Common Sense Tips for Hiring the Best insurance appraiser for You

OK, so you’ve made the decision to hire a Florida Insurance Appraiser. Most likely, if you’ve experienced major damage (like fire or smoke damage) or been caught up in extensive damage from a windstorm, then you probably searched out several Insurance Appraisers. Like any business, all appraisers are not created equal. They have different experience levels, handle different types of claims and have various levels of experience with different insurance carriers. Screening for appraisers that have experience handling your type of claim dispute and most importantly that you are comfortable turning your claim dispute over to should not be taken lightly. Always remember that you are the client and do not be intimidated by high pressure tactics or industry lingo. If you’re uncomfortable with someone, there is probably a good reason for it. So it’s just as important to trust your intuition.

Consider the following criteria when hiring a Florida Insurance Appraiser:

Make sure your insurance appraiser is experienced in his field and they have been appraising claims for over a decade (We have been appraising claims for 2 decades).

Make sure the insurance appraiser has the necessary experience with the type of claim dispute you have. Contractors or restoration companies posing as Insurance Appraisers who tell you they can adjust your claim dispute with your insurance company should be avoided at all costs. Just as a contractor cannot adjust your claim, a insurance appraiser cannot have a financial interest in your loss except for their approved contract fee.

Beware of local contractors, roofers and remediation companies that offer to represent you in appraisal and then fix the damage, that is illegal. We have seen some serious abuse in this area over the years, especially after natural disasters. In some cases these company's contracts will require you to sign over your settlement check to them. Sometimes they will spend less fixing your property and pocket the rest or have you sign a release before the claim is completed, thus leaving you with damage that wasn't accounted for. In other cases we have seen overreaching and unconscionable bills run-up by restoration companies which the insurance company then refuses to pay because the policyholder alone signed the work authorization without authorization from the insurance company. This often results in a construction lien being placed against the property. In some cases, contractors offering to estimate the damages are practicing public adjusting without a license which is also against the law UPPA and they can be reported to us. Our only advice here is to be careful when hiring contractors, we can assist you in this area. Always maintain control of your settlement check and keep the estimating and repair parties separate. Read and understand any work authorization form presented to you before signing it.

Having a professional insurance appraiser on your side is extremely valuable and key to the success of your claim. Your insurance carrier has their appraisal representative working for them. Shouldn’t you?