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Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

http://www.fraseradjusters.com/

Fraser Property and Adjusting Inc, 16375 NE 18th Avenue, Ste 201, North Miami Beach, FL (2026)

05/03/2024

Dealing with an insurance claim can be a daunting, frustrating, and maddening task – especially when you feel like your insurance company is sending you on an endless loop of dead ends. If this wasn’t so common, we’d be out of business! Unfortunately, it IS common.

DO NOT GIVE UP ‼️ You DO have rights.

Wondering when the right time is to bring in a Public Adjuster? 🤔 Here's a quick guide:

🔍 There are stages in the claims process where people tend to bring in a Public Adjuster:
• Early Assessment: Engaging a Public Adjuster early on can significantly benefit your claim. From assessing damages to compiling evidence, we work to build a strong case from the start.
• Denied or Underpaid Claims: If your claim has been denied or you've received an insufficient settlement, it's not too late to bring in a Public Adjuster. We specialize in reopening claims and negotiating on your behalf to maximize your entitlement.

❓ Is It Ever Too Late?
It's never too late to seek professional assistance. Even if you’ve already cashed the check. Whether you're just starting the claims process or facing challenges after an initial settlement, our team is ready to step in and fight for your rights. Don't let your insurance company's confusing wording or seemingly final answer discourage you – contact us, and let's work together to ensure you get the compensation you deserve! 💰

Call 305-614-2851 to speak with our dedicated Public Adjusters who will champion your rights as a homeowner in Florida.⚖️💪

05/01/2024

Dealing with rising homeowners insurance rates in Florida? We get it. Despite already having the highest insurance costs in the nation, many Floridians saw their insurance premiums go up by more than 40% in 2023 📊[Source: NPR].

A strong defense is the first defense to getting the most out of your insurance claim. Here are some tips for lowering your homeowner’s insurance premium rates without cutting critical coverage:

✅ Bundle Policies: Combine your home and auto insurance with one provider for significant discounts.
✅ Add a Security System: Consider installing security systems for potential savings and added peace of mind.
✅ Upgrade Your Roof: A durable roof can lead to discounts on your insurance premiums.
✅ Routine Maintenance: Regular upkeep, like checking your plumbing and electrical systems, can show your commitment to risk prevention.
✅ Adjust Deductibles: Explore higher deductibles to reduce monthly costs while ensuring you can manage them in case of a claim.
✅ Annual Coverage Review: Stay proactive by reassessing your coverage needs annually based on changes in your property and life circumstances.

Despite preparation, losses can still occur. In the current economic conditions, insurance companies are more incentivized than ever to try and deny or lowball your claims. That's where Fraser comes in – we're here to fight for you and serve as your advocate in the event of a loss. You have rights and we’re here to fight for them. 💪

Call Fraser Property & Adjusting at ☎️305-614-2851 now to ensure you're in control.

Source link: https://www.npr.org/2023/10/26/1208590263/florida-homeowners-insurance-soaring-expensive

04/29/2024

Struggling with your home insurance claim in Florida? 🌴🌀 Insurance companies often try to deny claims, leaving homeowners in a tough spot. Did you know that understanding the impact of Florida Building Codes can significantly affect your settlement? Here's what you need to know:

🚧 Building Code Compliance Matters: Insurance adjusters may use variations in building codes to undervalue your claim. Ensure that your settlement accounts for compliance with current Florida Building Codes.

🔍 Multiple Views, Multiple Assessments: Damages can be viewed and assessed in numerous ways. As a homeowner, you have the right to challenge an undervalued claim. Don't settle for less than you deserve.

💪 Know Your Rights: As a Public Adjuster firm in Florida, Fraser is here to help homeowners navigate the complexities of insurance claims. Remember, you have rights, and we're here to ensure you receive a fair settlement. Call 305-614-2851 to speak with our dedicated Public Adjusters who will champion your rights as a homeowner in Florida.

04/27/2024

Has your home or business suffered a burglary? Don't get shortchanged by your insurance company!

Dealing with the aftermath of a burglary is distressing, but ensuring a fair insurance payout doesn't have to be. Here's a quick guide for homeowners and businesses as you navigate the claims process:

📸 𝗗𝗼𝗰𝘂𝗺𝗲𝗻𝘁 𝗘𝘃𝗲𝗿𝘆𝘁𝗵𝗶𝗻𝗴: From the point of entry to the stolen items, document every detail. Photos, descriptions, and receipts, if available, will strengthen your claim.
🔍 𝗧𝗵𝗼𝗿𝗼𝘂𝗴𝗵 𝗜𝗻𝘃𝗲𝗻𝘁𝗼𝗿𝘆: Create a detailed inventory of stolen items, including their estimated value. This comprehensive list is essential for a fair and accurate assessment.
💼𝗚𝗲𝘁 𝗬𝗼𝘂𝗿𝘀𝗲𝗹𝗳 𝗮 𝗛𝗮𝗿𝗱-𝗛𝗶𝘁𝘁𝗶𝗻𝗴, 𝗣𝗿𝗼𝗳𝗲𝘀𝘀𝗶𝗼𝗻𝗮𝗹 𝗔𝗱𝘃𝗼𝗰𝗮𝘁𝗲: Enlist Fraser as your Public Adjuster firm to navigate the complexities. Our experienced Public Adjusters in Florida specialize in advocating for homeowners, ensuring you receive the maximum payout and easing the burden during a challenging time.

