Insurance companies look after their own best interests. We look after yours.
Don’t drown in paperwork following a flood.
Let us establish and defend your
Sinkhole claims shouldn’t leave you in a financial hole. We’ll make sure you get everything you’re entitled to from your insurance company.
We don’t just help you make a claim, we help you reclaim your life.
North American Insurance Consultants Inc.
Most people have little familiarity with their insurance policy. Many have neither the time, much less the expertise, to undertake the complexity of filing an insurance claim that results in a satisfactory settlement. It is not the job, duty, or responsibility of your insurance company to discover the full extent of your loss. It is yours. As a Florida Licensed Public Insurance Adjuster, we are on your side. Let us represent you.
NAIC is an insurance claims adjusting, appraisal, and construction consulting company committed to recovering every client’s loss as if it were our own. NAIC is a multi-disciplinary public insurance adjuster based in Tampa, Florida. For over 25 years we have provided property owners representation and public adjusting services from Florida to South Carolina and all Gulf Coast States to Texas.
Choosing coverage for your property is one of the most important decisions that you have to make in your life. In Florida, it’s vital for the coverage to protect your investment in the event of damage from a hurricane, flood or fire. You also need to protect your home or business from building defects, theft and vandalism.
However, choosing the coverage is only the beginning. Insurers train and hire adjusters to minimize how much they have to pay out when you file a claim. North American Insurance Consultants, Inc. are public adjusters and can help you navigate the insurance world to maximize your benefits and settlements.
Your Florida insurance policy is a contract between you and your insurer. It outlines the obligations of the insurer to you, the policyholder. In return for that service, you pay a premium every month. Every policy includes six sections, including the covered items and exclusions. However, insurers use a lot of technical language and wording that makes it hard for most people to understand exactly what they get.
Florida Public Adjusters cut through the industry terminology and identify the bottom line. They can work with you through any stage of buying or filing a claim with property coverage. Their goal is to protect your rights as a consumer and ensure that you fully understand the fine print on your policy. This gives you peace of mind that your property will be protected with the maximum benefit from your coverage.
When it comes to filing a claim and agreeing to a settlement, many Florida insurers give consumers the runaround. They make it sound like they’re concerned about your situation and will do their best to protect your property. When it’s time to issue the payment, though, they might try to get away with giving you as little as possible.
You might also face obstacles such as filing the correct claim or other formal documentation. Most people, for instance, don’t have the means to gather the detailed inventory or repair estimates that insurers require for claims. Others might not realize that they have to prepare formal documentation for a request to reach a settlement within a timely manner.
Public Adjusters like NAIC, which serve Florida can make sure that your insurer gets the files and information that it needs. This prevents long delays and guarantees that your insurer holds up its side of the contract.
In addition, it’s essential to renegotiate the terms of your policy when something in your life or the business market changes your needs. Insurance advocates can renegotiate your existing policy to expand your coverage, reduce your premium or make other changes.
Along with the above claims management services, our Florida adjusters can provide litigation support, appraisal support and expert witness statements. Furthermore, we offer construction management services such as preparing cost estimates and collaborating with construction specialists.
Do you want help choosing the best insurance policy for your property? Do you want peace of mind for your next claim? Contact NAIC for a professional who can guide you through the process and help you get the best possible return on your benefits.
If you’re considering filing a claim on your property insurance, you should also consider hiring a Florida public adjuster. It’s especially important for you to hire someone if your claim will be for a large amount. Learn more about how a public adjuster can help you protect your investment.
The Duties of a Florida Public Adjuster – As a state-licensed professional, a public adjuster is someone who specializes in managing insurance claims on behalf of a policyholder. In some cases, such experts are employed by public adjustment firms. Their duty is to help policyholders like yourself negotiate settlements with insurance companies.
For example, you might be aware that insurance companies employ their own claims adjusters. They investigate, appraise and adjust settlements to determine how much their companies are responsible for paying. Basically, it’s their job to reduce the payout to as little as possible in favor of the insurers.
However, a public adjuster is someone who you hire. These professionals perform the same duties as claims adjusters, including investigating, appraising and adjusting the settlement. The difference is that they increase the settlement as much as possible in your favor. Their objective is to maximum your property insurance benefits and compensation to help you recovery after a loss. Despite that, a public adjuster can’t get you more money than your policy entitles you to.
Having insurance is one of the smartest decisions you can make. Hiring a Florida public insurance adjuster like NAIC to represent you is the next smartest. No matter how well you think you’re
covered, no matter how much you like your insurance company and their personnel, in any dispute they are the ones making all the decisions and they are going to do what is best for them.
It’s not personal. It’s just business. Let us be your claim resource. That’s why so many policyholders hire us to represent them in the claim process. It’s not antagonistic. We’re not out to “get” the insurance company. We simply want to make sure you get what you’re entitled to. What you need to get your life or your business up and running again. We take the burden off of you and put it on them. Think of it as trust but verify.
Not surprisingly, in every case we have secured our clients more than they would have received without us. Often significantly more. We can do the same for you. Whether you are involved in a commercial insurance claim, business property/personal property claim or a homeowners property claim we are your insurance loss experts. Advocating for property owners is our business.
At NAIC, we put your needs at the forefront because we understand that your home or business property is one of the largest investments in your life. We also understand that you’ve created irreplaceable memories in your home or relationships with customers or tenants. Our goal is to protect all of these elements by helping you choose the right insurance plan for your needs. We also assist you through the claims process when your property sustains damage from disasters such as a hurricane, poor workmanship or criminal activity.
