Having sustained damage to your home or business as a result of a storm or other incident, your instinct may have been to contact your regular contractor in order to have a professional on site to assess the damage and estimate the cost of repairs. Now that he is on the scene, your contractor may have indicated he would be happy to handle the paperwork and communicating with the insurance company on your behalf. This is a big red flag for several reasons, and you should advise the contractor that his sole responsibility will be completing the repairs to your property. Lets look at why a contractor should not be assigned the additional task of handling your insurance claim.
First, it is against the law for anyone to assist you with any part of the claims process without possessing the proper license. Even if your contractor also happens to possess a valid Public Adjuster license, he would be disqualified from completing any of the repair work should you engage his services as a Public Adjuster. This illegal conflict of interest is clearly spelled out in Florida State law, and allowing your contractor to proceed with both the repairs and handling of your insurance claim could certainly throw a wrench into the works for you down the line, perhaps even invalidating your claim entirely.
The illegality of your contractor functioning as your adjuster notwithstanding, his area of expertise lies in the repair process and not the claims process. While he may have handled a few insurance claims for himself in the past, this hardly makes him an expert in the field. A reputable, licensed Public Adjuster with multiple years of experience is far better equipped to handle your insurance claim than even the most seasoned contractor. At People’s Insurance Claim Center, we have decades of experience dealing with the insurance companies that serve South Florida, and we know exactly how to defend your rights when negotiating with them. A contractor may be able to prepare a detailed repair estimate, but he would quickly find himself in over his head when it came down to the legal ins and outs of communicating with the insurance company.
All any property owner is interested in after experiencing a loss to their home or business is getting their life back to normal as quickly and painlessly as possible. Allowing your contractor to handle both the repairs to your property as well as the insurance claims process may seem like a simple and appealing solution for you. Make no mistake, this is an illegal practice on the part of your contractor and could end up costing you dearly should the claim be invalidated due to his malpractice. Here at People’s Insurance Claim Center, we are properly equipped to handle your insurance claim from start to finish. Call us today at 305-956-3666 so we may provide a free claim analysis, letting you know up front exactly what we can do for you!
If your home or your business has suffered a loss, please call our experts at (305) 956-3666 or visit www.piccfla.com for a FREE claim analysis with PICC.
We will make sure you get what you deserve from your insurance claim for your property damage