What is a Public Insurance Adjuster?
A public adjuster is a licensed professional claims adjuster and advocate. As your P.A I’ll prepare, present, and negotiate your Insurance claim with your insurer for your maximum benefit. I’m licensed to act as your your advocate. With years of experience, i’m recognized as an authority on loss adjustments and I will help you to properly prepare, file, and maximize your insurance claims.
Isn’t my insurance company going to send an adjuster?
Yes they will. However, As a representative of the insurance company, you can bet that they don’t have your best interest in mind. Retaining the services of a Florida licensed Public Insurance Adjuster Is how you level the playing field.
How can Gary Guichard & Associates P.A. help you?
Before the rebuilding process can begin, an accurate and comprehensive cause and effect assessment of all your damages must be conducted and estimated. I have years of experience in preparing these involved claims to help you receive the full amount to which you are entitled, in accordance with policy terms. But most importantly, my services won’t cost you any money out of your personal budget.
When should you consider calling Gary Guichard & Associates P.A.?
Immediately! If not sooner… We will inspect your loss and answer your questions without any cost or obligation. Don’t wait! The steps you take today could have a profound effect on the outcome of your claim! Additionally, you should request a free home inspection. A typical inspection will usually uncover at least one or more unsuspected covered loss events which you are entitled to money for.
How much is your services going to cost?
A consultation, inspection is free and absolutely without obligation. In fact, if we’re not successful in getting you paid for your damages… you pay absolutely nothing! When you are paid the Insurance company must add monies to your damages equivalent to our fee! Although not specifically for the PA fee; after paying the fee you will still have more than enough to do the repairs. So you have nothing to lose and so much to gain. Contact us today to schedule a free assessment and consultation.
What is the full extent of Gary Guichard & Associates P.A. responsibility?
As your public insurance adjuster, I will assists with every phase of documenting, presenting and negotiating your claim your insurance company. I will personally meet with your Insurance company’s adjuster at your home and expertly present and address all of their concerns. You can count on me to:
- take the time to explain every question outlined above;
- conduct a comprehensive review of your homeowners policy;
- assist you in complying with your policy’s requirements;
- maximize your financial recovery with a proactive claim management strategy;
- conduct a thorough evaluation of your loss, carefully researching, detailing and substantiating every aspect of your claim;
- present and support an itemized claim package to your insurer;
- work as your advocate at all inspections and meetings with your insurance company;
- secure the best possible settlement in the shortest possible time frame; and
- communicate with you every step of the way.
Keep in mind the Adjuster from the insurance company is their to represent the Company’s interest and save them money. I will use my years of experience to accomplishing an adjustment for you which is equitable and includes everything to which you are entitled under your insurance policy.
How is actual loss value determined?
I will meet with the Insurance company adjusters and present inventory list, photos, receipts, invoices and estimates as well as all pertinent appraisals and make sure all provisions in your policy are properly fulfilled. This often involves numerous steps of which you may know little or nothing, but will make a significant difference in the amount of the final adjustment. Once you contact all you need to do is focus on your day to day affairs and me and my team will do the rest.
Can’t I prepare my own claim?
Of course you can, but it stands to reason that the licensed, bonded and Public Insurance Adjuster such as myself-who has years of experience and training can do so with way more competence, and know how than even the sophisticated policyholder. More specifically, I will assist you in the preparation of inventories, estimates and other factual proofs of loss. I’ll handle all the necessary details for compiling and filing claims, as required by the terms of your insurance policies. I will also confer, on your behalf, with insurance company representatives, sit in on recorded statements, attend examinations under oath and all other matters essential to a proper and satisfactory adjustment. Don’t wait a moment longer click the “schedule me” button to schedule your free no obligation assessment appointment or contact me to receive a call back.
Why should I retain my own adjuster?
Your insurance company will utilize the services of a staff or sub-contracted claims adjuster to represent their interests, NOT YOURS. It’s also very likely that they will retain the services of outside contractors such as engineers or other specialist who they will rely on to minimize, or even deny the validity of your claim of damages.
The skilled professional that your insurer will send to investigate and calculate your loss is paid by the very same company that owes you a fair settlement. The conflict is obvious. Contact me today for a free phone consultation.
Isn’t my insurance company obligated to pay for my damages?
Yes they certainly are! But it will serve you well to remember that Insurance is a business first… their first obligation id to the shareholders. So what ends up happening is the Insurance company will offer you what is due as they see it.
Contact me today… As your Public Insurance adjuster I will hold the Big Insurance company accountable to the provisions in the insurance contract otherwise referred to as the policy, in an effort to get you the the money you deserve.
In the event of a loss, what steps should I take?
Your policy say’s that you should promptly report the loss to the agent or broker, or directly to the insurance company. Let me respond in this way… Agents and Brokers and yes even Insurance Company Intake personnel in some cases are incentivised to dissuade you from filing your claim. Do not allow them to dissuade you! Get a claim number and immediately contact me so I may begin the documentation process in an effort to protect your interest. I especially would recommend that you contact me if you already settled the claim and got paid!
How is Gary Guichard & Associates P.A. compensated?
I work for a small percentage of your settlement, usually payable after you are indemnified. The difference in your settlement, a direct result of having your own skilled advocate, will most likely cover this fee. Additionally, under Florida Statutes, your insurance company may be obligated to add money to your damages equal to the fee, although this money is not specifically for the public adjusters fee. It is none the less over and above the monies intended to pay for the repairs. You owe nothing, unless I get you paid! So contact me today.
How much is your fee?
Gary Guichard & Associates P.A. charge is a percentage of the insurance company’s settlement with you. In the final analysis you will find our service has been financially beneficial to you. You owe nothing, unless we get you paid! Contact me today to discuss further.
How does Gary Guichard & Associates P.A. prepare a claim?
In addition to being a skilled property damage appraiser, we may utilize the services of structural engineers, engineers, accountants, inventory specialists, leak detection experts and other Professionals as needed. By contacting us you will have an entire team at your disposal working to prove the true extent of your damages. Your insurer will use their own experts (who are paid to protect the interest of their employer) to document their opinion of your claim.
What is the most commonly occurring challenge while adjusting a claim?
Every claim is subject to differences of opinion and policy interpretation. Each claim is unique and includes many variables. Typically, differences between the insured and the insurance company arise concerning the amount damage, appropriate labor and material costs for the scope of work required, depreciation percentages (if applicable) to be applied more.
How quickly can you expect a satisfactory settlement?
Under Florida Statutes the insurance company has 90 days to make a investigate, and make a determination. Along the they are bound to many smaller timelines. However, there are actions that may be taken by the insurance company that extends the 90 day claims settlement timeline. As your Public Insurance Adjuster, I will remain vigilant over the Insurance companies obligations.
What about emergency and/or temporary repairs?
Within your policy is a complex list of obligations that you the policyholder has in the event of a loss. Failure to adhere to your obligations may result in delays, underpayment, or even denial. As your public adjuster you can look to my team for expert guidance. The period right after a loss is critical. The right decisions based on the policy language can save your business or home and also protect your rights… The wrong decisions can lead to disaster. One mistake in this complex process can void your policy or severely impair your ability to collect what is rightfully due to you.
How do I set up a free consultation with Gary Guichard?
Contact Us either by phone, or click the blue schedule me button to schedule a time that will work for you. We’ll set up an appointment to meet with you free of charge and with no obligation.