#insurance adjuster companies

[existennialmemes]

For those of you outside the US trying to understand our recent current events, here's a fact sheet on US Health Insurance Companies:

They are all run by cartoon villains

The only way they make money is by denying as many people care as possible

They get to decide which medicines and procedures you get to have, not your doctor

They also get to decide how much they pay doctors for covered procedures, regardless of the billed cost for those procedures

You typically have to pay a significant deductible on top of your monthly premiums before they'll even pay out at all

They don't literally consume human souls in a parasitic bid to live forever, but they metaphorically consume human souls in a parasitic bid to live forever.

[claimsprousa]

Top 7 Frequently Asked Questions About Public Adjusters

Public adjusters in Florida are an unfamiliar concept to many homeowners; if you need any guidance about hiring one after experiencing damage to your property, look no further. Here is your resource!

Are you feeling lost about insurance claims and public adjusters? We receive many inquiries about the insurance industry from our readers, with questions like this frequently raised by them. Read on for answers to their most commonly asked queries and expert tips to make your insurance claim successful! If we do not answer it here, please reach out - perhaps we have answers which could assist with completing it successfully for your share!

ClaimsPro USA proudly serves Florida Residents. Our public insurance adjuster helps ensure you get the claim settlement owed to you, just as thousands have before us. Let us ease your insurance claim journey now.

Before Hiring A Public Adjuster in Florida, You Should Ask The Following Questions:

Why Hire a Public Adjuster?

As an insured, you are solely responsible for proving any loss you incur to your insurer, and Public Adjusters represent your case on your behalf.

ClaimPro USA's team of specialists has the skill, experience, and know how to maximize your entitlements. We understand your rights and insurance policies, forms, and endorsements; our priority is representing you before the insurance provider.

Imagine yourself involved in a legal case; rather than representing yourself, you would hire an attorney as your representative. Insurance claims follow suit with this concept - adjusters working for insurance companies will aim to safeguard their interests first. At the same time, Public Claim Adjusters serve your needs first.

Who Will Be Handling Your Claim?

Sometimes the person you speak with initially may not be responsible for handling your claim; therefore, you should inquire during your first meeting to prevent this scenario from playing out. A "public adjuster" could sell those services but then assign someone they may or may not trust as their representative; taking prompt action by inquiring immediately is a surefire way of avoiding these unpleasant experiences.

What Is The Processing Time For My Claim?

In the state of Florida, you should receive your initial check from your insurer within 90 days (this amount is the undisputed sum). However, the insurance company could take up to three months or longer, depending on how your contract dictates they adjust and settle your claim.

What Do Public Adjusters Charge For Their Services?

Public adjusters in Florida typically charge between 5%-20% of your settlement as their fee; hourly or flat rates may also be available in some instances. At ClaimsPro USA, we do not any charge upfront fees, and we won't get paid by until our clients get paid!

What Are My Rights If The Insurance Company Doesn't Pay The Amount We Think Is Sufficient To Settle My Claim?

Depending upon the insurance contract terms, you could possess appraisal or mediation rights.

What Are The Advantages And Disadvantages Of Working With A Public Adjuster?

Here are some pros and cons to consider if you need help deciding whether to hire a Public Adjuster.

Benefits of working with a public adjusters:

– Makes The Claim Process Easier

Damages covered by insurance that affect your personal property or belongings can be disturbing and emotionally wrenching, making dealing with your insurance provider even worse. Doing it alone may need to be more convenient and comfortable. Working with an experienced public adjuster could save much stress in this challenging insurance claim process.

– Helps You To Fight A Lowball Deal

Only accept the settlement offer made by your insurer after consulting with an independent public adjuster if it seems inadequate. They will help you get a higher settlement offer or negotiate better terms if an inferior offer has been extended.

– Saves Your Time

Handling an intricate or large insurance claim may seem overwhelming; from filing paperwork and attending meetings to dealing with contractors - hiring a public adjuster to manage this insurance claims process could save considerable amounts of your valuable time and energy.

