Tell us about your claim
What is a Loss of Use Claim?
A “Loss of Use” claim provides financial assistance when your home is uninhabitable due to covered damage. It typically covers:
- Temporary housing costs: Hotel stays or rental homes
- Additional living expenses: Meals, transportation, and other necessities
- Storage fees: If you need to store your belongings while repairs are completed
Filing a Loss of Use claim can be complicated, especially when trying to calculate the full scope of your additional expenses. That’s where a public adjuster like Otero Property Adjusting and Appraisals comes in.
Why Hire a Public Adjuster for Loss of Use Claims?
Insurance companies may try to minimize payouts or dispute the validity of certain expenses. By hiring a public adjuster, you ensure that you have a professional on your side who understands the intricacies of your policy and will fight to maximize your claim. We handle everything from documentation to negotiation, allowing you to focus on your family and recovery.
How We Handle Loss of Use Claims in Florida
At Otero Property Adjusting and Appraisals, we know that being displaced from your home is incredibly stressful. Our team is here to simplify the claims process and ensure you receive the financial support you need for temporary living arrangements.
Step-by-Step Claims Process
- Initial Consultation: We start with a thorough review of your insurance policy and the circumstances of your claim.
- Documentation: We document all additional living expenses, including hotel stays, meals, transportation, and other necessary costs.
- Claim Preparation: We prepare a comprehensive claim that outlines your Loss of Use expenses and submit it to your insurance company.
- Negotiation: Our team negotiates with the insurance company on your behalf to ensure you receive the maximum compensation.
- Settlement: Once we reach a fair settlement, we oversee the process to ensure your payout is delivered promptly.
Why Choose Otero Property Adjusting and Appraisals?
When it comes to Loss of Use claims, experience and attention to detail are key. At Otero Property Adjusting and Appraisals, we have the expertise needed to handle these complex claims effectively.
Extensive Experience with Loss of Use Claims
We have years of experience managing Loss of Use claims across Florida. Our team knows how to identify and document every eligible expense, ensuring that nothing is left out of your claim.
Local Knowledge
As a Florida-based public adjuster, we understand the unique challenges that come with living in a state prone to natural disasters. Whether your home has been damaged by a hurricane, flood, or fire, we know how to navigate the local insurance landscape to secure the best outcome for you.
Maximizing Your Settlement
Our primary goal is to maximize your settlement. We meticulously document every expense, negotiate aggressively with the insurance company, and make sure you receive the financial support you need while your home is being restored.
Common Loss of Use Expenses We Handle
At Otero Property Adjusting and Appraisals, we help clients recover a wide range of Loss of Use expenses, including:
- Hotel or Rental Home Costs: We ensure that temporary housing expenses are fully covered.
- Increased Living Expenses: This includes higher costs for meals, laundry, and utilities.
- Transportation Costs: If you have to commute from a temporary location, we include these expenses in your claim.
- Storage Fees: We account for the cost of storing your belongings while your home is being repaired.
How We Maximize Your Loss of Use Claim
Insurance companies may attempt to limit the scope of covered expenses or reduce the amount they’re willing to pay. As your public adjuster, we ensure that every expense is properly documented and justified, using our expertise to negotiate a fair and comprehensive settlement on your behalf.
What to Expect When Working with Us
When you choose Otero Property Adjusting and Appraisals, you can expect personalized service, clear communication, and a dedicated team working to secure your best interests. We guide you through each step of the claims process, keeping you informed and making sure your claim is handled efficiently.
Questions to Ask When Hiring a Public Adjuster
Before hiring a public adjuster for your Loss of Use claim, consider asking these important questions:
- What experience do you have with Loss of Use claims?
- How do you document and justify expenses to the insurance company?
- What are your fees, and when do you get paid?
We are always available to answer your questions and provide the information you need to feel confident in your decision.
FAQs About Loss of Use Claims
How much does a public adjuster cost?
We work on a contingency basis, which means we only get paid if you receive a settlement. Our fee is a percentage of the final payout, ensuring that we are motivated to secure the best possible outcome for you.
How long does the claims process take?
The timeline can vary depending on the complexity of the claim, but we work diligently to resolve it as quickly as possible while ensuring you receive a fair settlement.
Can you help if my claim has been denied?
Yes! If your Loss of Use claim has been denied or underpaid, we can review the details and help you file an appeal to secure the compensation you deserve.
Why You Shouldn’t Rely Solely on the Insurance Company’s Adjuster
The adjuster from your insurance company works to protect the insurer’s interests, often trying to minimize payouts. By hiring Otero Property Adjusting and Appraisals, you have a dedicated advocate who is committed to maximizing your compensation. We ensure that every eligible expense is included in your claim and that you are treated fairly throughout the process.
How to File a Loss of Use Claim with Otero Property Adjusting and Appraisals
Filing a claim with us is straightforward. Contact Otero Property Adjusting and Appraisals, and we’ll schedule a consultation to review your policy and assess your additional living expenses. From there, we handle everything—from documentation to negotiation—so you can focus on adjusting to your temporary living situation.
Contact Us Today
If you’re dealing with a Loss of Use situation and need a trusted public adjuster, reach out to Otero Property Adjusting and Appraisals. Our office is located at 3105 W Michigan Ave, Pensacola, FL 32526, and we are ready to help you secure the compensation you need to get back on your feet.
