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Your Premier Cocoa Beach Public Adjuster

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Assurance Inc.

It is horrible to be a victim of an Insured Peril. Don’t let Yourself be victimized by the Insurance Company, their Contractors and/or Vendors.

We are here to Help!

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Insurance Assurance Inc. your premier Cocoa Beach Public Adjuster in Florida. We are the Public Adjuster near you, Cocoa Beach Adjuster successfully represents policyholders throughout Cocoa Beach Florida and all of Central Florida. We are Cocoa Beach residents with our office located in Cocoa Beach Florida since 1999.

Public Adjuster Cocoa Beach Free Consultation, upfront fees. If we don't document and collect more than you have been paid or offered, our services are FREE!! We get paid only after you do! We exclusively serve you, not the Insurance Company.

Fie Damage Claims, Water damage Claims, Wind, Hail Damages, Issues with Insurance Contractors. Public Adjuster Cocoa Beach, Your Premier Cocoa Beach Public Adjuster. Insurance Pays, We Assure It!

Here are a Few Examples of What Public Adjuster Cocoa Beach Does for Our Clients!

INSURER'S ESTIMATEOUR COLLECTIONSDIFFERENCE% INCREASESTATUS
$3,559.62 $31,784.41 $28,224.79 Over 793%PAID
$11,215.49 $486,602.87 $475,387.38 Over 4,239%PAID
$23,850.00 $285,262.35 $261,412.35 Over 1,095%PAID
$40,753.74 $178,802.57 $138,048.83 Over 339%PAID
$25,434.27 $130,670.29 $105,236.02 Over 414%PAID
$36,244.43 $181,964.90 $145,720.47 Over 402%PAID
$22,199.27 $99,199.70 $77,000.43 Over 347%PAID

Your Public Adjuster Cocoa Beach

This is what Public Adjuster Cocoa Beach did for a Client of ours In Celebration!

1. We Investigate and advised Insured what we could do.

2. Only then did we Contract with the Client

3. We Straightened out the mess the Insurance Company Created.

4. We documented, presented and Collected over 1000% More

Is this what our Competitors Provide?

Example: Celebration Fire Loss

We were contacted after a Celebration  insured had a house fire as a result of the insureds unease with the happenings and concerns if they are being treated fairly.

After the Loss while still attempting to get their wits about them the adjuster arrived with the Insurance companies Premiere Contractor in tow.

Public Adjuster Cocoa Beach House Fire damage

As result of  the Adjuster and Insurance Companies Contractors making Assertions of  Exceptional Repairs and Deductible savings. The Carrier induced the property owners into using the Premiere Contractor .

Was This true? NO!

We Collected over 1000% MORE than the estimation and made Significant Difference in The Quality of Repair

Insurance Companies Contractors  $64,909.67 Estimation

Dwelling

Public Adjuster Cocoa Beach Bedroom-Fire Damage
Bedroom Fire Damage and Smoke Damage
Public Adjuster Cocoa Beach Exterior-Finishes-are-to-keep-water-out-not-in
When Extinguishing a Fire or During any water loss Exterior-Finishes-are-to-keep-water-out-not-in
Fire-Damages-Public Adjuster Cocoa Beach
Upstairs Hall Fire and Smoke Damage

1. Our Investigation

Review the structure and make determination of repairs necessary to restore the Structure in accordance with the Governing Restoration Standards and Building codes.

Review any Estimations that are available and determine their accuracy and/or Sufficiency.

Review any documentation available Fire Reports, Communications to and from the insured. Any pictures both prior to and after the event. 

Review the Policy for Coverage and Possible Limitations.

What We Found

Through our initial investigation determined the Fire Damage Stricture Repairs  would be approximately $300,000.

  The Insurance Companies Contractor’s  Fire Damage Estimation of $64,909.67. That is roughly a 4 1/2 times difference or OVER 450% Greater for Fire Damages

Our Investigation found that on the same day the Insured received the Insurance Companies Contractor’s  Estimation of $64,909.67. 



Our Investigation Found that on the same day the Insured received the Insurance Companies Contractor’s  Estimation of $64,909.67. 

Insurance Contractors Wires Spliced in Junction Box
Wires Spliced in Junction Box

If an Insured asks an Insurance Company for one penny that they are not owed;

That is Insurance Fraud!

But If the Insurance Carrier Low Balls YOUR Claim,

That is a Mistake?

Our Investigation found that on the same day the Insured received the Insurance Contractors  Estimation of $64,909.67 for Fire Damages, a Junction box was installed  and the Insurance contractors and insurance Adjuster had agreed to lower the Repairs to $26,000.

