COMMERCIAL CLAIMS
PICC,COMMERCIAL PUBLIC ADJUSTER
COMMERCIAL INSURANCE CLAIM ADJUSTER
Your business is unique, and that’s why it deserves individual and personal attention – especially when it comes to an insurance claim. When purchasing your commercial insurance coverage, your agent may have been able to answer questions regarding how the policy worked.
However, if and when the time comes for filing a claim, you won’t be working with your agent, but rather an adjuster. The adjuster that is sent to inspect the damage will typically work for the insurance company – not you. That’s why you should call us first. We don’t work for the insurance company – we work for you in getting the insurance settlement that you and your company deserve.
What is Commercial Property Insurance Claims?
Commercial property insurance claims are a type of insurance claim made by businesses to cover damages or losses to their commercial property. This can include physical damage to the property itself, such as from a fire or flood, as well as theft of business equipment or inventory.
Commercial property insurance claims can also cover lost income if the business is forced to close due to damage to the property. In order to make a commercial property insurance claim, businesses must first have a commercial property insurance policy in place. This policy will outlines the types of damages and losses that are covered by the policy, as well as the limit of coverage.
When making a claim, businesses will need to provide documentation of the damages or losses, as well as any repair or replacement costs. Commercial property insurance claims can be complex, so it is important to work with an experienced insurance agent or broker to ensure that all necessary documentation is gathered and that the claim is properly filed.
Our full staff at People’s Insurance Claim Center offers a wealth of experience and expertise when it comes to presenting and supporting our clients with Business Income, Business Income Loss, and Commercial Property Claims.
Here at PICC, we have a team of highly experienced experts that consists of licensed adjusters, forensic accountants, contractors, and attorneys that will help you with all of the details hat are related to maximizing your claim settlement – and not just settling for what the insurance company would have offered to you.
Commercial claims losses are usually a very difficult and agonizing experience for a business owner. They can require an attention to detail in which there are many exclusions, limitations, and co-insurance penalties – details that can oftentimes work against you. In our experience, many business owners are not familiar with their insurance policy, and because of this, they are often under insured – or not insured at all.
If you don’t have your own valuations to your loss, you could be subject to those of the insurance company. These may not be enough to provide you with all of the funds that you need in order to fully restore your commercial property.
At PICC, we are a public adjuster. Therefore, we represent you, the policy holder. Not only will we handle and maximize your claim, but we will also serve to be a risk analyst for you prior to a loss occurring. We are here to guide and represent you from the beginning to the end. We handle a wide variety of commercial claims, including:
20
Years in Business
100,000
Successfully Settled Claims
+
32
Years of Experience
PICC, Commercial Claims Adjuster
TYPES OF COMMERCIAL CLAIMS WE HANDLE
Commercial Property Insurance Claims FAQ's
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What services do public adjusters in Miami offer?Public adjusters in Miami offer a variety of services, including: Investigating and estimating losses Advising clients on their rights and options Negotiating with insurers on behalf of clients Preparing and filing insurance claims Representing clients in court proceedings, if necessary
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How do I find in Miami ia reputable public adjuster?You may need the services of a public adjuster in Miami, Florida if you have suffered a large loss and need help negotiating with an insurance company. Keep in mind, however, that using a public adjuster comes at a cost. You should carefully weigh the costs and benefits of hiring one before making a decision.
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How do I know if a public adjuster is licensed in Florida?In most states, public adjusters must be licensed by the state insurance department. You can check with your state insurance department to verify that a public adjuster is licensed in your state.
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Will my insurance company pay for the services of a public adjuster?Most insurance policies do not cover the cost of hiring a public adjuster. You will likely have to pay these costs out of pocket.
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How can I avoid being scammed by a public adjuster?There are several things you can do to avoid being scammed by a public adjuster, including: Checking the public adjuster's license Asking for references Getting a written estimate of all fees Avoiding public adjusters who solicit business door-to-door or through mass mailings
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I think my insurance company is using a lowball estimate to settle my claim. Can a public adjuster in Miami help me?If you believe your insurance company is using a lowball estimate to settle your claim, a Miami public adjuster can help you by: Investigating your loss Determining the true value of your claim Negotiating with the insurance company on your behalf
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What is a public insurance adjuster?A public insurance adjuster is a licensed professional who represents the interests of policyholders in insurance claims negotiations with insurance companies. Public adjusters work for a fee, which is usually a percentage of the settlement amount.
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Do I need a public adjuster in Miami, Florida?You may need the services of a public adjuster in Miami, Florida if you have suffered a large loss and need help negotiating with an insurance company. Keep in mind, however, that using a public adjuster comes at a cost. You should carefully weigh the costs and benefits of hiring one before making a decision.
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How do I find in Miami ia reputable public adjuster?There are several ways to find a reputable public adjuster, including: Asking family and friends for recommendations Contacting your local Better Business Bureau Checking with professional organizations, such as the National Association of Public Insurance Adjusters (NAPIA)
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How much does it cost to hire a public adjuster in Miami, Florida?Public adjusters in Miami, typically charge a percentage of the total settlement amount, which is usually between 15 and 20 percent. Some public adjusters may also charge an hourly rate. You should get a written estimate of all fees before hiring a public adjuster.
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I'm not sure if I should file a claim with my insurance company. Can a public adjuster help me?A public adjuster can help you assess your situation and decide whether filing a claim is in your best interests. Keep in mind, however, that public adjusters typically only get paid if a claim is successful. Therefore, they may be more likely to encourage you to file a claim than to give impartial advice.
