We Know Public Adjusting
Phil Coutu, Owner of Rooftop Restoration, Inc. and it’s Roofing Division, Rooftop Roofing is dedicated to help Floridians recover from the devastation that is caused by a hurricane. Our practice is 100% dedicated to legal matters involving hurricanes and natural disasters.
Phil Coutu works seven days a week to help our clients resolve their hurricane damage claims with their insurance companies. What makes Phil Coutu unique is his dedication and approach to solving our clients’ hurricane insurance problems. It is a seasoned profesional who handles your case and who will personally meet with you at your home to evaluate your hurricane damages and discuss your legal concerns. We are available seven days a week and will work around your busy schedule. We understand how a hurricane can disrupt your life and will work with you to put things back together.
Our goal is to aggressively represent our clients and provide them with security, comfort, and expert legal advice. Our firm is dedicated to providing our clients with professional legal services and to act as staunch advocates on our clients’ behalf.
We want our clients to know that we are the ones they can trust with all of their legal concerns, and that we are always available to them. Please browse our web site and contact us with any legal questions or concerns you may have at 1 877-767-9112.
Rooftop Restoration, Inc. and it’s Roofing Division, Rooftop Roofing, Inc specializes in restoring homes, which have been damaged due to high winds and hail. We have over 17 years of experience in the storm restoration process and insurance industry.
We work hard with the insurance companies, so you don’t have to. We handle all the paperwork, and in most cases the only expense to you, the homeowner, is your deductible.
Rooftop Restoration, Inc. and it’s Roofing Division, Rooftop Roofing, Inc. is a preferred provider for many large insurance carriers.
What you can expect:
A visit from our experienced storm damage inspectors. If we find damage to your home, our inspectors will point the damage out and instruct you on how to file a claim with your insurance company.
Typically, your insurance provider will send an adjuster out within the next week. At this time it is best to have us present for the adjustment. We will help the adjuster spot all the damage, and ensure that nothing is overlooked.
Once your insurance company has concluded that your home has been damaged, Rooftop Restoration, Inc. and it’s Roofing Division, Rooftop Roofing, Inc. will work with you to discuss replacement products, as well as, what you can expect to happen. After you have decided on your products and approved the replacement, your project will enter production.
Remember, storm damage is considered an “act of god” and therefore, your insurance company in most cases cannot raise your insurance rates for filing a claim.
Why You Need Phil Coutu As Your Public Adjuster
Most people who have a claim have no idea how to prepare and adjust it. They more or less rely on their “insurance adjuster” to do that for them. BIG MISTAKE! What you must understand is, it is the “insurance adjusters” job to make company inspired settlements with policyholders, most of whom lack the fundamental information and adjusting skills to be on a level playing field with the adjuster. Phil Coutu can help you level the field.
Knowledge is leverage. The more you know, the more power you have, and insurance adjusters are well trained to cut corners and save their company money and, more and more, look for ways to avoid paying claims. You need someone as well trained in your corner looking out for your interests. The objective in adjusting should be to get as good a result as possible, as quickly as possible, as trouble free as possible. Most policyholders will continue their fate of dealing ineffectively due to the fact that they lack ability, information, and understanding.
To adjust is to negotiate. An adjuster is a negotiator. Usually, only the person representing the insurance company is considered the adjuster, and the policyholder receives his/her adjustment, as previously stated, from a company inspired adjuster. In order to arrive at an adjusted settlement, each side has its own needs to satisfy. The less you know, the more likely you are to be forced to meet the needs of the insurance company. You must know your needs! * You must know your rights! A Public Adjuster can help you with both of these. If you don’t know what to expect and how to get it, you may become overwhelmed and give in too easily.
No one knows the outcome of an adjustment beforehand. Therefore, it is impossible to anticipate to what extent either party will give in to the needs of the other. Bargaining power becomes the main ingredient in adjusting. It usually comes about naturally as facts come to the surface. Adjusting is a matter of give and take, and unless you are dealing from a position of strength and knowledge like a Public Adjuster can offer, you may be forced to give too much.
Insurance adjusters facing a knowledgeable public adjuster usually enter on a more cooperative basis, and there is a strong likelihood that each will strive for common goals.
Usually a policyholder is having to deal with a claim at a time following a disaster. Psychologically, most people are not up to the task under these circumstances. It is very common to see people in a state of shock, confusion and helplessness. A professional public adjuster will be emotionally level and competent.
The time of a personal disaster is not the time to be thinking about all of this for the first time. Think about it now and take comfort in the knowledge that a Public Adjuster can be there to protect your interest if indeed the unthinkable happens to you.