Don't settle for less than you deserve! Let Fraser be your ally in securing the compensation needed to restore your home and peace of mind. Call Fraser Property & Adjusting at 305-614-2851 now and let our experts empower you with the knowledge and support you need to secure your entitled benefits.🏛️⚖️

04/25/2024

Dealing with a sump pump failure can be a nightmare, and the last thing you need is your insurance company giving you a hard time when you're already stressed. 😓 Did you know that the coverage for sump pump failures can vary among insurance policies? Here's a quick guide to help you navigate through the process and ensure you get the payout you deserve:

🔎 Review your insurance policy to understand the extent of coverage for sump pump failures
👊 Insurance companies might try to deny claims, so be prepared to fight for your rights
📷 Document the damage with photos and videos as evidence
⚖️ Hire Fraser as your Public Adjuster for professional advocacy to fight for every dollar you're entitled to

Don't let insurance complications add to your stress. Your peace of mind is our priority! If you're facing resistance from your insurance company, Fraser’s experienced team of Public Adjusters is here to help you navigate the claims process. Call 305-614-2851 now for expert advice and advocacy. 🏛️💼

04/23/2024

Has your home-based business suffered a loss, and you're struggling to get the fair insurance payout you deserve? Our experienced Public Adjusters in Florida are here to ensure you maximize your claim and receive the compensation needed to cover damages. Don't let the complexities of insurance claims leave you underinsured and overwhelmed. Here's how Fraser can help:

🔍 𝗧𝗵𝗼𝗿𝗼𝘂𝗴𝗵 𝗔𝘀𝘀𝗲𝘀𝘀𝗺𝗲𝗻𝘁:
• We meticulously assess both personal and business-related damages.
• We identify hidden or overlooked losses that can impact your home-based business.

💼 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗜𝗻𝘁𝗲𝗿𝗿𝘂𝗽𝘁𝗶𝗼𝗻 𝗖𝗼𝗺𝗽𝗲𝗻𝘀𝗮𝘁𝗶𝗼𝗻:
• We ensure your policy adequately covers business interruption losses.
• We document and present evidence to strengthen your claim for lost income.

🤝 𝗣𝗿𝗼𝗳𝗲𝘀𝘀𝗶𝗼𝗻𝗮𝗹, 𝗘𝘅𝗽𝗲𝗿𝘁, 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗡𝗲𝗴𝗼𝘁𝗶𝗮𝘁𝗶𝗼𝗻:
• We expertly negotiate with your insurance company for a fair settlement.
• We handle the entire claims process, so you can focus on rebuilding your business.

Don't settle for less than you deserve! Contact Fraser Property & Adjusting today at 305-614-2851 to navigate the complexities of your home-based business insurance claim. 💪

04/21/2024

Before hurricane season comes around again, add these items to your checklist: 📋✔️

✅ Schedule an annual roof inspection and keep a record of the report
✅ Trim overhanging branches to minimize the risk of falling limbs during storms by trimming branches near your roof
✅ Secure or replace loose or damaged shingles
✅ Reinforce Roof Structures: Consider adding hurricane straps to strengthen your roof's resilience.

The best offense in maximizing your insurance claim is a solid defense, especially when insurance companies may try to deny claims. Still, damage happens! It’s a fact of life and why insurance exists. You do your part, and Fraser ensures that insurance companies come through on their word 💪

At Fraser Property & Adjusting, we're here as your homeowner's advocate during the claims process, ensuring you get everything you're entitled to under the law and your insurance contract.

Call Fraser Property & Adjusting at 305-614-2851 now to ensure you're in control. Our expert Public Adjusters are ready to fight for your rights as a Florida homeowner.⚖️💼

04/19/2024

Dealing with water damage can be a daunting experience for homeowners 🏡😓, especially when insurance companies often attempt to deny claims.

How does having a hard-hitting Public Adjuster from Fraser help you get the most out of your water damage claim?

📝 Expert Evaluation: Our skilled adjusters conduct a thorough assessment of water damage, uncovering hidden issues that insurance companies may overlook in an attempt to deny claims.
🔍 Policy Interpretation: Navigating insurance policies can be tricky, and insurers might exploit ambiguities. We interpret policy language, making sure homeowners comprehend their coverage and assisting them in maximizing their claims.
💪 Negotiation with Insurers: Fraser Property & Adjusting serves as your advocate, adeptly negotiating with insurance companies to counter any attempts to deny valid claims, ensuring you receive the compensation you deserve.

Fraser Property & Adjusting stands by homeowners, combating the tactics insurance companies may employ to deny claims and ensuring every entitlement under the law and your insurance contract is secured. Call us at 📞305-614-2851 for expert assistance.

