South Florida Insurance Adjuster
Settling Property Damage Insurance Claims
in Broward, Miami-Dade and Palm Beach
Get Help with your Property Damage Insurance Claim Today:
The Insurance Claim Process
Review Insurance Policy
As your public insurance adjuster, I am licensed by the Florida Department of Finance and Office of Insurance Regulations to represent your interests as the insurance policyholder in the event of a loss occurrence such as fire, water, hail, wind, hurricane and mold. I will conduct a complete review of your 30-page homeowner or commercial property policy to determine the actual coverages you have paid for in order to properly advise you on your best course of action. Based on deductibles and damage extent, there are times when you should and should not file an insurance claim.
Investigate
As your public insurance adjuster, I will conduct an independent onsite investigation of the property damage at your home or business. I’ve been wind appraisal certified and hold a Florida Advanced Windstorm Umpire Certification. I’ve also taken the National Flood Insurance Course and have been certified in both mold remediation and roof inspections. I use several modern instruments of the trade including two moisture meters and an infrared camera to determine the true extent of water damage as well as mold growth.
Estimate
As your public insurance adjuster, I will compile a detailed and complete estimate of the damage to your home or business. My estimate will feature an itemized expense for all areas damaged during your loss occurrence with true value price estimates for what it will take to properly restore each and every cabinet, window, tile, and more. In the event, your lower cabinets are old and can’t be matched I’ll include my recommendations to replace all of the cabinets. This aspect of my job is one of the most important in helping you reach a fair settlement to actually restore your property back to its original state.
Negotiate
As your public insurance adjuster, I will provide my findings to your insurance carrier and then serve as your advocate during the negotiation process with them. Often insurance providers try to settle with partial payments, or deny claims entirely. My job as your public insurance adjuster is to stay engaged with your insurance provider and continue negotiations with them until a fair settlement is reached on your behalf.
You Get Paid
As your public insurance adjuster, I will represent you from start to finish through the entire insurance claims process to ensure you receive your fair insurance claim settlement check in a timely manner. I am paid a small percentage of the total settlement amount which means my services are provided to you upfront and at no additional cost to you. As a result of my involvement, my clients typically receive much higher settlement payments that more than cover full repairs as well as my fee.
From The Office of Program Policy Analysis & Government Accountability (OPPAGA)
“Policyholders with Public Adjuster representation typically received higher settlements than those without public adjusters. Policyholders filing catastrophe claims in 2008 and 2009 generally received larger insurance settlements than policyholders who did not hire these persons. The difference in payments was larger for claims to 2005 hurricanes, with public adjusters resulting in payments that were 747% higher.”
Source: Office of Policy Analysis and Government Accountability, January 10, 2010
Download: Oppaga Study
Advocate Claims Public Adjusters
Settling Property Insurance Claims in the State of Florida
Florida Public Insurance Adjuster, Steven David Venook has been serving policyholders throughout the state for nearly two decades, and maintains an A + Rating with the Better Business Bureau. Steven has represented hundreds of Florida policyholders through the insurance claims process including local homeowners, condominium associations, commercial property owners, and property managers in Broward, Miami-Dade and Palm Beach Counties.
If you experience property damage of ANY kind to your home or commercial property, contact Steven Venook, your Florida Public Insurance Adjuster at 954-978-0886.
Call Us First and Gain the Advantage from the Start
954-978-0886
Steven David Venook, President, Advocate Claims Public Adjusters
