Tips For Negotiating The Best Settlement With Your Insurer

Tips For Negotiating The Best Settlement With Your Insurer

Did you recently get into an accident and are worried that you may get ripped off when it comes to your settlement? What if we told you that the experts at Mutual Claims Services are here to make sure that you get the most money back? We are here to help with insurance claim. When it comes down to it, we are the best public adjuster Miami has to offer.


Let Us Deal With It

Most homeowners aren’t experts at dealing with insurance companies, initiating a claim or negotiating insurance claims. Typical homeowners only ever have to make one or two major insurance claims – if any. Fortunately, there are plenty of tips, tricks, and strategies you can use to help negotiate the best settlement with your insurance claims adjuster and make sure that you are fully paid for all of your property damages, even if you’re a complete beginner.


Our Tips to Help With Insurance Claim

  • Make sure it is in your best interest
    • Your home insurance premiums will likely increase after you file a home insurance claim. In many states, you can expect premiums to jump anywhere from 15% to 30% after a single home insurance claim. Because of these higher premiums, it may not be in your best interest to file a home insurance claim for ‘incidental’ incidents. Home insurance companies call small home insurance claims ‘incidentals’. These claims will raise your premiums just like a larger claim, but they’re relatively minor problems.
  • Read over your entire policy
    • Most homeowners don’t have expert knowledge of their home insurance policies. You might have a basic understanding of your home insurance coverage, including what’s covered and what isn’t. But your insurance contract has plenty of fine print that can cause your claim to be denied or underpaid if certain items are excluded in your policy language. Read your policy after an incident before you make a claim. Negotiations with your insurance company are easier when you’re well-prepared. Check your policy for specific sections governing your latest incident – like a section on flood damage or wind damage.
  • Get an insurance inspection with our public adjuster Miami
    • Your insurance company might calculate a repair estimate in a different way than other parties. After you file a claim, an insurance company adjuster will arrive at your property to assess the damage. Sometimes, the insurance company might claim it will only cost $10,000 to repair your water-damaged flooring when in reality, it’s going to cost $20,000 from any local contractor. So you may need to be prepared with how to respond to a low settlement offer.


Call The Best Public Adjuster Miami has to Offer

You need an expert for help with insurance claim. Experts put the importance of knowing what kind of settlement you want at the top of the list. This amount will come from the review of your insurance policy, receipts and other documentation which backs up your claim. When it comes to getting the compensation you need for flood damage. We have you covered. It does not matter if you already filed the claim, we know exactly how to reopen it. You can trust our water damage Miami experts. We also have all the homeowner’s insurance claims process information you need to get the money to cover all your losses. Trust us to get you the water damage insurance claim you deserve. Call or visit Mutual Claims Services today.

The Difference Between A Public Adjuster & Independent Adjuster

If you’ve ever filed an insurance claim or are currently in the process of filing a claim, you know how complicated and often difficult the process can be. This is why it’s so important to inform yourself regarding exactly what you can do in order to receive the best settlement and be compensated like you deserve. If your home or business has suffered significant damage, the first thing you will want to do when it comes to the insurance claims process will be to figure out who is on your side and can help you get through the process the most smoothly. This is where you may need an insurance adjuster. If you are considering an adjuster to assist you with your property damage claim, you may be confused about the difference between a public adjuster and an independent adjuster. While the namesakes may be confusing, the professional roles that these two types of adjusters play in the claims process are quite different. Read on to learn more about the difference between the two and how they can help your claim. Mutual Claims Services is a top public adjuster Miami residents trust. Call us today for assistance with your insurance claim!


Independent Adjusters


The name “independent adjuster” can be quite misleading for civilians outside the insurance industry.  Independent adjusters function as anything but independent in the scheme of your claim, as they work under contract for an insurance company. The job of an independent adjuster is to look out for the rights of the insurance carrier you are trying to get a fair settlement from, and they represent the insurance company they are contracted to. An individual insurance policyholder cannot contract an independent adjuster to work on their behalf, as the overall stated goal of independent adjusters is to promote the general welfare of the insurance industry, not for individuals. Insurance companies pay these adjusters to adjust the claim in their favor. Independent adjusters hold licenses that only allow them to work for insurers, and the license is not valid to work for an insured. Insurance firms keep in-house staff adjusters and/or contract with independent adjuster in order to investigate and handle certain claims.


We are A Top Public Adjuster Miami Residents Trust


On the other side of the equation, public adjusters are licensed to work for only policyholders. 44 states and the District of Columbia currently have a statutory and/or regulatory setup for licensing public adjusters. This type of adjuster works only for policyholders and are not affiliated for insurance companies or also work for insurance companies. Public adjusters can be hired  by claimants to document, expedite, and file their claim, as well as to assist them throughout the complicated claims process. You hire a public adjuster to help make sure that the initial appraisal of residential or commercial property by the insurance property is accurate for the damage sustained for your property damage claim.


Contact Us Today


When it comes to your property damage claim, Mutual Claims Services is a public adjuster Miami residents rely on. Call us today to get the compensation you deserve!