– Cheaper Than Hiring a Lawyer

When things don't go as expected when filing an insurance claim, many homeowners feel that hiring an attorney will be their only viable solution. Unfortunately, this option can be more costly than expected as most attorneys charge between 33%-40% as contingency fees, which is significantly more than public adjuster services which usually cost between 5%-15% and can’t ask for more than 20% as per the Florida State Law.

– Negotiates For You

Dealing with insurance company adjusters can be challenging and time-consuming. Insurance adjusters tend to understand all aspects of claims processes thoroughly and possess years of experience, making negotiating only possible with comparable expertise on both sides. Working with Florida insurance adjusters who regularly deals with insurers and their adjusters could prove invaluable - it gives your public adjuster more power in negotiation than you!

– Helps Resolve Claims Faster

Public adjusters are adept at quickly and successfully settling claims rapidly; they get it right the first time.

– Probability Of Receiving a Higher Settlement Offer

Public adjusters can help you secure a more satisfactory settlement. They understand all of the nuances in your insurance policy and have the skills, experience and knowledge to negotiate for fair outcomes on your behalf.

– No Payment In Advance

Public adjusters don't require upfront payments from clients - only when your insurance claim payment arrive will you owe anything back. Public adjusters will only get something if it comes as planned!

CONS:

– Do Not Accept Small Claims

Managing insurance claims can be time-consuming and challenging, which makes hiring a public adjuster even harder. They may need more resources or time for small claims - like when trying to claim only several hundred dollars at once, for example - which they may be unable to add much value towards managing.

What Distinguishes An Independent Adjuster From A Public Adjuster?

There are three primary differences between independent adjusters and public adjusters.

Insurance companies typically hire independent adjusters. Public adjusters are available for insurance policyholders.

Public adjusters represent policyholders' interests, while independent adjusters represent insurers.

Independent adjusters typically receive payment directly from insurance providers.

Here's a more detailed look:

Classification of Insurance Adjusters

Many states use various classifications of adjusters. Insurance adjusters who work for insurance companies typically go by names like Property & Casualty Adjuster, General Lines Adjuster or All Lines Adjuster; their duties involve investigating claims to collect necessary data to adjust insurance companies.

Insurance adjusters generally fall into three main categories.

"Staff or Company" Adjuster

Staff or company adjusters work full-time for an insurance company and investigate and adjust claims on their behalf, helping reduce liability to represent its interests best.

Independent Adjuster

An independent adjuster does not stand on their own two feet despite what their name may imply; insurance companies pay independent adjusters to investigate and settle claims on their behalf.

Independent insurance adjusters near me are hired on contract by multiple insurers when necessary - typically when:

Staff shortage is rendering them incapable of processing claims correctly.

An expert claims adjuster must be available to manage a particular claim effectively.

Certain areas need more staff.

Public Adjuster

Public adjusters (also known as private adjusters) tend only to be known to most policyholders after receiving inadequate settlement offers from their insurance carrier and suspecting possible gameplay in these fair settlements.

Public insurance adjusters operate much like companies or independent adjusters: they investigate and adjust claims, but unlike them, they work solely on behalf of policyholders to help maximize and obtain maximum insurance settlement offers for policyholders.

Conclusion

Public adjusters are only needed for some claims; most property owners can handle more minor, straightforward claims. But managing large claims like fire damage claims, hurricane damage claims, etc, may prove complex or challenging to take on your own; therefore, it may be beneficial to consult a public adjuster when filing or managing them.

We advise consulting one as soon as possible for better outcomes. ClaimsPro USA is an experienced Public adjuster Florida. We have assisted numerous clients in obtaining optimal settlements from their insurance carriers. For you as well, we would be more than happy to do so. If any questions still need to be addressed here, feel free to contact us - we are ready and willing to assist!

[unsolicited-opinions]

I used to run a doctor's office. If your doctor's office hasn't explained this to you, let me do it for them.

You probably don't know how much time your doctor and their staff spend fighting with insurance companies for routine, ordinary things. The stories you see online might leave you thinking that these fights are, if not rare, maybe occasional. A sometimes sort of challenge.

Nope.

It's every day. It's all day. Your doctor's office has employees who fight with insurance companies as a full time job.

This isn't an accident or a side effect of other market forces at work - this is the deliberate, calculated plan the insurance companies have chosen to implement. They know very well it is hurting patients and providers, and they're okay with that because their priority is to maximize ROI for investors and other stakeholders. They're in the business of business, and they don't give a single fuck about human beings or health care.

They've lowered reimbursements in primary care so effectively that primary care has only survived in many parts of the US by becoming a loss leader for larger health systems. You know how the local retail store gets you in the building by selling something at slightly below cost because they know you're likely to buy more once you're inside? It's like that, a loss leader.

The health system where you get your primary care often loses money when you see your PCP, but since your PCP refers you to speciality care inside their own organization, the system makes up the money when your doctor sends you to see their own systems' surgeons, endocrinologists, dermatologists, etc.

Smaller primary care practices literally can't survive. That's why there are almost no independent family doctors any longer. That's why it is so hard to see the same provider with consistency, someone with whom you can develop trust over time, who knows you and knows your challenges. United Healthcare and it's private healthcare insurance competitors have nearly finished killing off that kind of primary care.

Larger primary care practices (30-40 providers) might still be able to make ends meet independently through economies of scale and/or what they earn by doing their own lab/testing/imaging services in-house, but that won't work much longer if current trends continue. We're headed in the direction of just a handful of vertically integrated businesses running healthcare, and they are in the business of business, not health care.

The insurance companies deliberately create administrative barriers which make it expensive for your doctor's office to advocate for you because it moves administrative costs away from the insurance company and onto your doctor's office. This results in fewer paid claims when your doctor's office can't afford to hire another full time position whose only job is to argue with insurance companies and jump through their deliberately obstructive hoops. They want your PCP to be struggling to stay open. They want your PCP unable to afford the cost of overcoming the administrative burdens they have deliberately created for the purpose of denying you the health care your doctor thinks you need.

There are other words for this, but the most appropriate one is "evil."

I don't want to glorify murder or lionize Luigi Mangione, but Brian Thompson was a ghoul, his senior team are ghouls, and the for-profit health insurance industry is a disaster for Americans, even those Americans who don't yet see the problem affecting themselves. They will.

We need universal, single-payer health coverage, just like every other wealthy nation.

We're not going to get it any time soon, and things are about to get worse for healthcare in the US.

Set aside the damage RFK Jr is likely to do to an already patchwork public health system by attacking regulations and spreading misinformation. Let's look at other ways Trump and the GOP plan to worsen health care.

1. They're going to go after Medicare and Medicaid benefits. They'll seek to lower them and raise the bar which must be cleared to receive them.

2. They're going to seek to raise the age for social security benefits (above 70!), and reduce benefits paid, so the most financially vulnerable seniors will have greater out-of-pocket costs. Those seniors are going to struggle harder with out-of-pocket costs.

3. They're going to attempt to cripple the Affordable Care Act (AKA 'Obamacare'), despite the fact that the ACA has been a HUGE money maker for the private insurance companies.

4. This administration will be run by hyper capitalist billionaires. It will seek to deregulate wherever possible and promote supply-side economics (tax breaks for the rich and large corporations) at every opportunity. United Healthcare and its competitors, which already weild an obscene, horrific amount of control over US Healthcare, are about to get substantially more power.

It's bad, folks. It's a very bad time to be sick and it's going to get worse.

Alan Grayson was right in 2009. The Republican health care plan has been and remains:

* Don't get sick

* If you do get sick, die quickly.

[reallystellacadente]

THANK YOU, CLAIMS ADJUSTER!

Do you keep hearing stories about health claims now "mysteriously" being approved and think, nah, it's urban legends? Well, an urban legend just made my life better.

I had a prescription denied a few weeks ago for no discernible reason. It cost the same as the older, but riskier, drug I am now taking, given to me as a stopgap while waiting for approval. I got a 14-page boilerplate rejection letter from my insurer, Molina, saying that I had to "fail" on the first drug first after taking it for at least 30 days (I am just shy of that now, but only because I was taking leftovers of the same drug my husband had). My doc and the pharmacy tried several times to get it through, to no avail. I thought the cause was lost. I was getting ready to call the doc today to get a refill on the old drug and discuss whether it was OK now to say I had failed.

GUESS WHAT JUST SHOWED UP IN MY EMAIL? A notification that the scrip for the new drug has been filled. It's been at least two weeks since the final denial letter.

THANK YOU, CLAIMS ADJUSTER. IT'S A CHRISTMAS MIRACLE!

I should also note, this is the first time in four years on this health plan that I have had anything denied, other than a deductible for genetic testing I needed when I had cancer.

[godsfavoriteasian]

It's so funny to me how news anchors and a select few people on the internet thought, prisoners for whom healthcare is worse on the inside and so many of them are there because they committed crimes to afford themselves or loved ones medical aid are gone r*pe and kill Mangione over a healthcare ceo. These people are so out of touch.

And yes, him sharing his money is really kind and also an excellent move to show solidarity with everyone especially because so many people in there don't even have families.

The main stream media is controlled by eight different corporations who all peddle PR for the uber rich. It's no surprise that these journos spewing this malarkey have no class consciousness and want regular working class, poor and marginalized people to not have class consciousness.

But yeah, Luigi Mangione is a working class hero and folks in prison respect that he sniped and took out a healthcare CEO so every prisoner will protect him.

[esleep]

genuinely belly laughed at a work email today. its over for me. is this what thirty feels like

[kittlyns]

Yet another day of getting home from work @ 9pm (we usually close at 6... haha) with the fun little bonus of getting a text from my insurance adjuster telling me that while they do not consider me at fault for the accident, the other two insurance companies do, so I have to contact them with my "evidence" to plead my case. Also no one knows where the fucking police report is.

Yippee!! 👍

[kifu]

So we're just ... getting a check ... in the mail ... for our barn. We have to send it to the mortgage company for them to sign and they'll send it back to us, but ... that's just five digits of cash money to rebuild our barn at our discretion. I'm struck. A good thing out of this? Absurd.

[mangled-by-disuse]

I have such mixed feelings about the love languages thing specifically, because, like, gary chapman fucking sucks and there's no scientific validity to his work BUT

at the same time, i do think there's some value in recognising and discussing the fact that different people need different expressions of love in different amounts? Especially in relationships.

Like, I have just recently been having a discussion with my partner about how he really doesn't tend to express his affection through gifts, whereas (as someone who is mega-bad at expressing sincere feeling) I do rely heavily on giving gifts and doing things for people as a less scary way to express love. Joe doesn't like giving gifts, because he's scared he'll do it wrong, and is only so-so on receiving them. He prefers to express love through physical contact and saying nice things. I hate having nice things said to me unless I am allowed to immediately rebut them with a joke or sarcastic comment that makes them less scarily close to emotional honesty. too many words of affirmation and i will genuinely just start avoiding you because it is painfully awkward to me.

and none of that means we are fundamentally different categories of people, which is where the 5 Love Languages stuff falls into being absolute bollocks. but I have seen, and done, enough throwing the baby out with the bathwater on that to be a little defensive - I think reasonable applications of the concept are actually really quite valuable. and for me, the taxonomy Chapman suggests (words of affirmation, quality time, gifts, acts of service, physical touch) while not at all exhaustive or thorough, is a useful framework to hang those conversations on. bc, like, no, the way people communicate and receive affection is not universal, and from personal experience, assuming that it is can have really significant problems for a relationship.

