, figure out why you have a problem and fix the source before you clean up the mold. Mold requires water to grow therefore you need to eliminate the moisture source. Sources can include roof leaks, landscaping sprinklers, gutters which can direct water into or under a building, hidden plumbing leaks, HVAC leaks, or water heater leaks. Delays or lack of maintenance can cause moisture problems. It is your duty to perform or hire professionals to do routine inspections and maintenance of your property periodically.

Second, start to carefully cleanup. Dispose all debris in a sealed plastic bag for safety precautions. If you see mold growing on walls, carpets, floors or baseboards, etc., DO NOT rush in and start tearing off the materials. An improper attempt to remediate mold can create an even bigger problem. If you tear out without sealing possibly contaminated areas such as sealing up doors and HVAC vents without venting room air to the outside through a HEPA filter, without covering floor, walls and even the ceilings with plastic, and without wearing a powered respirator, you might be:

 

♠  Releasing millions of invisible spores into the air and into your ventilation system
♠  Exposed to a large dose of potentially toxic fungi
♠  Contaminating unprotected areas such as personal belongings
♠  Most importantly placing your family at risk

 
We recommend a professional for mold removal but should you decide to do it yourself please be careful and extremely cautious. Consider taking a class, do your research, talk to professionals and learn the right and wrong way before you begin!

 

Ways To Prevent Mold

 

♠  Repair leaks ASAP.
♠  Look for condensation and wet areas.
♠  Dry wet areas within 24-48 hours.
♠  Periodic inspections and maintenance to building, roof, gutters, plumbing and HVAC system.
♠  Maintain HVAC clean, change filters often and keep drip pans clean and unobstructed.
♠  Properly vent moisture generating appliances to the outside such as, dryers and range hoods.
♠  Maintain low indoor humidity, keep between 30-60%.
♠  Provide proper ground slope and drainage to keep water away from your foundation.
♠  Prevent condensation with insulation or increased air circulation.
♠  Clean showers and tubs often to prevent mildew growth.
♠  Keep closet doors open so air can circulate properly.
♠  Use fans to circulate air.
♠  Control moisture, increase ventilation (if outside air is cold and dry), or dehumidify (if outdoor air is warm and humid).

 

Don't Have A Mold Problem...How To Keep It That Way!

 

Mold will begin to grow in wet material within 24 to 48 hours. Therefore, any kind of leak or water intrusion should be stopped immediately. Areas that have been wet for longer than 48 hours, have a greater possibility of mold being present. You should proceed accordingly and with caution in areas that have sustained water damage, specifically if they have been wet longer than a week.

 

What Is Bad Faith Insurance?

 

Examples of an Insurance Company's Bad Faith Conduct:

♠  Wrongfully denies a legitimate claim with no basis
♠  Wrongfully claims your loss is not covered
♠  Unreasonably delays claim or payment
♠  Offers unreasonably low settlement unsupported by facts
♠  Fails to promptly or adequately investigate a claim
♠  Improperly interprets your policy language
♠  Ignores the facts of a loss and your rights as a policyholder
♠  Blames your loss on events other than the real cause of loss
♠  Advises you not to hire a Public Adjuster for representation
♠  Tries to settle for an inadequate amount and less than what is covered
♠  Making wrongful threats to drop your coverage or deny your claim

All too often, insurance companies fail to live up to their promises to policyholders, deny claims, undervalue the loss, downplay available coverage and ignore substantial evident facts of the loss.

Whether your insurance company wrongfully denied a legitimate claim, has delayed payment or has made an unreasonably low settlement offer, we are here to represent you and assist you in recovering what is rightfully owed to you.

 

Don’t Commit Insurance Fraud  

 

Remember to always be honest and truthful: an insured, or someone seeking insurance coverage, always needs to remember that even an innocent error or misstatement in an application for insurance or a materially false statement on any insurance claim form may be used as a basis to deny your claim. Always be truthful. You can face civil and criminal penalties for filing false claims or attempting to defraud an insurance company. Below are a few tips to ensure you act in good faith during your claims process.

 
♠  Always be honest. If you can’t remember something, be honest, there's nothing wrong with not remembering details or dates, but don't guess or make anything up.

