Licensed Florida Public Adjusters

🌀 When you are searching for Insurance Claim help, we bring you honest and accurate information about the Insurance claim process. We have decades of experience dealing with multiple different insurance companies. 

If you don't recover on your claim you don't have to pay a fee.

 You can reach us by email or by phone. Email: Ilcoanick@gmail.com  

When your home has been affected by a hurricane, fire, or other natural disaster, the effects can be devastating to you and your loved ones. The last thing you would anticipate is having a difficult time with your Insurance Company and their representatives, even if the process appears to be going smoothly, isn't it a good idea to hear a second opinion? It is time to take a look at a Public Adjuster and you should put Ilcoa, Inc. on your list of firms to speak and meet with. 

Insurance Companies have an obligation to investigate and pay you for your loss but who determines what is actually lost and how much that costs? A Public Adjuster is the only type of adjuster that can legally represent you and your interests within the claim process. Does it seem appropriate that the company that wrote your Policy, interprets the language of that Policy and then determines the value of your loss should be the ones making the decisions without any checks and balances? No, they should not, you need a state licensed professional Public Adjuster like Ilcoa, Inc. Insurance companies take great care in protecting their interests and you should do the same.

This is simply not the case, the adjuster assigned to your claim works for and has a fiduciary obligation to represent their employer, the Insurance Company and the Insurance Company has a fiduciary to their shareholders. This does not make them the evil empire, but it is a business model that can work against you. We work for you, the Policyholder and when we are hired to represent you, we enter into a Fiduciary relationship with you, our client. Your financial recovery is our top priority, and we take the responsibility of representing you and your interests very seriously. Call us to ensure that you receive the proper settlement on your claim.

Whether or not you have already filed an Insurance Claim, please take the time to contact us and discuss how the claim process works and how we work diligently on your behalf. Maintaining your household and family is work enough, you need an expert in loss management to help guide you through this process.
We help you find a temporary residence while the claim process, and your property restoration is under way. It is important to keep in mind you may be out of your home for an extended period of time so make sure you and your family are comfortable in your temporary home.

We then review your Insurance Policy and evaluate your coverages, Coverage A; for your Dwelling (Home) and other structures that may be on your property. Coverage B; for your personal property (furnishings, clothes, etc.). Coverage C; for your loss of use (temporary home, hotels) and whether or not your Policy has any additional coverages like; Ordinance/Law (Code Coverage) and landscaping to name a few.

We then perform a damage assessment to your structure(s) that has made us a leader in our industry, the difference? We have extensive commercial construction knowledge, it's not just in theory, we have managed over $39M in insurance loss reconstruction, including a $7M Public School rebuild and a $4M commercial mixed-use project due to fire(s) from start to finish. You either understand what it will take to rebuild, or you are guessing.
We also perform a thorough inventory of all of your Personal Property (Contents). We assess the damaged from undamaged property and set a value to all furnishings, clothes, etc. Once the entire inventory of all of these items are complete, we submit them to your carrier as part of our Claims Package.

After we present your entire insurance claim, we then begin negotiating the value of your entire claim. There are typically varying opinions and means and methods on how the scope of work, rebuild and value of the loss should be assessed. The Carrier often hires independent contractors and consultants to protect their interests and you should do the same.

The final step is to restore your property and get your home back to your specifications. It is critical that a complete understanding is established as to your settlement on the building and how repairs should be completed. There are many variables that your Policy could have, including, Actual Cash Value (ACV), Replacement Cost Value (RCV), Increased Cost of Compliance (ICC or Code Coverage) and Co-Insurance to name a few.
You really do need the help of a competent Public Adjuster when it comes to your Claim, please, take the time to set up a consultation with Ilcoa, Inc. and then decide for yourself what is best for you and your family.

 
                           WE ARE THE LEADER IN CATASTROPHIC LOSS SETTLEMENT