A Guide To The Role & Requirements of Public Adjusters

A Guide To The Role & Requirements of Public Adjusters

If you need to file a claim with your insurance company in order to recomp damages that have occured to your home or business, you may feel stressed out. After all, you don’t just have to handle the stress of the damages- there is also the stress and burden of the claims process. This is where a public adjuster can be extremely helpful in order for you to go through the least amount of hassle on your property damage claim and make sure things come out fairly. So what exactly is a public adjuster, and how can a public adjuster help you with your insurance claim? Read on to learn more. Mutual Claims Services host public adjusters Miami FL residents trust. If you have hurricane insurance claims or other property damage claims, call us today for a consultation.


What is a Public Adjuster and What Do They Do?


A public adjuster is defined by the Insurance Information Institute as “an independent insurance professional that a policyholder may hire to help settle an insurance claim on his or her behalf.” There are three main types of insurance claims adjusters. The first type are staff adjusters who are employees of the insurance company, the second are independent adjusters who (contrary to their name) are independent contractors contracted to insurance companies, and the third are public adjusters who are employed by the policyholder. While your insurance company will probably send out one of their adjusters at no charge to assess the damages of your claim, keep in mind that they work for the insurance company and will want to save the company the most amount of money. On the other hand, a public adjuster is totally separate from insurance companies and you can hire a public adjuster independently in order to function as your personal advocate in order to assist you in receiving the full amount to which you are entitled. The role of a public adjuster is to advocate for a policyholder and assist with interpreting, evaluating, and negotiating an insurance claim. They help to free up the claimant from the settlement process so that the claimant is able to focus on other things than, for example, hurricane insurance claims.


We Are Public Adjusters Miami FL Trusts


The license requirements for public adjusters can change for each state, according to the U.S. Bureau of Labor Statistics. While some states have fewer regulations, others hold lengthy processes such as graduation from a specific education program and passing an examination. Continuing education is generally a requirement to maintain a state license. Communication and math skills are general job requirements for public adjusters, and as clients rely on public adjusters to get the job done, they must be able to be assertive and persistent in order to figure out the actualities of a claims case.


Contact Us Today


Public adjusters play a major role in making sure that you get a fair settlement in the case of hurricane insurance claims and other types of property damage claims. We at Mutual Claims Services are public adjusters Miami FL residents trust. Call us today for a consultation!

Will A Property Claim Increase Your Insurance Rates?

Will A Property Claim Increase Your Insurance Rates?

Before you make a property claim with your insurance company, it is important to know whether or not your insurance rates will spike. Mutual Claims Services in Miami can help. We are an insurance company who understands the complexity of a property damage claim, and we know what can happen when you make a claim. To learn more about us and how we can help you, contact us at Mutual Claims Services today or visit our website.


Making Small Claims


Many people use their homeowners insurance at every instance they can. They report everything from small water damage to a stolen laptop to a crack in a window. The fact of the matter is that these small claims can actually add up and make your insurance premiums even more expensive. Given enough of these small claims, your insurance company may even cancel your policy.


The important thing to remember is that your homeowners insurance is not something that you should use for maintenance of your home. While there is no single answer to how much your premiums may increase or how many claims it would take for your policy to be canceled, you should still be careful.


The amount that your premium could rise is also dependent on the type of claim that you are making. For instance, premiums could rise by 14% if it is a liability claim but only 2% if it is a weather claim. Additionally, fire, theft, and vandalism usually average out at 13% while hail and wind are around 6%.


The other factor that could come into play is the actual location of the claim. Some states average at a much higher rate when someone makes their first claim than other states. For instance, in Texas, there is legislation preventing insurance companies from raising premiums after the first claim. However, in other states, there may not be such provisions in place. Other factors, such as severe weather, can also have an impact.


Use Insurance for a Large Property Claim


The best thing that you can do is to save your property damage claim for only the big, important things that need to be taken care of. Try to take care of the smaller things yourself. This saves you money in the long run and will allow you to use your insurance for something truly important when it does come along.


Want to Learn More About Filing a Property Damage Claim? Contact Us


FIling a property claim can be a confusing task, but we at Mutual Claim Services in Miami can help. We have worked with many clients in the past to get them their claims filed properly, and we can do the same for you. While not everything that happens to your home needs to be submitted, we can help you sort through and determine which claims you need to be paid out. To learn more about what we can do for you or to learn more about property claims, contact us at Mutual Claim Services today.

The Difference Between a Public Adjuster & An Attorney in Insurance Claims Cases

The Difference Between a Public Adjuster & An Attorney in Insurance Claims Cases

If your property or business has sustained damage in a natural disaster or any other kind of catastrophe, there is generally a series of steps in order to claim financial compensation for the assets that you have insured and lost. The process of filing a claim with your insurance company is rarely straightforward, and in many cases policyholders end up having to negotiate extensively with their insurers to prove the cause and extent of the damage that has occured in order to retrieve the compensation insurance has promised them. This means not only many inconveniences while waiting for your property to be repaired, but also a lot of time and stress spent. Hiring a public adjuster or an attorney can help make the process go more smoothly and save you a lot of stress. However, they play different roles, and understanding exactly what each one can do for you is important in making the right decisions moving forward in a property damage claim. Mutual Claims Services in Miami is a public adjuster Florida residents trust. Call us today to schedule a free initial consultation!

