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Residential Claims

Proactive Claim Solutions offers adjusting services for homeowners and residential properties throughout South Florida.

We are able to help homeowners throughout the state and in several other states as well, but our focus is primarily on Miami-Dade, Broward, Palm Beach and Monroe Counties.

We are with you every step of the way. If your home or business has been damaged and you need to file an insurance claim, a whole chain of events, deadlines and tasks are created. Most people have never had to deal with the insurance companies and those that have know that the entire process can be very time consuming and frustrating. Depending on the size and scope of the damage, you may even have to find temporary housing for you and your family while your home is properly secured, repaired and renovated. We can help with all of this.

The residential claims process usually involves numerous meetings and phone calls with your insurance company, their adjusters and various contractors. In addition, you would have to spend countless hours documenting the damage and trying to assess the value of the items. This list must include the cost of each item, age, where purchased and the current replacement cost for each item. By hiring Proactive, we will work with you to document, categorize, and estimate the value of all the damaged personal property. Our team of contents specialist will check your property to ensure that you get paid what you deserve.

We haven’t even talked about depreciation, whether items should be repaired or replaced, preparing and submitting proper paperwork for your additional living expenses. There are lots of ways that insurance companies can try to get you to accept a less expensive alternative (For example, the could say that an item should be clean or repaired rather than pay you to replace the item) Proactive Claim Solutions is fully prepared to protect you from these unethical and improper claims handling tactics.

Are you a homeowner who has just experienced a loss?

Call us before you insurance company, plumber, roofer or contractor! The best time to call Proactive Claim Solutions is immediately after a loss. If you haven’t reported your claim, no problem! We can and will report it for you. If you have already filed, we will notify your insurance company and let them know that we are now representing you and that all communications should be directed through our office.

Whether your insurance company has already sent an adjuster (remember, the adjuster they send works for them, not for you) we will schedule a meeting with that adjuster to inspect the damage and assess the situation. We will also write our own estimate to rebuild and repair the property to its pre loss condition.

Next, we will negotiate with your insurance company to get the maximum possible settlement amount (the biggest check possible) to cover your damages and the cost to rebuild to pre-loss condition. We will also look into the possibility of additional coverages with law and ordinace which in many cases can increase the value of the claim up to 25%.

Settlements with the insurance company are never accepted without your consent. We will make the recommendations that we feel based on your claim and you won’t feel like you are ever leaving money on the table. You should never settle for less!

If your policy includes coverage for additional living expenses (ALE) and you have been forced into temporary housing as a result of your loss, we will help you receive reimbursement for those expenses as well.