Click on the link above to see if you’re lucky enough to win the 560 WQAM Home Improvements contest. Stellar Public Adjusting Services is the main sponsor of this exciting contest. If somebody has all the correct matches they’ll win the 100k. Home improvements are always a priority for Stellar Adjusting when the help homeowners recover from their insurance company. When there’s damage in a home or business Stellar takes the necessary steps to assist in a quick and full recovery.

Take a moment to enter the contest and spread the word, it’s time you did something to make those home improvements happen and 100k would certainly help!

Spread the word and share on Facebook and Twitter.

The Stellar Public Adjusting Services headquarters are right outside of Aventura on Miami Gardens Drive. Recently, their street credit has been elevated by the attractive and highly visible branded trucks on the road. Stellar has built a solid reputation in the South Florida insurance claim industry and has created an online presence that demands attention. Now, when the team from Stellar is on the road everyone will recognize their name, logo, and phone number. When filing an insurance claim one important factor is connecting with an adjuster quickly so that the matter is not delayed.

The Stellar trucks are an active way to reach potential clients while traveling from visiting current clients. These stylish trucks can be spotted on the road and in front of the office – you can’t miss them.

Stellar Public Adjusting Services offers prompt and professional property insurance claim assistance. Call today and get started – 305.396.9110

Gene G. Veno is the President of the American Association of Public Insurance Adjusters (AAPIA). He is featured in the Youtube video above as he explains the importance a Public Adjuster is to a homeowner. AAPIA is an important organization that represents Public Adjusters and fosters communication and education about the industry. They are a great resource for various insurance related topics and offer a very informative website.

The AAPIA website is easily navigable to the various areas on legislation and other relevant topics. They also host events and will be showcasing in Miami Springs, Fl later this month. Event details at our blog – Florida Property Insurance Blog.

305.396.9110

www.stellaradjusting.com

Water is a saviour when you’re thirsty, but a terror when it surprises you in unexpected ways – we’re referring to water leaks in the home or office.

There are so many precautions designed to prevent pipes from bursting, toilets from leaking, refrigerators from dripping, and roofs from buckling that when it does happen individuals are caught off guard. This is why there are so many stringent building codes, permits and inspections. It’s those guards help prevent mistakes that can cause problems in the future.

This video we found on Youtube has some great tips; however, we don’t know anything about the company it promotes.

Read full article – Detecting Water Leaks

There are so many different aspects when it comes to the property claim process. Public Adjusters at Stellar will be your best asset on your side. The key to our experience is communication and explanation – we help guide property owners to make the most informed decisions. It’s vital, in order to determine a recovery a property owner deserves, to have a clear determination of property value – depending on the situation this is relevant to various types of property.

The most common method of determining value is Actual Cash Value (ACV) this is calculated to account for deprecation of the value of a particular item. This can be difficult for a policyholder to swallow because he is expecting to recover full value of the item purchased. The flip-side is that the insurance company wants to avoid paying a policyholder full value for an item that has deprecated. This is where the expert insurance claim adjuster will navigate to recovery.

The Replacement Cost Value (RCV) is a type of coverage that is used to cover the difference between the ACV and the cost of a new same or similar item. The difficulty of this type of coverage arises in situations in which the insurance company requires that the RCV is paid when the insurance companies have documentation that the policyholder purchased the item and needs reimbursement of RCV. This would mean that the policyholder comes out of pocket until the RCV is received.

You can view the full posting on our blog at Florida Property Insurance Blog.

Stellar Adjusting Services is not affiliated with or does not endorse the company featured in the video.

305.396.9110  www.stellaradjusting.com

There are many insurance companies that provide various property insurance coverage to the public . Public adjusters, at Stellar Adjusting Services in North Miami,  represent property owners to recovery from damage and collect according to their insurance policies.  Our professional team of Public Adjusters has experience and expertise working across South Florida .

We assist residential and commerical property owners with their insurance claims. Our team works aggressively to fully identify and report the extend of damage so that the claim process is a productive process for the property owner. The insurance claim procedures are handled between the adjusters, policyholders and the insurance company such as these examples - Citizens Homeowners Insurance Policy or Allstate.

The insurance claim process can be complicated and best guided by a professional public insurance claim adjuster. Our website has various insurance claim informative steps and links to information about the insurance claim denial process.  The best place to start is to contact us regarding your property damage - visit our website and identify the type of damage and we’ll offer insurance claim assistance.

Read more on our Florida Property Insurance Blog about the insurance policies and adjusters.

www.stellaradjusting.com / 305.396.9110

Water leaks are one of the most common types of property damage owners experience. There are the easy fix leaks and those that cannot be stopped or were left untreated for too long, these can cause major water damage to a property. The first reaction to an excess water leak is to stop the flow of water, clean up the damage, call a plumber, and begin the repairs. Usually, in between one of those steps a homeowner might contact their insurance company and begin a homeowners claim process. In Florida and especially Miami during the rainy season there are many rainstorms, tropical storms, and an occasional Hurricane. Those types of severe weather often are the cause for roof leaks, and water leaks in other areas of the property where water can get inside.