Florida is likely to be affected by hurricane season in summer and autumn. A hurricane can span hundreds of miles, bringing with it hail, strong winds and flooding. Even when a hurricane develops in the Atlantic Ocean instead of the Gulf, it can cause a lot of damage.
Alongside tearing through buildings, the winds from a hurricane can rip off roof shingles and building siding. NAIC Florida public adjuster can investigate the hurricane damage and how much the repairs will cost to prepare an accurate claim for your insurer.
Flood and Other Water Damage
A hurricane isn’t the only type of disaster that can happen in Florida. Heavy rain for a prolonged period can cause flooding that damages the structure of your property. A burst pipe or old water heater can also cause water damage to the items inside of your home or business, such as furniture and clothing. If it’s not treated properly, wet rot, mold and fungus can develop and make the problem worse. Insurance consultants can file a claim for you.
The terms “public adjuster” and “insurance advocate” might cause a little confusion for Florida residents. Some of them think that the terms mean the same thing. However, there’s a clear difference.
A public adjuster only negotiates with your insurance company in regards to claims. An insurance advocate cuts through confusing terminology to help you understand and choose a policy. This expert can also help you negotiate and renegotiate benefits, file a claim and other formal documents, communicate with your insurer and get productive responses. An advocate may negotiate a claims settlement if he or she specializes in that practice.
You can do a few things to make sure that you hire a good public adjuster. First, make sure that he or she has a Florida license to legally practice. To maintain this license, the adjuster must complete continuing education courses and be bonded. Because of that, you know that the service is legitimate when you see license confirmation. Despite that, it doesn’t hurt to ask for referrals.
Second, know whether one or multiple public adjusters will be working on your claim. Some public adjustment firms send one person to estimate the damages and another to follow-up and investigate the claim. This approach is only a problem if you prefer to work with one expert.
If that’s the case, ensure that your public adjuster is the best professional for the job. For instance, one adjuster at a firm may be interested in your claim, but another adjuster has more experience handling your type of issue. Also, make sure that you’re satisfied with your level of involvement in the claims process.
Finally, you should research public adjusters in the same way that you shop for other professionals. Don’t settle on the first one that you find. Alongside checking references, read online reviews.
Referred to as time element losses since they occur over time. Loss of income and increased expenses from a covered peril. Commercial property insurance covering loss of income suffered by a business when damage to its premises by a covered cause of loss causes a slowdown or suspension of its operations. Coverage applies to loss suffered during the time required to repair or replace the damaged property. It may also be extended to apply to loss suffered after completion of repairs for a specified number of days.
Identified as inland marine this type of commercial policy covers buildings under construction. This includes the building, temporary structures located on the site, and materials and supplies not yet part of the building.
Unintentional burning with ensuing damages from smoke and extinguishing/ suppression efforts to a structure and/or personal property; Arson is burning that is intentional.
Presence, growth, proliferation, spread or any activity of “fungi”, wet or dry rot. Fungus may include mold or mildew and any mycotoxins, spores, scents, or by-products produced or released by fungi. Generally the policy contains a limited dollar amount and scope of repairs for this additional coverage.
Sudden sinking or collapse of land into underground empty spaces created by the action of water on limestone or similar rock formations. Commercial policies commonly include this coverage and homeowners is through endorsement.
Frozen rain, usually in pellet formation and in various sizes, causing damages upon impact.
Occurrence based coverage deriving from alleged workmanship that is associated to property damages.
Fortuitous damages that can emanate from a variety of sources, such as water heaters, supply and waste piping, or HVAC system.
Illegal taking of an insured’s property with intent to deprive ownership.
Willful or malicious destruction or defacement of public or private property.
Damages caused by hidden decay, hidden insect or vermin damage, weight of people or personal property, weight of rain that collects on a roof, and use of defective materials or methods in construction, remodeling, or renovation if caused during the course of construction, remodeling or renovation.
Accumulating over the tropics and developing in the Atlantic and Gulf of Mexico within the summer and fall months. These systems are hundreds of miles wide with sustained winds exceeding 75 mph and rotate counter clockwise. Categorized 1-5 and provided names in alphabetical order.
Wind velocity with enough force to cause damage and/or breach a structures envelope. IE: Thunderstorms, Tornadoes and Hurricanes can all create wind damages.
Rising water from either 2 or more properties or inundating more than 2 or more acres. IE: Heavy rainfall in low lying areas, Tidal Areas (Rivers, Bays, Oceans and Gulf of Mexico) and Hurricanes. You do not need to live in a Flood Zone to be impacted by a flood.
Sudden and violent release of pressure or energy has caused bursting or breaking and a noise.
Natural electric discharge in the atmosphere.
Resulting from a sudden and accidental cause; not over a period of time.
Replacement Cost Value (RCV) means replacing with materials of like kind and quality.
Actual Cash Value (ACV) is defined as replacement cost less depreciation.
Depreciation means a loss of value due to wear, deterioration, or obsolescence.
Additional Living Expenses (ALE) / Loss of Use is defined as expenses that would not have occurred had the loss not taken place. These are expenses over and above the normal expenses.
Total Loss is a loss that completely destroys or renders useless the insured property or completely exhausts the applicable insurance limit.
Direct Physical Loss – resulting immediately and proximately from the occurrence and not remotely from some other consequences or effects thereof.