SYB 105 | An Advocate For The Insured • www.thepagrp.com

After Palm Beach County survived a near miss from a Cat 5 hurricane, there was still some significant property damage to nearly everyone in the County. Quite likely the majority of residents have some time of property insurance whether it is a home, a car or just renters' content coverage. Quite likely you will be disappointed with the amount of reimbursement you will receive from your insurance company. But there is an alternative.

The property/casualty insurance market is big business in the US with premiums surpassing $550 Billion next year, logging a 4% increase each year since 2011. The insurance companies pay out about $300 Billion in losses - the industry is very profitable.

Insurance policies are purposely obtuse and not written in easy to understand prose. Is there a clause about Act of God or Natural Disaster exclusion that you think is there but you can't find it? If you can't live in your home/apartment will they only reimburse at cheap motel rates - and when is a residence deemed unlivable?

A public insurance adjuster is someone that works as an advocate for you and steps in to represent your claim with the insurance company. This is not the "independent adjuster" hired by the insurance company, but someone you retain to do a truly independent appraisal of the damage you sustained. They are experts in the details and language of insurance policies, as well as filing and adjusting claims. Best of all, you pay no upfront fees - they are reimbursed by success only.