Filing a claim after an accident, fire, storm, hurricane, or other natural disaster can seem very daunting. After all, you or someone you love may have suffered injuries that you need to attend to. You have other things to worry about than dotting your i’s and crossing your t’s with the insurance company.

By partnering with a public insurance adjuster in South Florida, such as Contender Claims Consultants, you can rest assured that we will walk you through this process and handle all of the details for you. Below, we’ll dive into just a bit more detail on the claims process. Contact us today!


Always contact your insurance agent first.

Your insurance agent will take down all of the pertinent information, as well as inform you of what documentation you may need.

An insurance adjuster will be assigned to your claim.

Usually, your insurance company will send out an insurance adjuster to assess the damage to your property and get a dollar amount attached to the cost of repairs for your job. However, it is at this stage that you can call a public insurance adjuster who works independently of the insurance company to assess the damage. In essence, our public adjuster company will handle the claims process and then deal directly with your insurance agent to ensure just compensation. Contender Claims Consultants in South Florida notes that a public adjuster works for you and always has your best interests at heart.

Submit a list of what has been damaged.

This step is usually done in conjunction with your public adjuster. When it’s a car, it’s obvious that the damaged item is a car. However, when your home has had a fire, the insurance claims adjuster won’t know what was damaged amongst your personal items. You’ll want to include everything of value to you and the value of the item. This step is vitally important so that you are compensated for the item. Contender Claims Consultants in South Florida notes that if you don’t put your personal items in the claim, you won’t be compensated for them.

Furthermore, our public insurance adjusters are experts at seeing items damaged that you don’t, such as trimwork, doors that are just a little bent from fire damage, and the like. This is where you will see the value of hiring a public adjuster who will note these little things that all add up that your insurance company’s adjuster is apt not to notice and/or notate for you.

It’s important to have as much of the following information as possible when you reach out to our insurance adjuster team to file a claim:

  • Policyholder information — Contenders Claims Consultants in South Florida needs the name of the insured, the address, phone number, email, and policy number.
  • Description of the loss — Tell us about the date and time of the emergency, where it happened, and provide a detailed description of what was damaged.
  • Authority notification — Let us know who was contacted, including all emergency services.
  • Damage mitigation — Make a list of all companies and emergency services you contacted who may have performed damage mitigation or initial cleanup.

Begin collecting estimates for repairs.

You’ll need to get multiple estimates for repairs to your damaged property. Contender Claims Consultants in South Florida recommends that you wait to begin work until your estimates have been reviewed by your insurance adjuster in order to make sure the work you need will be covered under your claim. When you begin repairs too soon in the claims process without knowing the amount of damage that was done, insurance companies will not cover costs over what they decide is the value of the damage to your property, which means you would have to pay out of pocket for any excess amount over. We understand that you are anxious to get your life back to normal. However, the claims process does take time, and as much as no one likes it, you are at the mercy of the insurance company’s time frame.

Begin repairs!

Once the insurance company issues the amount they will be covering for repairs, it’s time to get started! Your public insurance adjuster will still be helping you throughout the repair process to ensure the work you need done is being paid for. Sometimes the insurance company issues you a check; other times, the insurance company issues the contractors doing your work the checks. Each claim and situation is different. However, the role of being your advocate that a public insurance adjuster takes on does not change.


Contender Claims Consultants in South Florida is one of the top public insurance adjuster companies. We offer help when you need it the most. We are your strongest advocate for just compensation for damage incurred from an accident or natural disaster. We work hard to ensure that putting your life back together is a lot easier.  We carefully comb through all the facts to find out if you have been covered fairly under your insurance policy.

The good news? Homeowners don’t need to pay us anything. Everything our public adjuster company in Florida gets paid comes from the insurance companies, meaning you have nothing to lose. Get in touch with us today for a free consultation and to get started with filing your claim. Contact us today to get started!