♠  Don’t fabricate documents or receipts. If your insurance company is requesting documents you no longer have in your possession or have misplaced simply let us know in order to inform your insurance company. Insurance companies have access to a large data base system that provides them with all previous claim information from any prior insurance company.

♠  Denied claim: don’t open a “new claim” with a different insurance company for the same loss. This is considered fraud. The correct way to handle denials is to allow a Public Adjuster to review your loss and decide if you have a possible claim that can be resubmitted to the insurance company that originally denied you. We may be able to reopen a denied claim with your previous insurance company even if you no longer have the same company.

♠  Didn't receive sufficient payment on a loss, don’t open a "new claim" to recover the difference of what is owed to you. Insurance companies will know that you sustained a loss and will investigate fully the extent of the loss. They will contact your previous insurance company to request all documentation including photographs of your previous loss. If you have been previously paid for a loss and you feel you were not fully compensated you might be entitled to reopen the claim. We might be able to "reopen" your claim just as long as you are within the statutes of limitations set forth by the state of Florida, didn’t receive payment through an appraisal award nor have you signed a release of claim to the insurance company.

♠  Immediately repair all leaks in your property to avoid further damages. Leak repairs that have been prolonged for a length of time not considered reasonable will be denied by your insurance company. It is your duty not the insurance company's responsibility to maintain and protect your property. It would be misleading and defrauding an insurance company to open a new claim as a sudden occurrence for a leak that has been ongoing for example a year or two without the proper immediate attention to repair. On the other hand, if the leak was properly repaired at the time and you were left with residual damages arising from the leak you might be entitled to compensation for repairs.

 

STUDIES HAVE SHOWN THAT OBTAINING YOUR OWN
♠ PUBLIC INSURANCE ADJUSTER 
RESULTS IN ACHIEVING HIGHER INSURANCE CLAIM SETTLEMENTS

 

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A Public Adjuster Can Benefit Your Business

 

 

♠  Contractors 
♠  Electricians 
♠  Handymen 
♠  Plumbers 
♠  Realtors 
♠  Landlords 
♠  Management Companies 
♠  Law Firms

 

We can help your clients get maximum compensation for their loss.  Our services benefit contractors, plumbers, electricians and handymen, by ensuring that their clients are properly and fully compensated for damages sustained from a covered loss. If you are performing repairs for a client as a result of an insurance claim, we can help by negotiating a larger settlement for their damages. If you aren’t performing insurance repairs, we can review your client’s policy to find out if the repairs you are performing might be covered under their homeowner’s policy. Our expertise in understanding of your client’s insurance policy and how different coverage apply to the loss also helps your clients recover more from applicable coverage that might have otherwise been overlooked.

 

We can assist realtors with properties that have sustained damages. Your client’s property may have damage that’s preventing the sale of the property; this damage might be covered under your client’s property insurance policy. We can inspect the property, review the policy, and if the damage is covered and within the statute of limitations, we can assist your client in getting the needed funds to perform the repairs and make their property ready to place on the market.

 

We can assist landlords or management companies in getting compensated for damages caused by destructive tenants. Vandalism and malicious acts are usually covered under your landlord or commercial policy.  We can assist in getting you compensated for the repairs as well as reimbursed for loss of rent.

 

We assist law firms with their client's property loss. As loss consultants we document and photograph the damages. Prepare detailed estimates, coordinate and attend all inspections on behalf of the law firm with the insurance company's adjusters and experts. We provide attorneys with frequent consultations and assessment of the loss. With our expert assistance law firms are able to demand maximum compensation for their clients. 

 

Our firm can be hired by homeowners, business owners, and law firms. We do not receive compensation from any other source nor do we provide any type of compensation for referrals.   

 

 

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Documents

Needed to Process Your Claim:

 

Below we have provided a list of important documents which may be potentially needed depending on your individual claim and the circumstances involving your loss. Please have any and all the available documents in your possession that might apply to your loss for us to review on the day we initially inspect your property.

