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Hiring a public adjuster for your insurance claim is no different than hiring a plumber for a leak, or an electrician for a spark, or a mechanic for your car.

A Public adjusters works on behalf of the individual insurance policyholder. Homeowners and business owners hire a public adjuster to represent them. Including the process of submitting a complete claim for all the damages they have suffered. Monitoring the claims process. Negotiate with the insurance companies for all acceptable claims payment, and closing the insurance claim to its completion. 

Can I prepare my own claim?

Yes you can. Be prepared to explain all aspects of your loss and to understand your Insurance policy. You may need the assistance of your insurance agent. You may need to spend hours do things such as test and document moisture content and mold in walls and floors. It may cost you more in time and money than hiring a public adjuster to do it all for you. We are not all experts.

You’ve got someone working on your own side when you hiring a public adjuster.

Your insurance carrier often sends out an adjuster to deal with your claim. Bear in mind, they work for your insurance company and not for you personally. They are on the lookout for the insurance company to pay you the smallest amount for your insurance claim. The public adjuster you hire is on your side. They work your insurance claim to get you the maximum claim payout. 

How does your public adjuster get paid?

They earn a small portion of your claim of not more than 20%. That’s a Florida state law. Even so, a public adjuster usually get you a much greater payout. So much more that the public adjuster’s fee has no impact. Far more money than if you simply accepted your insurance company’s offer on your own. Hiring a public adjuster to represent you also gives you the peace of mind. Why, because you have a professional on your side. 

Public adjusters handle insurance all types of insurance claims. Like claims associated with fire damage, flood, hurricane damage, smoke, mold, water damage, and everything your insurance policy covers, be it for your home or business.

For example, if your business has experienced a reduction, your missing business income can also be included on your claim. 

Evaluating and submitting an insurance claim on behalf of a policyholder is very complicated.

Public adjusters concentrate on assessing and understanding insurance policies, and they are experts at filing and handling all types of insurance claim forms. They frequently have strong experience in evaluating property damage and losses. More often than not, the policy owner only see the damage on the surface. An experiences public adjuster looks deeper to discover all the collateral damages associated. For example, looking at water damage to wood flooring from a broke pipe, you may overlook the water from the small roof leak that contributed to it.

Remember, it won’t cost you anything to find out if RAM Claims Adjusting can assist you!

If you’re searching for the best adjuster in the greater Miami & Fort Lauderdale area call RAM Claims Adjusting. Our adjusters have decades of experience dealing with all types of homeowner, association, and business insurance claims.

We are your resource.

Whether you are our customer or not, please consider calling RAM Claims Adjusting for a free policyholder review. We do this as a public service because we really want to take care of all our neighbors. Learn if your home and business insurance policy covers you well in our greater Miami and Fort Lauderdale area.

Natural disasters that impact south Florida can happen at any moment. Our climate changing drastically every year. Floridians will encounter non-typical weather events. This is why reason RAM Claims Adjusting urges people to be responsible. To a have an insurance policy the insures your property well. Don’t consider your insurance coverage as a poor investment or waste of money. You never know if or when calamity can reach against home or business.

Most individuals do not understand what’s written in their insurance policy.

They don’t have the time or the skill to comprehend the complex process of how to submit an insurance claim to get you a significant settlement. It’s not part of your insurer’s job to completely comprehend the amount of your loss. That burden is all yours. RAM Claims Adjusting is always on your side. We are licensed Florida Public Adjusters. As your representatives, we will fully investigate your claim to get you the maximum payout.  

• FREE home inspections
• FREE Insurance Plan analysis
• Greatest payout for your damage insurance claim
• Expert negotiation of your claim
• Claim settled quickly and efficiently

Don’t wait, call today to take advantage of All the benefits that come with utilizing our Florida licensed public Insurance Adjusters.

Don’t allow a catastrophic loss stop you from protecting your home.

Residential insurance claims apply to condos, townhouses, duplexes and single family homes. In Florida this makes up the majority of insurance losses.

