Florida Loss Public Adjusters, Inc. - State License# E109802 |

(954) 430-7333

As a homeowner or business owner in Florida you might wonder whether filing an insurance claim for damages not caused by you will result in increased insurance premiums. This concern is entirely understandable, especially when dealing with unforeseen property damage. In this blog post, we will discuss how filing a claim might impact your insurance rates, and why hiring a Public adjuster like Florida Loss Public Adjusters can make a difference in your claim process.

How Claims Can Impact Your Insurance Rates

Insurance companies determine your premiums based on their assessment of risk. While a claim that’s not your fault may not significantly increase your rates, it could still have some impact. Multiple claims within a short period, even if not your fault, can make you appear as a high-risk client to insurance companies, potentially resulting in higher premiums.

Working with a Public Adjuster like Florida Loss Public Adjusters can help you navigate the insurance claim process more efficiently and protect your interests. Public adjusters are licensed professionals who work on your behalf to negotiate with your insurance company, ensuring you receive a fair and accurate settlement for your claim. They have in-depth knowledge of insurance policies and claims processes, making it easier to present your case and avoid   potential pitfalls.

Benefits of Hiring a Public Adjuster

  1. Expertise: Public adjusters have the experience and knowledge to assess your property damage and ensure you receive the maximum compensation for your claim.
  2. Time-saving: Handling an insurance claim on your own can be time-consuming and stressful. Public adjusters take care of the process for you, allowing you to focus on your home or business.
  3. No upfront fees: Public adjusters typically work on a contingency fee basis, meaning they only get paid once they get you paid/once you receive your settlement.

While it’s not guaranteed that your insurance premiums will increase after filing a claim that’s not your fault, it’s essential to understand the factors affecting your rates. Working with a Public adjuster like Florida Loss Public Adjusters can help ensure a smooth claims process and protect your interests, ultimately reducing the risk of any negative impact on your insurance rates.

If you’re in Fort Myers, Cape Coral, Venice, Pembroke Pines, or any of the surrounding areas and require assistance with your home or business insurance claim, please do not hesitate to reach out to Florida Loss Public Adjusters for a FREE consultation. We’re here to help you get the settlement you deserve!


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(954) 430-7333