 

New Claims:

 

  • Declaration Page and Complete Insurance Policy
  • Insurance Company’s Correspondence
  • Driver’s License – All Named on Policy
  • Photographs of Loss/Damages – if available
  • Repair Receipts
  • Most Recent Mortgage Statement
  • Property Warranty Deed
  • Police Report – if applicable
  • Fire Report – if applicable
  • Rental Lease Agreement – if applicable
  • Wind Mitigation Report – if applicable
  • 4 Point Inspection Report – if applicable
  • Roof, Electrical, Plumbing or Building Permits – if applicable
  • Residential Appraisal Report – if purchased in last 5 years – if available
  • Previous Loss (Last 7 Years) – Estimates, Reports, Payments, Letters, Photos, Executed Release, Appraisal Awards, etc. – if available

 

Existing/Open Claims – Need the above including:

 

  • Claim Number
  • Date you contacted the Insurance Company
  • Date Insurance Company Inspected your Property – if applicable

 

Received Payment, But Are Not Satisfied:

 

Let us review your claim to determine whether you were properly compensated for your loss. Your previous payment might have been an underpaid by your insurance company.  Many times we find that insurance companies overlook important areas that need to be addressed.  Usually this occurs when repairs commence and hidden damages are discovered resulting in additional expenses. Once we have thoroughly reviewed your claim we can determine whether your claim was underpaid. We can reopen the claim on your behalf just as long as you didn’t sign a “Release” of claim or received an “Appraisal Award”. In order to review a previously paid claim we would need all the documents in your possession pertaining to the loss. For your reference above is a list of possible documents needed, in addition it is important if you can locate any of the following:

 

  • Estimates and Payments From Insurance Company
  • Previous Public Adjuster Estimate – if applicable
  • Photographs of the Loss/Damages

 

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Our Goal Is To Ensure Our Client's Satisfaction

We Built Our Reputation On Integrity and Professionalism

 

 

August 28, 2015

All Claims Experts came through for us when all hope was lost. We had a roof leak shortly after purchasing our first home. We first went to our insurance company, which was the biggest mistake we made. After months of the run around, they denied our claim. The leak continued to get worse, putting our family's health and safety in jeopardy. We then tried 3 different Insurance Adjusters. Two out of three did not think we had a winnable claim and the other was just incompetent. We went to the city we lived in for assistance with roof repair and after providing them tons of documentation they refused to help us in the end.

Frustrated and feeling we had no other options, we had to replace the roof completely. The roof replacement was extremely expensive and we could not afford to replace all of the damaged drywall that had to be replaced throughout the entire house. A year after our roof was replaced we were still without a ceiling. A neighbor recommended All Claims Experts. They said they were very professional and were able to get their claim and their family members claims paid quickly. I was reluctant from negative past experiences, but decided to try them.

From day 1 of dealing with them they were true professionals. They came out immediately to view our property and even though it has been years since our original claim, they took on the case. All Claims Experts walked us through the entire process of what we needed to do. They provided us with a list of reputable attorney referrals and were with us every step of the way, anytime of the day or night. They were there to answer any questions that we had and prepared for the process. They supported us without asking for a dime. They made it clear that they would not get paid unless we got paid. In the end they got us enough money to repay our loan for the roof, replace all of the damaged drywall, etc. All Claims Experts came through for us when we had lost all hope. I cannot thank them enough for their professionalism and care. We highly recommend All Claims Experts and would use them again and again.

Mrs. Lafond - Miramar, FL

 

 

May 28, 2015

I have had the distinctive pleasure of working with All Claims Experts, LLC on a couple of occasions in the past. Each claim was handled with the highest professional aptitude and expertise. I have always been able to rely on this Company’s performance and utmost integrity.

Based on my personal experience, I would highly recommend the services of All Claims Experts.

Respectfully,

Mr. M. Thorpe, Regional CFO – Miami, FL

 

 

May 22, 2015

It is with great pleasure that I write this letter of recommendation for All Claims Experts. We have been a client of All Claims Experts and have been very satisfied with their professionalism in handling our claims. All Claims Experts have shown genuine concern for our business and have been committed to keeping us moving in the right direction and handling our needs in a timely manner. We wouldn’t be more pleased with the decision we made to put our trust in All Claims Experts.

Sincerely,

Mr. M. Reyes, CFO – Miami Beach, FL

 

 

August 22, 2015

Before I contacted All Claim Experts, we had been turned down by other adjusters. They did not dismiss us quickly. They took the time to sit down with us, ask questions and investigate our case fully. All Claim Experts helped us from beginning to end; also helping understand terminology from our home insurance company. I recommended them to another friend who had a flood and once again it was successful. Thank you so much for your help.