04/17/2024

‼️ Florida homeowners, let's talk about sinkhole coverage and the vital information your insurance company might not readily share. Sinkholes are a common geological feature here, and knowing how your insurance covers them is crucial.

Florida's unique geological composition makes sinkholes a prevalent concern. Sinkholes can develop gradually or suddenly, causing damage to your property's foundation.

🛡️ Beware of Denials: It's unfortunate but true – insurance companies may attempt to deny sinkhole claims. Be vigilant!

At Fraser Property & Adjusting, we take offense to big insurance companies that try to give our fellow Florida residents the run around. Experience the difference when you have a local, professional, hard-hitting, insurance claims expert working on YOUR side 👈 and active as YOUR advocate during the claims process. Connect with Fraser Property & Adjusting today - the trusted public adjusting firm in Florida at 📞305-614-2851.

04/15/2024

Considering a home renovation project? 🤔💭 It's essential to be aware of how these improvements can affect your home insurance policy. Here's a quick rundown to ensure you're adequately protected:

📈 𝗜𝗻𝗰𝗿𝗲𝗮𝘀𝗲𝗱 𝗣𝗿𝗼𝗽𝗲𝗿𝘁𝘆 𝗩𝗮𝗹𝘂𝗲: Renovations often lead to an increase in your home's value. Make sure to update your insurance coverage to reflect the enhanced property value, ensuring you have adequate protection in case of unforeseen events.
🏚️ 𝗩𝗮𝗰𝗮𝗻𝗰𝘆 𝗗𝘂𝗿𝗶𝗻𝗴 𝗥𝗲𝗻𝗼𝘃𝗮𝘁𝗶𝗼𝗻𝘀: If your home becomes temporarily vacant due to renovations, inform your insurance provider. Vacancy can impact coverage, so it's crucial to discuss the situation and potentially adjust your policy.
🔧 𝗕𝘂𝗶𝗹𝗱𝗲𝗿'𝘀 𝗥𝗶𝘀𝗸 𝗜𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲: For extensive renovations, consider obtaining Builder's Risk Insurance. This policy can safeguard your investment during construction, covering damages to the structure and materials.

At Fraser Property & Adjusting, we're your homeowner's advocate, committed to helping you get the most from your insurance claims. Whether it's preventative measures or tough claim representation after a loss, we're here for you every step of the way. Your peace of mind is our priority. 🤝

Don't let your insurance claim become a headache. Take charge with Fraser Property & Adjusting – call 📞305-614-2851 now for expert advice and advocacy. Your rights deserve to be protected.

04/13/2024

🏡 Homeowners in Florida, ever wondered about your options if your home is ravaged by fire or storm? It's not just about rebuilding but also ensuring you have a roof over your head during the recovery phase. 🌪️ Did you know that your homeowner’s insurance can cover temporary housing costs?

At Fraser, we make sure that you get everything you are entitled to from the insurance company in the event of a loss.

Why Hire Fraser as your Public Adjuster? 👉

• We Maximize Your Claim: A Public Adjuster works for you, not the insurance company. They can help ensure you get everything you're owed by thoroughly assessing the damage and negotiating on your behalf.
• We Make Sense of Complex Policies: Insurance policies can be intricate. As Public Adjusters, we are well-versed in the nuances, making sure you don't miss out on any entitled benefits.
• Advocacy During Claims Process: From documenting losses to presenting a strong case, a Public Adjuster is your advocate throughout the claims process.

In times of crisis, having a Public Adjuster by your side can make a significant difference. We’re not just insurance experts; we’re your allies in securing the resources you need for a smooth recovery.

Feeling overwhelmed with your insurance claim? You're not alone. Reach out to Fraser Property & Adjusting at 📞305-614-2851, and let our experienced team navigate the complexities for you. Your peace of mind is just a call away.

04/11/2024

Depreciation plays a crucial role in determining the value of your insurance payout, and understanding it can make a significant difference when filing a claim. 📉 Here's a quick breakdown:

🔍 What is Depreciation?

Depreciation is the reduction in the value of your home and its contents over time
It considers wear and tear, aging, and obsolescence

💡 Why it Matters in Home Insurance Claims:

There are two main types of homeowner’s insurance coverage: Replacement Cost Value (RCV) and Actual Cash Value (ACV).

• RCV: Covers the cost of replacing or repairing damaged items with new ones.
• ACV: Factors in depreciation, resulting in a lower payout as it considers the item's current value.

Do you know which one you have? 🤔

Knowing the depreciation method used in your policy can prepare you for potential out-of-pocket costs.

In the event of a claim, a solid grasp of depreciation can empower you to navigate the process confidently, ensuring you receive the coverage you need. Stay informed, protect your investment, and be sure you're getting every dollar you're entitled to when it comes to your insurance claim.

Ready to maximize your insurance claim benefits? Call Fraser Property & Adjusting at 📞305-614-2851. Our team is here to ensure you receive every entitlement as a Florida homeowner. Let's work together for your peace of mind.

Fraser Property and Adjusting Inc

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Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm