Bill Burbank PA

Hire the best! I’ll Get you the Maximum Insurance Payout

FAQs

FAST FACTS

“Public Adjusters may get insurance payouts up to 747% greater than the insurance companies’ original estimations. The insurance company’s initial compensation estimate was compared to the final settlement amount determined by the Public Adjuster.”
WHAT IS A PUBLIC ADJUSTER?
A Public Insurance Adjuster is a licensed and bonded insurance professional who advocates for the policyholder in appraising and  negotiating an insurance claim. I assist you with navigating through the complicated insurance claim process when you suffer an insured loss.
WHAT TYPES OF ADJUSTERS ARE LICENSED BY THE STATE OF FLORIDA?
There are three types of adjusters licensed by the State of Florida. Insurance Company Adjuster – is employed by an insurance company to represent the insurance company in dealing with your insurance claim. The insurance company adjuster’s main responsibility if to protect the interests of the insurance company. Independent Adjuster – is hired by insurance companies to represent them in dealing with you, your loss, and damages. The independent adjuster ’s main responsibility is to protect the interests of the insurance company. Public Adjuster – is the only Adjuster specifically licensed by the State of Florida to represent YOU, the Insured. The Public Adjuster ’s main responsibility is to protect you and your interests in claims against a loss with the Insurance Company.
WHY SHOULD YOU HIRE A PUBLIC ADJUSTER?
When it comes to insurance claims, you are responsible for proving your loss to your insurance company. Aside from attorneys, a licensed public insurance adjuster is the only entity licensed by the state to represent you, the insured. As a Public Adjuster, we handle all of the work regarding your claim. We have the experience, knowledge, and expertise to obtain the maximum entitlements under your policy. Our team of specially trained professionals understands insurance policies, endorsements, and forms, in addition to your rights as the insured. Our focus is on YOU. Our job is to represent you to the insurance company. Think of it this way: If you were involved in a legal matter, you wouldn’t choose to represent yourself. Instead, you would hire an attorney to represent you. The scenario isn’t all too different when it comes to insurance claims. It is important to remember the adjuster hired by the insurance company works to protect their interests while a Public Adjuster works ONLY for YOU.
HOW DO YOU KNOW IF YOU NEED MY SERVICES?
A consultation is free and without obligation. Please call me to discuss your claim and set up an appointment for a free detailed Estimate Report.
SHOULD I FEEL GUILTY ABOUT FILING A CLAIM?
No, absolutely not! You pay the insurance company to cover the loss of your property. That’s why you have insurance coverage. Your insurance company certainly doesn’t feel guilty when they receive your payments.
I PREVIOUSLY REPORTED A CLAIM AND/OR RECEIVED A CHECK. CAN I HELP YOU GET A FAIR SETTLEMENT?
If you feel a previous claim was underpaid, we will aid you in re-opening it and work diligently to get you a fairer, often bigger settlement. At no cost to you, I pay for an expert estimator to write a comprehensive Estimate Report covering in detail all of your damages at current material costs and labor rates to help you get you the maximum payment for your loss. You have three years from the date of the loss to re-open a claim.
HOW LONG DO I HAVE TO REPORT A LOSS?
In Florida, in most cases you have three years to report a claim from the date that the loss occurred. Each insurance company has provisions in their contracts regarding late reporting of claims that may make the filing of a claim that happened six plus months ago more difficult but never impossible.
Normal Timeline for the Insurance Claim Process

**EVERY INSURANCE COMPANY HAS LEGALLY 90 DAYS TO MAKE A COVERAGE DECISION AND ISSUE A
PAYMENT IF THE CLAIM IS COVERED – NOTE: MAJORITY OF CLAIMS ONCE PAYMENT IS ISSUED COMES
IN TWO CHECKS ONE BEING AN UNDISPUTED PAYMENT AND THE SECOND IS THE FINAL STATEMENT**

1. Our Client INTAKE information is received with your Insurance Policy information. After your insurance coverage(s) and damage details have been reviewed, we send you our contract and other pertinent documents to review and execute as well as schedule a convenient time for my inspection and the inspection from our expert Estimator. In most cases both inspections are performed at the same time. After we receive your signed documents, we will file your Claim and send our Letter of Representation to your insurance company. We are required to submit your Letter of Representation to your insurance company within 7 days from the date that you signed our
Services Contract. After our Estimator’s inspection, they will produce a detailed damage Estimate Report which includes a sketch of your dwelling with measurements, photos as well as current labor and materials costs to quantify your loss. This comprehensive Estimate Report is NO cost to you and is normally completed within 5 to 7 business days.
2. After you have reviewed and approved the Estimate Report, we will prepare and send you the required –Sworn Statement In Proof Of Loss (SPOL) Form to sign and have notarized. Upon our receipt of your signed SPOL form will submit it with the damage Estimate to your insurance company.
3. Normally within one week after your insurance company receives the SPOL and our Estimate they will have their Field Adjuster contact me to schedule an inspection with him/her to review the loss details at your property.
4. Once your insurance company’s inspection is completed, I will furnish any additional information needed to expedite your claim. During this time, I will frequently contact your
insurance company’s Desk Adjuster by email, letters, and phone calls regarding the status of the claim. In addition, your insurance company could also send any one of the following vendors to further investigate your loss. (Engineer, Plumber, Roofer, Leak Detection Company, or a
Contractor)
5. After all inspections are completed then the inside adjuster handling the claim will make a
coverage decision and if the claim is covered. I will negotiate and maximize a  settlement.On or before DAY 906. If the claim is covered and we reach an agreed settlement, the insurance company’s Inside Adjuster may draft up a release– which we try to avoid. If a release is required, then all of the insured names on the policy must sign and with their signatures notarized. Once the release is
executed you will send it back to me via email or mail so I can furnish it to your insurance company to issue payment.
7. Once payment is received at our office, we will endorse the check and it will be ready for pick-up at our office or we will mail it to you. At this time, you will issue a personal check to  Barclays Public Adjusters for our fee. We which we must receive your check at the same time or if mailed, prior to the release of your settlement check otherwise we cannot complete the check exchange. (Checks will not be deposited until your insurance check is cleared in your bank
account).
8. If you have a mortgage company, then they will be listed as an additional payee on the check. You must mail or go to a branch to have it endorsed.

