Public Adjuster

Do I need the help of a Public Adjuster?

If insurance companies always did full and fair claims evaluations, there would be no need for public adjusters. Unfortunately, insurance companies do not always do correct evaluations. If you feel that your insurance company has not done a correct evaluation of your damages, you may need the services of a public adjuster.

What is a public adjuster?

A public adjuster is a professional who has expert knowledge on loss adjustments. He is employed by the general public to assist them in preparing, filing, and negotiating equitable adjustments of insurance claims.

What could a public adjuster do for me?

We will advise and assist you in the preparation of building damage assessment reports, estimates, inventories, and other factual proofs of loss. We will handle all the necessary details for compiling and filing claims, as required by the terms of your insurance policies. We will also meet and confer with the insurance company representatives and handle all negotiations essential to proper, satisfactory, and equitable adjustment of your claim.

How can a public adjuster better serve me over an insurance company adjuster?

The insurance company adjuster is employed exclusively by the insurance company where his loyalties are. He must strike a balance between your interests and those of his company. We work for your best interests exclusively.

Why should I hire a public adjusters to get what's rightfully due me?

Do you really know what is rightfully due you? We do! We are your exclusive representatives. With our experience and knowledge, we are far more capable of bringing about a favorable, satisfactory, and equitable adjustment.

Why should I engage a public adjuster?

To properly adjust an insurance claim, highly skilled professional insurance experts with a vast knowledge of insurance policies, coinsurance, depreciation, inventories, building damage assessments, repair and replacement costs, and negotiation are all necessary to secure the maximum recovery from your insurance policy. Only an experienced professional public adjuster or public adjusting firm has these qualifications.

Why do I need help in filing an insurance claim?

The typical insurance policy contains many provisions, complex details, and technical language about your requirements and the complicated procedures you must adhere to in case of loss. Many people do not know or understand these policy provisions and do not realize that the burden of proof is on them, the policyholders. In fact, most insurance company representatives actually prefer to work with a professional public insurance adjuster rather than an inexperienced insured.

A professional public insurance adjuster not only has your confidence, but the insurance company adjuster's as well because they recognize that they are working with a professional. Professional public adjuster are well trained in what to look for in an insurance policy and fully understands the procedures necessary in preparing and filing a claim in accordance with policy requirements.

What is the extent of a public adjusters' responsibility?

We assist you with every phase of preparing and presenting your claim, as well as accomplishing an adjustment for you which is equitable and includes everything to which you are entitled to under your insurance policy.

How do public adjusters determine the actual loss?

We take a physical inventory of your damage with your assistance, prepare the estimate of damages to your building, and obtain other pertinent documentation to determine your loss of rents, business interruption or additional living expenses. We make certain that all provisions in your insurance policy are properly fulfilled. This often involves numerous steps of which you may know little or nothing about, but can make a significant impact on the outcome of the amount for your final settlement.

How do the public adjusters charge a fee?

We charge a small percentage of what the insured received in settlement. We don't receive any fee until the insurance company actually issues the check to you. It is to our benefit to get the maximum settlement possible for you in as little time as possible. We also guarantee that the benefits gained from engaging our services will more than compensate the cost of our fee, at the very least. Our fees are usually "contingent" and similar to how attorneys and realtors charge their fees.

In summarizing, Azeem & Associates, LLC will:

•       Complete a precisely detailed estimate of what is required to repair or rebuild your premises.

•       Assist in the preparation of inventories on your damaged personal or business property, contents, and related items. With your help in providing correct documentation, and determining ages and descriptions, a professional public adjuster can evaluate and determine the approximate current values.

•       Prepare your time element losses, such as business interruption, loss of rents, or additional living expenses.

•       Establish a professional line of communications with the insurance adjuster.

•       Present estimates, inventories, and other valuations to the insurance adjuster.

•       Meet with the insurance company to negotiate and adjust your claim fairly and equitably, thus resulting in an acceptable settlement to you.

Azeem & Associates Public Adjusters works for you, we are on your side to achieve these results on all water damages, fire, floods, hurricanes, hail, lightning and mold claims.

About us:

The owner and License Public Adjuster Anthony Azeem have worked in the Insurance Industry for over twelve years. He worked for the insurance companies for the first eight years handling claims on behalf of the insurance carriers. Eventually Mr. Azeem grew tired of the ways the claims process was being handled which benefitted the insurance carriers not the policyholders. He opened Azeem and Associates, LLC, Insurance Public Adjusting firm in Pembroke Pines, FL to assist the policyholders in hopes of obtaining a more fair settlement amount.  He has helped hundreds of policyholders in obtaining a fair settlement from water damages, fire, flood, hurricanes, lightning, hail and even theft claims. Our Firm is licensed to handle all claims in the State of Florida, but mostly handle claims in Miami-Dade County, Miami Beach, Aventura, Sunny Isles Beach, North Miami Beach, Hollywood, Plantation, Miramar, Hallandale Beach, Pembroke Pines, Davie, Homestead and Sunrise locations. Clients can call our office just for a free advice on how to handle their claim. We can also be hired to handle an existing claim currently in process if needed. Our office is located at 18459 Pines Blvd, Suite 127, Pembroke Pines FL 33029. Our website is www.azeemandassociates.net or on Facebook at www.facebook.com/azeemassociates. You can also call us at (954) 880-0355 or in Miami at (305) 949-6014.