This video shows some examples of water damage to a home.

All the typically reactions are natural and we don’t suggest that you fight them; however, the sooner a call is made to a Public Adjuster servicing Miami Dade and Broward County the better. Our team of Public Adjusters understands the storm related issues, water damage to properties, repairing water damage, and even have tips on handling the water removal. Since reactions to seeing excessive water inside a property causes most homeowners to enter autopilot, we highly suggest that a relationship is built with a Public Adjuster before you experience any unforeseen property damage.

We will develop a relationship with you and communicate exactly how to handle any potential issues. This will make you more comfortable with our services and you’ll quickly understand why being prepared is the best position.

To read more about water leaks, insurance claims, and property damage visit our website and give us a call.

www.stellaradjusting.com / 305.396.9110

If you’re a property owner in Florida chances are you’ve felt some hikes in insurance rates. It’s not what Florida property owners want to talk about, but ignoring the issues aren’t going to make them go away. There’s been a lot of buzz over the last six months surrounding Citizens insurance in Florida. Do you know what’s going on and how this might be your concern?

The team at Stellar Adjusting is ready to take your call and explain what’s happening and make sure you have the right coverage in the event you need to file a claim with your insurance company.

Here’s an excerpt from a recent blog post about rate hikes: Rate hikes loom – Are you informed?

The recent article, “Major overhaul and rate hikes proposed for state’s largest insurance company” on March 04, 2011 by Gary Fineout addresses the rate hikes. This article is worth a quick read. Here are the main points from the article:

SB 1714 — would not only allow Citizens to raise its rates to make the carrier more financially sound, but it would also do the following:

Require Citizens to drop coverage of higher-priced homes and condominiums. Starting in 2012, Citizens could no longer cover homes that would cost $1 million or more to replace. That figure would drop to $750,000 in 2014 and $500,000 by 2016.

Prohibit Citizens customers from hiring a public adjuster to help them with any claims.

Require Citizens to hire a consultant to study whether or not some operations should be outsourced.

Make homeowners ineligible for Citizens coverage if they can get a policy from a private carrier that charges up to 25 percent more than Citizens does.

Rep. Jim Boyd, R-Bradenton, has filed the House version of the legislation.

Read the full article here

Do you agree that this is anti consumer regulations? Should I be stopped? Give us a ring we want to hear from you and we’ll explain if this concerns your policy and insurance claims.

305.396.9110

What is a Public Adjuster?

Hurricanes, floods, tornadoes, fire, mold, water damage and insect damage. Do I need to go further? Floridians have had more than their share of misfortune and strife with property damage. Trying to work with the insurance companies to get the compensation that is rightfully theirs can be unpleasant at best.

When natural disasters strike, many insurance companies advertise they will have agents on the premises and those agents have the authority to compensate on the spot. As well-meaning and good hearted as they may seem; they are working for the agency they represent and not you. The quicker you settle with them the more you stand to loose.

You, the insured, have the responsibility to calculate how much damage has been done, prepare the claim and then submit that claim to the insurance company. This takes time and knowledge of the insurance industry. Let’s face it, most of us work with our insurance agent long enough to get a stack of papers, a handshake and a ‘thanks for doing business with us.”

It is during these disasters that many people want to get paid quickly and get on with their lives. As difficult as it is, this is the time to call a public adjusting service. Once the service has been contacted they will assign you to an insurance adjuster. He or she will ask for certain information, which is required to do their job. These adjusters are knowledgeable with the ins and out of the insurance industry. Many of them have worked for the insurance agency you are working with now. They know all the tactics, and best of all, they represent you, not the agency.

Read full article on our blog

www.stellaradjusting.com

305.396.9110

It’s no secret, Aventura is home to many expensive jewelry shops and residents own plenty of Jewelry. This is the case in cities across South Florida, the beautiful weather allows for showing off necklaces, bracelets, and earrings – people here aren’t covered in jackets and scarfs. The high visibility of these expensive items create a situation in which theft can occur and because jewelry is worn more often there’s a higher chance of pieces getting lost. This is why it’s vital that homeowners understand their insurance coverage when it comes to jewelry.

In most cases jewelry falls under the category of excluded items and there’s typically a low limit to coverage under a homeowners policy. A homeowner must inquire about separate coverage for jewelry. There is a very strict documentation requirement when it comes to jewelry coverage and claims. Here’s a general list of proper documentation that’s need.

The documentation should include, but is not limited to the following:

1. Description of the item
2. Quantity of the item if appropriate
3. The replacement cost/value
4. Where it was purchased
5. Where the item was located in the home
6. Does it need to be repaired or replaced
7. Any supporting documents of ownership and value – photos, receipts, videos, print outs of similar items.

We at Stellar Adjusting Services can review your coverage and give you a better understand of what your potential liabilities are in the event there’s loss or theft.

Here’s a Youtube video that gives an overview explanation:

Read full article on the blog.