After a cursory review we knew our recovery for this Claim would be in excess of 1000% of the Insurance Companies Ridiculous Estimation of $26,000.

2. We contracted with the client and moved forward.

There has to be a Mistake? No one would write 10 times in their Estimate "The electric wires are melted in the laundry room; We are not allowed to splice on to the wires and must rewire the house.  This involves removing ceiling to pull wires and cutting a path in wall for new wires and SPLICE the wires".

Insurance Contractors Wires Spliced in Junction Box

We Authored a letter to the Insurance Contractors  that there  must be a Mistake or can the Insurer and Insurance Contractors be that Unscrupulous?

Public Adjuster Cocoa Beach Free Consultation, upfront fees. If we don't document and collect more than you have been paid or offered, our services are FREE!! We get paid only after you do! We exclusively serve you, not the Insurance Company.

Fie Damage Claims, Water damage Claims, Wind, Hail Damages, Issues with Insurance Contractors. Public Adjuster Cocoa Beach, Your Premier Cocoa Beach Public Adjuster. Insurance Pays, We Assure It!

Insurance Contractors Response to the Insured

On the electrical issue, I told you to ignore the electrical scope when I sent you the estimate. We did not splice the wires as you suggest. We installed a junction box below the electrical panel. This was discussed with the building department in advance, meets electrical code, and was inspected and passed by the county electrical inspector. It has not only saves everyone’s money, but it gives you a much better job. The alternative was to cut holes in the walls throughout your house and patch drywall in every room. This gives you a much cleaner drywall job. As far as getting your permission, we did get this. You signed a work authorization and a contract giving us the right to work on your house. We don’t ask permission for each detail of the work, we already have permission. Means and methods of the construction process are the function of the contractor.

Would the Insurance Company and/or their Contractor's, Vendors put You and Your Families lives at RISK?

Public Adjuster Cocoa Beach Building Unsafe

Insured Contractors Assertions

True

or False

Ignore the electrical scope when I sent you the estimate

Public Adjuster Cocoa Beach False

What good is an Estimate to you if it is to be Ignored? 

The repairs are now less then 1/3 of what the consumer was advised. 

Is that a Fraud?

We did not splice the wires as you suggest.

Public Adjuster Cocoa Beach False

The Wires were Spliced using a Junction Box.

This was discussed with the building department in advance

Public Adjuster Cocoa Beach Unaware

That Would be Scary, if True!

Meets Electrical Code

Public Adjuster Cocoa Beach False

See Below

Inspected and Passed by the County Electrical Inspector

Public Adjuster Cocoa Beach Scary

That is Scary and True!

It not only saves everyone money

Public Adjuster Cocoa Beach False

Who do you think is asking to SAVE MONEY?

Public Adjuster Cocoa Beach Greedy

It gives you a much better job

Public Adjuster Cocoa Beach False

FAILS to MEET CODE. Created life and Safety Issue.

Insurance Contractors Inspection Failed Inspection

The alternative was to cut holes in the walls throughout your house and patch drywall in every room.

Public Adjuster Cocoa Beach False

Competent Contractor’s complete Proper Restorations all the Time.

Insurance Contractors qualified-contractor

We don't ask permission for each detail of the work-we already have permission

Public Adjuster Cocoa Beach False

Any Qualified Contractor or Insurance Contractors should not only complete the work contained in the Estimate given to the Consumer but to also explain there estimation and repair methods.

Means and methods of the construction process are the function of the Insurance contractor.

Public Adjuster Cocoa Beach False

There are established Repair Standards and Competent Personnel should know and be properly trained in them. 

Insurance Contractors Standards

What would another Public Adjuster Do for You?

This is What We Did!

Many of these Insurance Contractors receive the Majority of Their work from Insurance Companies, repairing Fire Damage, Water Damages and other Insured Losses.

These Companies had nearly 60 open permits on jobs and I am sure many from doing Insurance Companies work in Osceola County.

 

Are you TRUSTING the Insurance contractor? Who has your interests at heart?
Insurance Contractors Building Inspection Passed
What relationship does the Insurance Contractors have with the Building Inspector? Building Inspection Passed
After contacting and meeting with the Head Building official a Reinspection was Scheduled.

Prior to the Re-inspection we had a neighboring Head Building official provide a letter of opinion and provided to the Osceola County Building Official at the time of the Inspection.