...you could argue that this is parallel to BMI in terms of "tools being used in totally not the way they should be used" though, tbf.

I can't keep having the same conversations about love languages, mbti, iq, bmi, "brain fully formed at 25" and shit over and over again...

[catgoesboom]

I dunno I just think americans are still so behind universal healthcare of any level is still a dream, they really should press for a law that any kind of medical company or service relating to healthcare should be obligated to work under hippocratic oath and be put under scrutiny by medical boards before even considering publicaly announcing their services at all. Oh you don't wanna help my health issues that I have been retroactivelly paying you to help me with for years that is being requested by a board certified doctor? How about a medical malpractice suit, a false advertisement suit, a fraud suit, on top of second degree murder in cases of death of a client directly linked to denied services?

[dominozee]

Outsmart Insurance Companies: Proven Strategies

Let’s be real—dealing with insurance companies can feel like you’re up against a powerful opponent who knows the rules better than you do. It’s frustrating, right? You pay your premiums every month expecting that peace of mind, only to find out when you file a claim that it’s a little more complicated than you thought. Denials, delays, fine print—it can feel like an uphill battle! But don’t…

[askshivanulegacy]

Everyone knows he was in insurance, but the distinction between a healthcare and insurance CEO is irrelevant if they're making millions off people's health (or lack thereof).

It wouldn't matter if he ran a hospital wanting tens of thousands for a procedure, or if he's a doctor denying care.

They are equally evil and equally deserving of the same fate.

The CEO increased suffering, bankruptcies, and death. Just to increase exorbinant profits.

End of story.

#LateStageInsuranceSadism

[fugglecases]

ohhh okay i get it now the pain is forever and never ceasing

[reasonsforhope]

"For [Tanner] Green, the chief engineer at Not a Wheelchair, this is one of the thousand complications standing between his team and a rather lofty goal: upending the manual wheelchair marketplace.

If you’ve heard of Not a Wheelchair, it’s likely because of its owners, Zack Nelson, the star of the 8.8-million-subscriber YouTube channel JerryRigEverything, and his wife Cambry, a para and manual wheelchair user. The Nelsons got into the mobility equipment business a few years ago when they released The Rig, an electric, adaptive off-road device with a simple yet robust and functional design priced significantly lower than anything else on the market. Now, they’re bringing that same ethos to manual wheelchairs.

Not a Wheelchair aims to offer a base-model, custom manual wheelchair at a similar or better quality than most of the insurance-approved wheelchairs in the U.S. for $999.

Yes, that’s just under $1,000 for everything — wheels, handrims, tires, side guards and rigid, angle-adjustable backrest included. And the company plans to have a turnaround time of weeks, rather than the monthslong slog that it typically takes from order to delivery.

When I first heard about this, it sounded awesome and a bit far-fetched. It’s hard to find a pair of quality wheelchair wheels for less than $500. Same with a rigid backrest. How were they going to offer both, plus a custom wheelchair frame without compromising on quality? I drove to their headquarters in Utah to find out...

So how does Not a Wheelchair’s base model chair stack up to other options on the market? I hate to sound like a preacher, but … it’s totally reasonable! It hits the mark of being at least as good, if not better, than the majority of insurance-approved wheelchairs in the U.S.

Touring the factory, I saw other prototypes scattered all around the facility. There’s a beefier, four-wheel drive version of The Rig that the company just launched. There’s a track wheelchair that’s still in development. It’s clear that Not a Wheelchair doesn’t intend to stop at a simple, manual wheelchair. Inexpensive components, more advanced electric off-road devices, power assist, it’s all on the table. “We’re just really excited to see where this leads,” says Green."

-Article and video via New Mobility, October 1, 2024

[viadjusters]

We provide loss adjusting and risk management services to help individuals and businesses recover from losses caused by unforeseen events. Our experts will work with you to identify risks and develop strategies to mitigate them, ensuring that you are prepared for any potential losses.