Mrs. A.Zaldivar - Hialeah, FL

 

 

August 23, 2015

Thanks to the experts at All Claims we were able to navigate through the claim process with professionals by our side guiding us every step of the way. If it hadn't been for them the insurance company sure would have taken us for a ride. Many thanks, awesome job!

Mr. V. West - Miramar, FL

 

March 18, 2014

Thank you for taking the time to come up to Lake Land, I know you are based out of Miami and we truly thank you for your time.  Once you explained to my husband and I the reason why our damages weren’t covered by our insurance company we fully understood.  Unlike previous companies we called that kept giving us the run around without even taking the time to explain anything to us and without even looking at our house. I wasn’t sure if I was wasting my time contacting someone out of Miami but I was desperate and I called many companies from here and no one was interesting in even giving us their professional opinion.

We are extremely grateful for your time and it was a great pleasure meeting your adjuster we will save your business card for any and all future damages. 

Thank you,

 Mrs. M. Llanes – Lake Land, FL

 

 

 

January 16, 2014

We would like to express our sincere thank you for the professional way and honesty in which you handled our loss.   Last year we had the misfortune of suffering water damage in our home. Friends recommended us to use your company, All Claims Experts LLC, to handle our claim. We were very happy with the outcome of the claim.  We do not hesitate to recommend your company to anyone that has had the misfortune of a property loss.

Sincerely,

 Mr. & Mrs. Gonzalez - Miami, FL

Claims Process

 

1. To Start the Claims Process - Call Us: (ACE) All Claims Experts, LLC (786) 536-6560 - to set up an appointment. We will review your policy and complete a FREE inspection of your home or place of business in order to evaluate your loss and do a complete property damage assessment. In the event that we determine that you are covered for your loss under your property insurance policy, and you decide to move forward with a claim and choose to hire us, you will do so by signing our Public Adjuster contract. Our contract is brief, simple, and easy to understand. We will discuss all aspects of the claim process with you before you sign up with us. We make sure that you understand the process and we address any questions or concerns that you may have. By signing the contract, you are authorizing us to represent your interest with your insurance company throughout the claim process. The contract also states that our fee is contingent on a successful recovery; if we are not able to help you, there is no fee for our services. NO RECOVERY NO FEE

 

 

 

2. Inspection & Documentation: During our inspection, we thoroughly document the evidence seen throughout your entire property. We take detailed photographs of the property and the loss, careful measurements and a floor plan to document the condition of the property. We will review important factual information and collect further documentation from you to help us prepare an accurate estimate to submit to your insurance company.

 

 

 

3. Reporting Claim: ACE will file your claim with your insurance company.

 

 

 

4. Insurance Company Assigns Field Adjuster: Your insurance company will assign a field adjuster (insurance adjuster) which will inspect your property, evaluate the loss and review the claim. The adjuster will then complete a report and turn it in to the insurance company for review.

 

 

 

5. Property Inspections: ACE will coordinate with your insurance company an initial inspection and will meet with their adjuster at your property. We will schedule all inspections needed and we will be present to represent you during the inspections.

 

 

 

6. Property Estimates: ACE will prepare and submit a written estimate of your loss to your insurance company. This estimate will include a detailed inventory of your loss along with the estimated costs to repair and replace your damaged property.

 

 

 

7. Insurance Company’s Response: ACE's estimate will be reviewed along with the insurance adjuster’s report by your insurance company. At this point the insurance company might respond to your claim by requesting a second inspection of the loss with one of their experts such as an engineer, contractor, floor expert, etc.  Once reports are available your insurance company might propose a settlement offer or deny the claim.

 

 

 

8. Negotiating Your Claim: ACE will respond to your insurance company’s settlement offer negotiating the best settlement for you, as we always have your best interest in mind. We will always be in communication with you advising you on the status of your claim every step of the way. We work for you not the insurance company.

 

 

 

9. Reaching a Settlement to Finalize Claim: In circumstances where your insurance company’s settlement offer is substantially less than ACE’s proposed settlement offer, we will request that the insurance company pay the undisputed amount immediately while our experienced team at ACE continues to work towards a final settlement agreement on your behalf.

