Miami Insurance Claims Process

The Miami insurance claim process can seem lengthy and complex. That is why in many cases you will need the guidance of a public adjuster to help you get the best settlement with the Florida insurance company. From our experience at Pro & Claim, we know exactly how the insurance claim process works. Would you like to know more? We will tell you!

It is important to remember that for a successful insurance claim process in Miami, it is vital to have an open mind to negotiate with the insurer. You also need to have the conviction to get fair compensation. At Pro & Claim, we can help you in this process as your trusted public adjusters.

Now, here are the steps to file an insurance claim in Miami:

How to file an insurance claim

Notifying the insurance company

You should contact your Florida insurance company as soon as possible to notify them of the damage to your property or vehicle in Miami. You must provide all relevant information, such as the date, time, cause, and extent of the damage. You should also send photos, videos, invoices, and any other documents supporting your claim.

Receiving the adjuster’s visit

The insurance company in Miami will send an adjuster to inspect the damage and estimate the cost of repairs or replacement. The adjuster is an employee of the insurance company and represents their interests, and may offer you a lower amount than you deserve. Therefore, it is important that you have the help of a public adjuster who will represent you and work hard to negotiate the most appropriate settlement. At Pro & Claim, we can be your allies.

Negotiating the settlement

Once the company’s adjuster makes you an offer, you can either accept or reject it. If you accept, you must sign a document releasing the insurance company from any future liability for the claim. If you reject it, you can negotiate for a higher amount or file a lawsuit if you cannot reach a satisfactory settlement. In this case, it is advisable to seek the advice of a Miami public adjuster.

Receiving Payment

If you accept the settlement or win the case, the Florida insurance company will send you a check for the agreed-upon amount. Depending on the type of insurance and the nature of the claim, the check may be made out to you or to your mortgage servicer or lender. In the latter case, you will need to follow the steps instructed by your servicer to release the funds and make the repairs to your property.
We hope this information helps you better understand the Miami insurance claim process. Do you need help filing an insurance claim in Florida? Pro & Claim works with the best public adjusters in Florida, contact us!