Public Adjusters Can Help with Boat Damage
There is nothing fun about paying insurance bills every month, but as a boat owner, insurance is essential. Insurance offers a layer of financial protection against significant boat damages. Unfortunately, most insurance companies are known for doing everything possible to avoid paying out on insurance claims. Therefore, having your boat damage claim delayed, underpaid, or denied, is a worst-case scenario. Luckily, public insurance claims adjusters can help you handle claims for damage on your boat. Our public claims adjuster in South Florida offers the following information on the job of a public adjuster and how they can assist you with your insurance claim.
What a public adjuster does.
Public adjusters are different than insurance adjusters because you hire them to work on your behalf. An insurance adjuster is paid by and works for your insurance company. A public adjuster can help with getting a more significant settlement on your behalf if your boat has experienced a loss. It is generally wise to seek the advice of a public adjuster before calling your claim into insurance. Because boats are expensive property items, damage claims tend to require larger settlements. This fact makes it highly likely that your insurance company will do its best to find ways to avoid paying you the total amount of your loss.
How a public claims adjuster can help you.
You enter into a legal agreement with an insurance company when you purchase insurance. The way this agreement works is that you are required to pay a fee monthly, so if something happens with your boat that is covered explicitly within your contract, your insurance company will pay the boat damage cost. As with many agreements, unfortunately, several exclusions and conditions exist. Your insurance will use these exclusions and conditions to get out of paying a settlement on your claim if they can. Most policyholders generally accept anything their insurance company tells them because they are not fully trained to understand the agreement independently. This is where hiring a public adjuster can benefit you with your boat damage claim. Similar to an attorney, public adjusters are trained in interpreting the language of insurance agreements. Fortunately, public adjusters don't work for your insurance company and can help interpret insurance agreements in your favor. Therefore, it is wise to seek the advice of a public adjuster to assist with getting the best settlement for your claim to recover any repair costs because fixing boat damage is costly.
Tips for receiving a larger settlement from your claim.
The way your insurance claim is presented to your insurance company is extremely essential, which is why it is crucial to seek the advice of a public adjuster before filing your claim. For example, the reason behind boat damage must be sudden and accidental for a claim to be covered. A public adjuster can use the correct language to show sudden and accidental damage to your boat to help ensure your boat damage claim is not denied.
Contact us today to hire a public claims adjuster in South Florida. We are here to make the claims process easier so you can get on with your life.