 

 

 

10. Payment: Once payment has been received we will take you step by step through the final part of the process. If you have a mortgage you will need to advise them of your loss and we will guide you through all the paper work to process your insurance payment securely and in a timely matter. It is our job to restore you to your pre-loss condition in a timely, stress-free, and professional manner. We thank you for choosing our firm and look forward to assisting you!

 

 

 What Should You Do?

 

What to DO and NOT to DO IN THE EVENT OF A CLAIM…

 

When it comes to insurance claims, not only are your actions important, but so are your words. What you say and don’t say also plays a critical role in the amount of compensation you receive, which is why it’s a good idea to contact our firm prior to any contact with the insurance company or starting any repairs. We have prepared a list of a few Do’s and Don’ts in order to help you get the maximum compensation that you are entitled to for your loss. There are several things that insureds and property owners need to be aware of before, during, and after the claim process. We have outlined some tips and pointers to help ensure it’s a smooth process from start to finish.

 

BEFORE YOU CALL YOUR INSURANCE COMPANY...

 

DO call All Claims Experts (ACE) to schedule an inspection and consultation PRIOR to calling your insurance company.

DO take photos of the damage and make notes of pertinent facts to help document the loss.

DO take temporary measures to prevent further damage. (Tarp damaged roofs, cover any openings, temporary and or minor plumbing repairs, shut off water valve to the bathroom, etc.)

DO keep all receipts and proof of expenses incurred as a result of the loss. Such as hotel receipts, groceries, gas, debit and credit card statements, hardware store receipts such as ACE Hardware, Home Depot, or Lowes, etc.)

DO set immediately any social network settings (example: Facebook, Twitter, Instagram, MySpace) you may have to “private” and limit access to only individuals you approve. Keep in mind the insurance company or defense attorney for the insurance company may at some point attempt to access your page in order to obtain information that bears on your claim. Be cautious, don’t post anything, whether it be photos or statements pertaining to your loss.

DON’T sign any work authorization contracts by any third party vendors or insurance company vendors except to board up the property if you are not able to do so yourself.

DON’T call the claim in yourself. Let All Claims Experts (ACE) do all the work for you in handling your claim’s process, this includes calling in the claim, filling out the paperwork, scheduling the insurance company inspections, providing them with an estimate, and negotiating the maximum compensation. We will be the intermediary and act as your representative throughout the entire process.

DON’T call your insurance agent for advice on placing a claim (YOUR INSURANCE AGENT SELLS INSURANCE - THEY DON’T HANDLE THE CLAIMS PROCESS); anything you say will be passed on to the adjuster and possibly used against you. Most people think they need to call their insurance agent to call in the claim, this is not true. You can place a claim directly with your insurance company. Your agent will usually try to discourage you from placing a claim for several reasons: they have the insurance company’s interest in mind; they might be trying to keep the loss ratio on their books of business low because it’s usually tied to bonuses, vacations, and other incentives; and it's the insurance company’s first line of defense in minimizing claims. Company agents represent the insurance company’s interest, not yours, because their obligation is to their employer; only independent insurance brokers are obligated to protect your interest!

DON’T do any clean up or repairs prior to inspection of the damages by your insurance carrier. We will need to document the damages and severity of the loss prior to any repairs being done. It is critical that the damage is left untouched until your insurance company’s adjuster has had a chance to do their inspection and scope the loss.  

DON’T throw anything away, even debris. The debris is evidence that is needed to prove your loss or the severity of your loss and needs to be kept in case it needs to be shown to the insurance company and documented.

DON’T buy everything in cash, it’s harder to track and prove purchases and expenses except with paper receipts, which are usually lost during the chaos. Be sure to use your credit card or debit card if possible, this way you can ensure everything gets documented. You can even use the statements to calculate your mileage for evacuation expense reimbursement.

DON’T do anything you aren't certain about until you contact All Claims Experts (ACE). With the exception of taking measures to "prevent further damage" to your property, leave everything intact until (ACE) and the insurance company inspects your loss. You will not be paid for damages that are not properly documented nor available for inspections.  Do not get the urge to cleanup and repair as this might have an adverse effect on the amount of compensation you receive to properly repair your property!

 

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(786) 536-6560