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Do you know your rights?

Homeowner Claims Bill of Rights

The Homeowner Claims Bills of Rights relates to the insurance claims process. Outlined in s. 627.7142 Florida Statutes, listed are your rights and responsibilities as a homeowners insurance policyholder.

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your rights

  1. Your insurance company must send you an acknowledgement of your claim within 14 days after you submit it.
  2. Within 30 days of submitting a Proof of Loss Statement, your insurance company must send confirmation that your claim is either:
    1. Covered
    2. Partially Covered
    3. Denied
    4. Being Investigated
  3. Within 90 days of submitting a claim you should 
    1. Receive full payment 
    2. Payment of the undisputed portion of your claim or;
    3. A written denial 
  4.  If your claim is;
    1. Not denied and you do not receive full payment within 90 days
      1. Your insurance company must pay you full interest
  1. Caused by damage from a sinkhole and covered in your policy
    1. You may be eligible to participate in DFS’ Division of Consumer Services
  1. To resolve your disputed claim;
    1. You may be eligible to participate in mediation by DFS’ Division of Consumer Services
  2. Interest;
    1. Accrues on the date you filed your claim is paid and continues until your insurance company issues repayment
    2. Of the payment is due when the claim or undisputed portion is paid

your responsibilities

  1. File all claims directly with your insurance company
  2. Contact your insurance company before entering into a contract for repairs to ensure you adhere to the repair provisions included in your policy 
  3. Document necessary emergency repairs to prevent further damage before any repairs
    1. Keep damaged property 
    2. Keep receipts
    3. Take photos/video
  4. Read the contract that requires you to pay out-of-pocket expenses or additional fees based on percentage of insurance proceeds
  5. Confirm your contractor is licensed in Florida
    1. You can verify a contractor’s license for complaints by calling the Florida Department of Business and Professional Regulation 
      1. (860) 487-1395 
      2. Www.MyFloridaLicense.com
    2. Ask for references
    3. Require proof of insurance 
  6. Take precautions if the damage requires you to leave your home including;
    1. Securing your property
    2. Turning off gas, water, electricity
    3. Contacting insurance company and provide phone number
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what we do for you

represent you in getting a full and fair settlement from your insurance carrier.

ADJUSTERMAN is a Florida Licensed Public Adjuster company that works for property owners, never for insurance carriers.

Filing an insurance claim is never easy. You are better off relying on a professional like Adjusterman as this recent Oppago Report (10-06) shows.

ADJUSTERMAN Public Adjusters have the technology and experience to prove the full scope and value of your covered loss.

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testimonials

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Do Whatever You Can To Stop The Damage From Getting Worse, Then Call ADJUSTERMAN, LLC Right Away!

Originally I was reluctant to hire a public adjuster, probably for all of the same reasons you may or may not be. However I am so glad that when I did hire one, I chose Adjusterman Public Adjusters! Michael is knowledgeable, shows urgency and is very efficient and diligent at getting things rolling within your claim! He always made himself available to answer all my questions and concerns…and trust me I had a lot of them! My claim was very complex….Today I say thank you Adjusterman for helping us to get the money we deserved which was much more than the insurance company had originally offered. Don’t hesitate, call Adjusterman today to help you get what’s yours! Trust me, he knows how!
Robin
I called Adjusterman after a water leak incident in my house. Not only did he drop his plans to come and check out the issue he also advised me that I may have been misguided by the plumber I had previously called on the severity of the issue so he introduced me to a plumber that properly diagnosed my plumbing leak, that saved me $6000. If it weren’t for me calling Adjusterman Public Adjusters I would have never found a good plumbing company that would have really fixed my issue. I hands down recommend you call him for any issues you may have even if you are not sure if it could be a claim to your insurance, he is an honest person who will guide you properly.
Karen
I have used Adjusterman for two separate claims and he was absolutely outstanding for each of them. Michael is the man you want fighting for you - he did not give up and settled my claims MUCH faster than I ever dreamed. He assessed the damage, handled all details, and continued to communicate with me throughout the process. If I ever require an adjuster in the future, he will get my call without a doubt!
Dana
Love Adjusterman! Not your typical cookie cutter type PA. Really cares for his clients. Honestly, loved his sense of humor and amazing good will. Thank you
Sandra
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want to know more?

frequently asked questions

A public adjuster is a professional claims handler who represents the insured/policyholder in their insurance claim. Licensed public adjusters are required to prove competency in a variety of ways; written examination, experience time frames, and background checks.

 

Adjutserman will help you by saving your time and money! He is an expert in negotiating the settlement of a claim or claims for your loss or damage. 

Simply, Adjusterman will …

  • Use sophisticated software to perform an independent evaluation of your loss.
  • Gather highly detailed claim information that can be challenging for you to gather on your own. 
  • Log and submit initial and supplemental claims on your behalf.
  • Help you negotiate with contractors and insurers.
  • Call Adjusterman for more information! 

There is no wrong time to request assistance from a public adjuster! Often, a public adjuster, like Adjusterman, will find that an individual’s loss estimate is too low. Adjusterman will help you make the most out of your claim!

Adjusterman makes filing your claim easy!

Use our claim submission form, or call us at (954) 588-2160.

We’ll ask for details such as claim type, availability, and a brief description of the issue to get your claim moving.

Once you’ve submitted your claim, Adjusterman will work with you to save your time and money!

Adjusterman is no stranger to difficult situations. He’s handled claims from fire damage to vandalism, hurricanes to water damage, business interruption to divorce, and more.

See below for a complete list of claims Adjusterman has battled:

Fire Claims
Business interruption Claims
Hurricane Claims
Commercial Claims
Exoitc & Luxury Car Claims
Homeowners Claims
Marine Claims
Mold Claims
Water Damage Claims
Broken Pipes Claims
Cast Iron Claims

Don’t see what you need here? Send us a brief description of your situation and what you are needing help with, and we’ll have one of Adjusterman’s trusted sidekicks reach out to you!

If you have a question about your claim, come to us! Adjusterman and his sidekicks will give you the help you need in understanding your claim.

You can contact us by calling our main number at 954-588-2160 or by emailing documents@adjustermanllc.com.

While Adjutserman takes to the skies and helps those in need, our headquarters and team of sidekicks can be found in Northeast Florida at 1682 N.E. 33rd St., Suite #1 in Oakland Park. Call us, write to us, or knock on our door! We are here to help.