Building Inspectors Report
Cocoa Beach Public Adjuster Fire Damage
Cocoa Beach Public Adjuster Fire Damage Burnt
Cocoa Beach Public Adjuster Fire Damage Defective-Wiring-Found-After-Repair-and-Inspection
Cocoa Beach Public Adjuster Fire Damage Burnt Disguised Wiring in Electrical Tape

Pictures of some of the issues we identified

Electrical failures or malfunctions are a factor contributing to the ignition of nearly four of five house fires (79%)

As the Insurance Contractors stated above the job had been previously passed Inspection. Proper Re-inspection resulted in the repair being FAILED and TAGGED. 

Cocoa Beach Public Adjuster Fire Damage Fail

Building Official’s typically only make inspection of the work that is permitted in this case the junction box and would rarely make further inspection. An unscrupulous Insurance contractor or Subcontractor can put you and your families lives in grave danger without you never knowing.  

Unscrupulous Insurance Contractors
If this is Like a Good Neighbor, I would Change Neighborhoods
Unfortunately we have encountered this type of situation too often!

Investigating the loss, comparing to the Insurance Carriers Estimation

How Many Discrepancies Can there really be between the Insurance Companies Estimation and Public Adjuster Cocoa Beach?

In many of the cases we are retained the Insured was concerned over a few thousand dollars in difference and we end up showing them $10,000's or even $100,000's of thousands in difference!
3. We documented, presented and Proceeded to Collected over 1000% More!
Public Adjuster Cocoa Beach House Fire damage
Public Adjuster Celebration House Fire
Cocoa Beach Public Adjuster Fire Damage Exterior-Damages
Exterior Damages from Extinguishing the Fire Not Paid
Public Adjuster Cocoa Beach Exterior-Finishes-are-to-keep-water-out-not-in
When Extinguishing a Fire or During any water loss Exterior-Finishes-are-to-keep-water-out-not-in
Glass-and-Window-fire Damages
Glass and Window Damages
Cocoa Beach Public Adjuster Fire Damage Electrical Fixture fire Damages
Electrical Fixture Damages
Burnt Wiring e1601572964136
Electrical rewire Required
Cocoa Beach Public Adjuster Fire Damage Burnt-Air handler-AC
Burnt Air handler AC *Not Properly Paid*
Cocoa Beach Public Adjuster Fire Damage Can-You-Clean-Mold-and-Smoke-From-Ducts
Can-You-Clean-Mold-and-Smoke-From-Ducts
Cocoa Beach Public Adjuster Fire Damage AC-Smoke
Smoke and Water Damaged AC
Cocoa Beach Public Adjuster Fire Damage Fire-Clean-or-Replace
Fire Clean or Replace
Cocoa Beach Public Adjuster Fire Damage Plastic discolored
Even a thrown isn't safe from Smoke-
Cocoa Beach Public Adjuster Fire Damage Smoke Damaged Plastics
Smoke Damaged Plastics
Cocoa Beach Public Adjuster Fire Damage Fire-Paint-or-Replace
Fire Paint or Replace
Cocoa Beach Public Adjuster Fire Damage Paint-this-Door
Insurance Company Asserted Pre-existing? Paint-this-Door?
Cocoa Beach Public Adjuster Fire Damage Fire-Heated-Drywall-Nails
Fire Heated Drywall Nails
Cocoa Beach Public Adjuster Fire Damage Moisture after Fire Loss
Moisture after Fire Loss
Cocoa Beach Public Adjuster Fire Damage Moisture Days after a Loss creates Mold
Moisture Days after a Loss creates Mold
Cocoa Beach Public Adjuster Fire Damage The Carrier Sent their Remediation company
The Carrier Sent their Remediation company
Cocoa Beach Public Adjuster Fire Damage Kitchen Damaged or Undamaged
Kitchen Damaged or Undamaged
Cocoa Beach Public Adjuster Fire Damage Cabinet
Fire Water Damaged Cabinets
Cocoa Beach Public Adjuster Fire Damage Who-Pays-to-empty-and-refill-Cabinets
Who Pays to empty, Clean or Replace Contents and refill Cabinets
Cocoa Beach Public Adjuster Fire Damage Fire-Damage-Concealed
Smoke Soot Only Revealed once Countertops Removed
The New Contractors Estimation

Insureds NEW Contractor's $230,90.54 Estimation

Items we added as the New Contractor was Unaware

DWELLING CONTINUED

DESCRIPTION                                             QTY.         REPLACE             TOTAL

 

Levolor Double Cell Shades                       30                  $187.00             $5,610.00

Spring Tension Pewter Curtain Rods      30                  $ 19.99                $ 599.70

Curtain rods                                                     4                  $ 64.99                $ 259.96        

Curtain Tapestry                                            8                  $100.00               $ 800.00         

Curtain Café Tier                                           10                  $ 30.00               $ 300.00    

Curtain Café Tier Valance                           10                  $30.00                 $300.00    

Tie Back Curtains                                           8                  $100.00               $800.00   

Tie Backs                                                        16                   $ 17.00                 $272.00

Alterations                                                      1                   $ 100.00               $100.00

Installation                                                      1                   $ 125.00               $125.00

Refrigerator                                                    1               $2,449.00          $ 2,449.00

Delivery & Installation                                 1                     $ 79.99               $ 79.99

Washer                                                           1                    $752.04              $752.04

2nd story                                                         1                    $ 30.00                 $30.00

Dryer                                                              1                   $807.42               $807.42

2nd story                                                        1                   $ 30.00                 $30.00

Surge Protector  Electric                          1                  $ 269.99               $269.99               

Installation                                                   1                    $ 125.00              $125.00

Surge Protector  Phone/Tv                      1                    $ 127.93               $127.93               

Installation                                                   1                    $ 125.00              $125.00

Stanley CSS ( Alarm System)                     1              $ 5,971.00            $5,971.00

Architectural Review                                    1              $1,800.00           $1,800.00     

Content Manipulation & Debris removal                                            $28,377.98                                                                                                                                                                                                                                                                                                    

 

Sub Total                                                                                                      $ 50,112.01         

 

Sales Tax                                                    7.000%                                      $ 2,016.65

 

Overhead                                                  10.00%                                         $2,375.06         

 

Profit                                                          10.00%                                         $2,375.06   

 

 Total                                                                                                             $ 56,878.78

 

Mold Remediation/ Code & Ordinance are not included in the estimates to date and will be additional.

Can Public Adjuster Cocoa Beach Really Make over 1000% Difference?
In Many Cases We Do!

Loss paid $414,254.66

Are all Public Adjusters created equal?

All Public Adjusters are not created equal. As a result of our principles own losses and dissatisfactions he encountered in retaining Public Adjusting services, he became a Public Adjuster and our company is founded to provide the best possible service for each individual client.

 
Cocoa Beach Public Adjuster Fire Damage shark

2.We ONLY Contract with a Client, when there is no doubt we will bring real value to the Insured.

We do not chase fires or canvas neighborhoods after devastating events and we ALWAYS bring value to our consumers.

Why Are We Different?

Years of experience and continued training in many restoration standards we know proper restoration standards for proper restoration.  

We are familiar with many of the current Building Codes and will attempt to work with your Contractor or the Insurance contractors to assure all funds necessary are tendered to assure your contractor is able to properly restore your loss. 

In many of our Claims especially when of the nature as described above the Insurance company will incur most of our FEES as they maybe become recoverable.

True Care and Compassion for our Clients. 

Hire both a Contractor and Public Adjuster that takes Pride in their work and won’t put your family at risk.

This is the Reason we Maximize Claims!
Will or Can another Public Adjusting Firm do the SAME?
Denials Don't Scare Us!!!

Type of Claim  :  Business (Restaurant/Convenience Store) – Fire/Smoke     
Location            :  Orlando, Florida

Insurance Company denied claim in its entirety. We documented damage and under appraisal clause of the policy recovered $125,000 for the insured

Type of Claim  :  Church – Wind/Water  
Location            :  Pensacola, Florida

The church suffered water damages to the parsonage and Sunday school building. The Insurance Company denied the claim in its entirety. Recovery was $85,000 for the covered

INSURER'S ESTIMATE COLLECTION
Denied$2,300,000.00 PAID
Denied$329,186.76 PAID
Denied$184,670.00 PAID
Denied$81,682.27 PAID
Denied$27,629.92 PAID

Whether a Commercial or Residential Loss overcoming a Property Insurance Claim can be horrific and Insurance Assurance Inc. Can Help.

Were are here to Properly Document and Get the Maximum Recovery When You Need And Deserve It!

Water Damage Claims, Pipe Break Claims, Residential and Commercial Fire Claims, Hurricane and Windstorm Claims.  We Properly Document any Property Claims and Get You the Maximum Recovery.

We Properly Document and get You paid to Restore Your Property not Just Minimalistic Repair.

 Hiring the right public adjuster can alleviate much of the stress and hassle involved with getting your claim paid and GET YOU Significantly Greater Recovery!

 Claims involving a public adjuster have historically resulted in significantly larger payments from insurance companies.