Filing a homeowners insurance claim in Broward County might seem straightforward, but small mistakes can lead to underpaid, denied, or delayed claims. A public adjuster can help you avoid these costly errors and make sure your rights as a policyholder are protected.
Here are the most common mistakes we see—and how to avoid them:
❌ 1. Delaying the Claim
Time is crucial. Insurance companies may deny claims if you wait too long after the damage occurs.
✔ Tip: Report your claim and contact a public adjuster as soon as possible.
❌ 2. Not Documenting the Damage
Photos, videos, and receipts matter. Lack of evidence can result in denied coverage.
✔ Tip: Take detailed photos immediately and save receipts for any emergency repairs.
❌ 3. Accepting the First Offer Without Review
Insurance companies often make low initial offers.
✔ Tip: A public adjuster can evaluate if the offer truly reflects the full cost of repairs.
❌ 4. Making Repairs Before the Insurance Inspection
Fixing everything too soon may eliminate key evidence.
✔ Tip: Wait for proper inspection or document everything before starting repairs.
❌ 5. Not Understanding Your Policy
Many homeowners are unsure of what’s actually covered.
✔ Tip: Your public adjuster can explain your policy in plain language and help you maximize your coverage.