CAN MY INSURANCE COMPANY DROP ME OR RAISE MY RATES IF I HIRE A PUBLIC ADJUSTER?
NO. You have every right under the law to hire a public adjuster and NOT be penalized for it.
WHAT ARE MY RIGHTS IN THE EVENT THAT THE INSURANCE COMPANY DOES NOT PAY WHAT WE FEEL IS ENOUGH MONEY TO SETTLE MY CLAIM?
Depending on your Insurance Policy terms and conditions, you have Appraisal and/or Mediation rights.
WHAT IS APPRAISAL?
The Appraisal clause in a Homeowners Insurance Policy stipulates that if you/we and the Insurance Company cannot agree on the amount of the loss, either party may demand an Appraisal.

In this Event, each party will choose a competent and impartial appraiser within 20 days after receiving a written request from the other. The two appraisers will choose an umpire. The appraisers will separately set the amount of loss. If the two appraisers cannot agree on the amount of damages, the disputed differences between the two appraisers go to the umpire (neutral).

The appraisal award must be agreed to by any two out of the three people involved in the appraisal. The three people involved in the appraisal are known as the appraisal panel. A binding appraisal award means the policy holder must accept the final award as well as the insurance company.

In general, an appraisal award in Florida cannot be overturned in a court, except for fraud or collusion between that appraisal panel.

Who pays for an Appraisal?
The policyholder and the insurance company each pay for the services of their own appraiser.

1. As part of the appraisal process an umpire must be selected, but not in every appraisal is the umpire utilized! Sometimes the two appraisers can agree upon the damages without the need to use an umpire.

2. If an umpire is utilized as part of the appraisal process?
o The policyholder pays for ½ the cost of the umpire (neutral) and the insurance company pays the other ½ of the umpire’s cost.
o Umpire’s fees average from $250.00 per hour to $450.00 per hour.
o Umpire fees depend on the complexity of the appraisal, residential or commercial loss, the size of the dispute, the qualifications of the umpire (claim export, contractor, engineer, retired judge) and the amount of time the umpire spends going to the loss and assist in the negotiation.
WHAT IS MEDIATION?
Mediation is set forth in the State of Florida Insurance Statutes. Mediation is the step between you receiving some compensation for your claim and you filing a lawsuit for additional compensation. A mediator (attorney) is appointed by the State within 30 days following the request by the insured. The mediator meets with the parties named in the insurance policy, your Public Adjuster and a representative from your insurance company. The mediator is trained to move both sides to agree on an amount thus avoiding lawsuits that could result in jury trials that could clog up the courts. Mediation meetings generally take less than an hour. Mediation is not binding unless all parties agree. Sometimes the mediation works, and we settle and sometimes it does not. All statements made and documents produced at a mediation conference shall be deemed to be settlement negotiations in anticipation of litigation. All parties to the mediation must negotiate in good faith and must have the authority to immediately settle the claim. Mediation is nonbinding; HOWEVER, if a written settlement is reached, the policyholder has only three (3) business days within which to rescind the settlement. If the policyholder has cashed or deposited any mediation settlement payment the three day period to rescind is extinguished. If a settlement agreement is reached and is not rescinded, it is binding and acts as a release of all specific claims that were presented in the mediation conference. At the conclusion of the mediation, the mediator shall provide a written report of the results of mediation, including any settlement amount, to the insurer, the policyholder, and the policyholder’s representative if the policyholder is represented at the mediation.

Who pays for Mediation?Your insurance company.The chance of not settling any case is less than one in one hundred. Insurance companies avoid going to trial at all costs because of bad faith damages that can be awarded against them. We have several attorneys that we have worked with for a long time that specialize in plaintiff representation against insurance companies. If we have an impasse and cannot agree on a fair settlement amount, the insured has the final remedy of filing a lawsuit. We always do our best to settle your claim without using litigation!
HOW MUCH DOES A PUBLIC ADJUSTER CHARGE FOR THEIR SERVICES?
We charge a small percentage of the settlement for the services provided to you. We are not paid until you are paid. There are no upfront fees for our services. In the event of a declared emergency by the Governor’s office, the fee is 10% for any claim made in the first year after the date of loss. The normal and maximum percentage that a public adjuster charges in the State of Florida for a non-emergency claims is 20% of the paid claim amount.

Source: Office of Program and Policy Analysis and Government Accountability (OPAGGA)

I normally get my clients 6 to 10 times more than the payment they receive from their insurance company!

I only get paid – if you get paid for your Claim!

If we are unsuccessful in obtaining a settlement for your Claim, then you don’t pay us anything!

“The only way for carriers to make money, if they are not collecting enough on premiums, is to reduce payment of claims.”

Source: Insurance News/Jeffrey Gould – Person of the Year distinction from The National Association of Public Insurance Adjusters

HOW DO I GET STARTED?
Call Me at 561-662-2777
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