Claims

Not all policies are created equal

Insurance companies are restricting coverage’s every year as well as requiring more compliance from the homeowner or business owner. What may have been covered last year may not be covered this year. NEVER provide a recorded statement unless you speak with a public insurance adjuster or an attorney first.

Fire Claims

Depending on the severity of a fire an insurance carrier may have adjusters, engineers, salvage buyers, personal property specialists, special investigation unit personnel, attorneys, general contractors, etc., representing them during the claims process. All of these representatives will either work directly for the insurance company or be benefiting from their relationship with the carrier. They often miss thousands of dollars of recoverable damages that is due the policyholder. Who will be looking out for your best interest? 2ND OPINION PUBLIC INSURANCE ADJUSTERS will handle the procedures, meetings, estimates, and other demands so you can expect the most benefit from your policy and move on with the repairs as quickly as possible.

Water Damage Claims

A water damage claim is the most common type of claim and can easily cause a devastating financial loss. What you may consider a small leak, may have actually caused substantial damage. To dry out a home or business it can cost tens of thousands of dollars alone. Water will settle into all areas of a home and can be missed by an improper or hurried inspection by the insurance company representative. 2ND OPINION PUBLIC INSURANCE ADJUSTERS will determine the exact extent of the water infiltration & damage, and repair costs necessary to process your claim properly so that you can expect the most benefit from your policy and move on with the repairs as quickly as possible. Please do not accept the insurance companies denial or settlement of your water damage claim unless you get a 2nd Opinion from us.

Mold Claims

Mold is the silent intruder and can cause severe health problems. It is generally what you can’t see because it is hidden behind the walls that will cause the most problems. Your policy should have coverage up to $10,000.00 or more. However, many times this valuable coverage is improperly denied by the insurance company or not even considered when it should be. Additionally, thousands of dollars of damages may be missed by an improper or hurried inspection by the insurance company representative. At 2ND OPINION PUBLIC INSURANCE ADJUSTERS we work with mold mitigation experts so you can expect the most benefit from your policy and move on with the repairs as quickly as possible.

Wind and Hail Claims

Any amount of damage to a roof caused by wind or hail needs to be immediately addressed as delays could result in leaks and a denial. Even though there is a life expectancy to each roof depending on the type of shingle installed, an insurance company will generally try to have it repaired when it may not be a viable consideration or whether the end result will match. Many times, the policy allows for a full replacement even if the roof is very old and the damage appears minor to the untrained observer. Insurance companies will use their favorite engineers to inspect the roof and write up an assessment. Please do not allow this practice to bully you into accepting a roof repair or denial of coverage. 2ND OPINION PUBLIC INSURANCE ADJUSTERS will have a seasoned inspector inspect your roof for damage and will represent your interests if we disagree with the insurance company. Remember, we will get you a settlement or our efforts are free.

Sinkhole Claims

Everyone reads about the sudden large hole that swallows up the yard or a home. But a more common type of sinkhole that the insurance policy covers is called a subsidence sinkhole. They can often cause small hairline cracks that show up on the exterior. A small crack here and there, a nail pop in a drywall, a sticking window, a sudden depression in the yard, all may require further investigation. Again, generally an insurance company will utilize their favorite engineers to do an inspection and many times they are wrong in their interpretation of their readings. At 2ND OPINION PUBLIC INSURANCE ADJUSTERS, we will be happy to inspect your damages and then discuss your options with you.

We Can Help With Your Claim

To have one of our public insurance adjusters in Orlando come out and inspect your water damage claim, or any other type of claim, please contact us as soon as possible!

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