Residential Claims

East Coast Public Adjusters offers adjusting services for residential properties (home owners) throughout South Florida. (We are able to help home owners throughout the state and in several other states as well, but our focus is primarily on Miami-Dade, Broward, Palm Beach and Monroe Counties.)

If your home has been damaged and you need to file an insurance claim, a whole chain of events, deadlines and tasks are created. Most people have not been through this process before and the lack of experience can make this a very daunting process. Depending on the size and scope of the damage, you may even have to find temporary housing for you and your family while your home is properly secured, re mediated and renovated. We can help with all of this.

The claims process involves numerous meetings and phone calls with your insurance company, their adjusters and various contractors. In addition, you would have to spend hours upon hours creating an inventory list of everything in your home that was lost or damaged. This list must include the cost of each item and the current replacement cost for each item. All this time that you would have to spend formulating this list is time away from your life… your family, friends, job, etc. Imagine trying to think of EVERYTHING in your home right now. How much harder would this be after the trauma of a loss? Wouldn’t you rather spend your time after a loss being able to get back to your routine so you can focus on moving forward and let someone else be concerned with taking all the steps to get things back to the way they were before?

We haven’t even talked about depreciation, whether items should be repaired or replaced, preparing and submitting proper paperwork for your additional living expenses. There are lots of ways that insurance companies will try to get you to accept the less expensive option (i.e. repairing or cleaning an item instead of simply paying you to replace the item.) East Coast is fully prepared to protect you from these short pay tactics.

Homeowner – After a Loss Occurs

The best time to call East Coast is immediately after a loss has occurred. If you haven’t reported your claim, no problem! We can and will report it for you. If you have already filed, once you hire us we will notify your insurance company and let them know that we are now representing you and that all communications should be directed through our office.

Whether your insurance company has already sent an adjuster (remember, the adjuster they send works for them… not for you. WE work for YOU) we will schedule a meeting with the adjuster to inspect the damage and assess the situation. We will also write our own estimate to rebuild and repair.

Next, we will negotiate with your insurance company to get the maximum possible settlement amount (the biggest check possible) to cover your damages and the cost to rebuild to pre-loss condition.

Settlements are NEVER accepted without your consent. We will be there to help you make the best decisions regarding the settlement so that you won’t feel like you are ever leaving money on the table. As we say, “don’t settle, for less!”

If your policy includes coverage for ALE (additional living expenses) and you have been forced into temporary housing as a result of your loss, we will help you get reimbursed for those expenses as well.

Finally, our loss draft department will see to it that your check gets processed (from the insurance company, to you, to us to your mortgage holder and then back to you) as quickly as possible. It’s important to remember that life doesn’t always work like it does on TV. You can’t just snap your fingers and have your insurance company at your door. Mayhem around the house will always be there, whether you are in good hands or not. You really want to make sure that you have East Coast Public Adjusters in your corner to make sure that your claim is properly documented and filed. You should be sure to keep originals (or copies) of all documents and receipts regarding your residential insurance claim.