About the Florida Claims Process

An insurance company's responsibility is one of indemnity; or to put the insured back in the condition that they were in prior to the loss.

A tiled roof partially damaged will require that all tiles, new and old, match. Whether you are a homeowner or business owner with an insurance claim, patch-worked roofs or multi-colored walls are unacceptable. If old roof tiles cannot be matched to the damaged portion, you should be paid for new tiles on the entire roof. This also applies to paint and texturing as well as personal contents unique to a design group of furnishings.

Your insurance policy is a contract between you and your insurance company. In the event of a loss, the policy's language will determine the actions to be taken. Unfortunately, what most business and homeowners discover when filing a claim is that policy language has a tendency to be ambiguous and cannot always be taken at face value. It is important to know that state statutes, administrative codes and case laws are changing almost daily and will ultimately determine the coverage written in your policy.

Interpreting the true meaning and what is and is not covered by your policy is the first step in compiling documentation for a loss. When you hire a Florida public insurance adjuster to represent you and your interests with the insurance company, your public adjuster will survey your property, testing for and identifying any hidden damages and utilize recognized vendors to compile accurate and reliable estimates to begin valuing your loss.

Once a thorough estimate has been completed, your public adjuster will arrange a meeting with your insurance company's adjuster to walk through the property, comparing estimates and negotiating the true cost of your repairs. Your ICH public adjuster will never settle the loss for less than you're entitled to and never without consulting you. After all, we work for you.