Water damage is the number one insurance claim in South Florida. If left unchecked, water damage can wreck your house if it is not repaired quickly and properly. In worst cases, water damage can contributes to a complete gutting of the inside of your house as mold and rust can do irreparable damage to floors, walls and ceilings.

Or, …why RAM’s Claim it the Right Way Strategy is so important?

Beware: Many public adjusters see their jobs as a numbers game. They’re insurance claim flippers. Just get in and get out. Their strategy is to overstate the damages. This public adjuster maximizes their earnings by filing as many claims as they can, as fast as they can.

This is not in the best interest of the homeowner. You should never work with any public insurance claims adjusters who are rushed or make you feel rushed to hire them. Claim flipping is unfortunately a common practice among lesser public insurance claims adjusters.

RAM Claims Adjuster’s Claim it the right way strategy gets more money for the homeowner. RAM goes beyond the first indication of property damage. We seek other associated causes. These causes often reveal other damages for the whole total loss picture. RAM includes all the damages we discover into the claim. By maximizing all the collateral damages, a reasonable and far larger honest claim can be processed to cover the total loss. RAM can deal with all types of insurance claims. Ask us any question.

We don’t see the insurance companies as the bad guys. Our years of working positively with the insurance Company’s Adjusters has developed into a relationship trust. They know when RAM files an insurance claim, it’s an honest claim. They know not to waste their time nitpicking a RAM claim.

The Claim it the right way strategy uses our exclusive process:

1. Inspect the property:
   RAM Claims Adjusters will investigate the damage, cause, origin and everything necessary to prove it. We will document the total loss with the specific policy guidelines from the policyholder’s insurance company.
   
   Our state-of-the-art tools include:
   • Thermal video camera to detect damages inside walls, ceiling, roofs, windows and doors.
     
   • Moisture detectors to test for water damage to drywall, laminate flooring, wood floors, and other water damage.
     
   • Laser measuring devices.
     
   • Digital cameras.
   • Laptop computers
   • Ladders & Levels
   • The same software to calculate damage valuations that every insurance company uses.
     
2. Free RAM Policy Review Program.
   We will study your insurance policy to verify all the conditions and exclusions. Then we will know all the types of claims it will cover, and if it applies to the policyholders specific damage. You hay have full replacement cost coverage! At this point we will answer the question:
   
   …is worth it or not to make a claim.
   
   Save money and get better coverage for your home and business.
   RAM Claims Adjuster’s are homeowner and business property insurance policy experts. We can advise you what changes you may consider in your policy so that you could possibly pay a lower premium for better coverage. This is our free community service.
   
   
3. Prepare an estimate for repairs.
   RAM uses the latest in technology to prepare your claim. We know how your insurance company will respond to your claim because we use the exact same technology. They can’t surprise RAM. Our negotiations with your insurance company is faster and with a better outcome for the homeowner.
   
   
4. RAM represents you during the whole process.
   WE WILL BE THERE every time the insurance company schedules a visit to inspect or reinspect your property, even if they fail to show up!
   
   WE WILL REPLY TO EVERY LETTER they send you. Our intention is to provide you with Class A concierge service. There is absolutely no inconvenience to you. Leave it all to RAM; we control the whole process for you. 
   
   
5. Maximize your settlement.
   We’re very good at negotiating claims. Getting you paid in full the first round of negotiations with your insurance company. Even in the rare occurrence your insurance payout is less than satisfactory RAM will continue working until we collect what you are totally owed.

We help individuals, businesses, and associations like:

We help with all types of damage insurance claims like:

What is the value of hiring a public insurance adjuster? Hiring a claims adjuster sets you on an even playing field with your insurance company.

Hiring a public adjuster may be the best choice.

In a home property damage disaster, your insurance company may assign three different adjusters to work on your own claim: one for extra living expenses, one for your property and furnishings and one for the building portion of your claim.

An experienced Florida public adjuster will be able to clearly describe the process and work on your behalf:

• Attend all the meetings
• Handle all the telephone calls
• Managing all the Emails
• Manage all the paper documents
• Handle all the negotiations
• Settle your insurance claim
• Get the maximum amount for your total loss

The policyholder can get on with daily life and leave the insurance adjusting to their public adjuster.