An Insurance Attorney Versus a Public Adjuster

Your insurer’s interests and your interests are directly competing in an insurance negotiation. Even if you have paid your premiums on time for many years, and stuck to the terms of your policy, your insurer will still try to get the better end of the business deal. Following a filed claim, the insurance company will send their own representative to assess the damage, devalue the claim, and recommend a settlement that is generally fairly low. It’s important for policyholders to have someone on their side who understands the complicated process to examine the evidence and interpret the policy. A public adjuster and an insurance attorney play different roles. An insurance adjuster is a licensed professional who specializes in the preparation of insurance claims and helps you estimate more accurate repair or replacement values and helps you evaluate your insurance policy. They tend to come in at the start of a property damage claim, and charge clients on a contingency fee basis where they want to recover as much money for you as possible, since they are paid with a percentage of the funds he recovers for the client.

We are a Public Adjuster Florida Residents Rely On

While an attorney is able to provide many similar services as a public adjuster, an attorney able to legally negotiate with and file a lawsuit against your insurer. This is because most states do not let public adjusters to directly negotiate claims, so they tend to play more of an advising role to help you realize the value of the compensation you deserve. In order to move forward with your claim, it is necessary to hire an attorney for potential litigation.

Contact Us Today

In the case that you are filing a property damage claim, you will want to at least bring an insurance adjuster onboard in order to figure out exactly what the insurance company owes you. Mutual Claims Services in Miami is a public adjuster Florida residents can rely on. Call us today to file your claim!

What It Takes To Be An Expert Public Adjuster

What It Takes To Be An Expert Public Adjuster

If you’ve ever used a public adjuster or know someone who has you know how beneficial they can be to policyholders when they’re trying to file a claim and get reimbursed for damages. This may be why you’ve thought about getting your adjuster license. Before you do that it’s important to understand exactly what a public adjuster does and the process involved in getting the license. Once you’ve completed the licensure process, you can get a job working for companies like Mutual Claims Services in Miami. Becoming a public adjuster Miami can be a good career option considering the number of large claims that are processed due to the severe weather of the area.


Getting An Adjuster License

Before deciding to follow the path of becoming a public adjuster Miami it’s important to understand what exactly they do and what is involved with getting your license.


Public adjusters are an additional resource for policyholders to ensure they get the best results from their insurance claims. Individuals and businesses have insurance policies to help protect them against the possible damages that can occur. Now it’s important not to mix up an insurance adjuster and public adjuster. It is the insurance adjuster’s job to manage a claim and make sure that the insurance provider does not overpay for the damage. On the other hand, the public adjuster is completely on the side of the policyholder. It is their job to make sure that the holder receives everything they deserve and don’t end up losing out. They help to make sure that the full benefits of the policy are paid out and any roadblocks to payments are quickly removed. A public adjuster will usually only work on claims that are $10,000 or larger because the policyholder is the ones who pay them directly.


Becoming a public adjuster is fairly easy. The only uniform requirement is that you need to have at least have a high school diploma or GED. However, the most successful adjusters get their bachelors degree as well. Also, most people who become a public adjuster have worked for an insurance company in the past.


  • Get a Bachelor’s Degree: Typically companies like to hire candidates that have a college degree. The degree can be in any field you choose, but if you have a specific industry in mind, it’s helpful to select a concentration related to that. Another reason to get an undergraduate degree is clients tend to have more confidence in public adjusters who have one. Since most public adjusters are self-employed, it’s important to build customer confidence and relationships through things like this.


  • Check state requirements: Licensing requirements change from state to state. Because of this make sure you check over the guidelines for the state or states you want to practice in.


  • Get experience as an insurance adjuster: Public adjuster do a lot of the same work that insurance adjuster do just on the opposite side so getting some experience working for an insurance provider could make you more of an expert in the field.


  • Get your license: If your target state requires a license, this would be the point to start doing prerequisites for that. Some of the requirements may be course work, professional experience, passing an exam, or a combination.


  • Get a Senior Professional Public Adjuster Certification: this program is designed to provide adjusters with the technical knowledge needed to be a successful public adjuster. To be in this program candidates have to complete four foundation courses and pass an ethics exam.


  • Join Local and National Organizations: Joining professional organizations for public adjusters is a great way to network and grow your knowledge of the field.


Contact Us

Mutual Claims Services can provide you with a Public Adjuster Miami that could help you understand what goes into obtaining an adjuster license. We also specialize in making sure our clients’ insurance claims in the Miami area are settled as quickly and as stress-free as possible. Call or visit us today to find out how we can help you!