claims@estimar.us
833-ESTIMAR (378-4627)

Who We are

We are Estimar

Public Adjusters and Loss Consultants

We provide claims adjusting services to residential and commercial policyholders. Our staff has over 30 years of claims adjusting experience on both the carrier side and the public side, we can foresee carrier’s documentation requests and fulfill them before they ask so that your claim moves fast. We will also completely document your claim, in case any problems arise.

A 2010 report by The Florida Office of Program Policy Analysis & Government Accountability (OPPAGA) confirms that Insureds with Public adjusters recover more. How much more? The report states “claims related to 2005 hurricanes, with public adjuster claims resulting in payments that were 747% higher.” (click here to read the report)

How does this correlate to Estimar’s recovery success rate? Very close and very true. Often, we completely beat the report average. A random sampling of claims from our database yields the following.

Of course, each claim is different and in no way can we guarantee results. However, it is true that past experience is a good indicator of future results. With Estimar the results are accurate complete recoveries so that you get what you are entitled to out of your insurance claim.

Why Should you hire a PA? We can list many reasons, but it is best if others say it.

"When a person feels the company's assigned insurance adjuster does not have their best interest at heart, or there are disputes in the claim assessment that have not been resolved by the insurer, hiring a public insurance adjuster is an option to get a second opinion and try and obtain a favorable claim settlement." (The Balance)

But no one can put it better than a reader of homeownersadjuster.blogspot.com. A commenter wrote “Public Adjusters exist because of the inherent conflict of interest that exists when one person or entity attempts to represent two sides of a financial transaction... “ (homeownersadjuster.blogspot.com)

Better reasons we cannot think of. You can also go to our testimonial page and see text and video entries of customers. One of them is an insurance agent. If an agent felt they needed our help, we think you do too.

Do not let your claim be documented and estimated by someone who works at the insurance company and uses their "estimating guidelines" (Yes, some use those despite repeated assertions they do not). Often the decision-maker is not the person who visited your home. Due to turnover, they may assign one or many different adjusters to your claim throughout the process (see the story of Allan Bense, former Florida House speaker and his hurricane Michal claim here). Each adjuster will have a different approach and level of experience and expertise. There might be hidden damage that the field adjuster misses. Many other things can go wrong. Estimar will make sure that your insurance company covers every applicable damage ensuring a full recovery after your loss so you can Do Repairs Right!

Our Mission

To faithfully represent our clients in the claims process and secure for them the full benefits of the policy for which they are entitled.

Our Vision

We are passionate about our work and we provide an enjoyable experience to our clients. We provide innovative adjusting solutions and methodologies always keeping in mind constant client contact, affordability and professionalism.

01

Pre Claim Stage

Documenting with photos and videos, calling required experts to mitigate losses

02

Claim Stage

Calling carrier same day or within 24 hours to report loss

03

Investigation Phase

Assist carrier determine cause of loss, scope of repairs, prepare estimate and gather required documents

04

Negotiation Phase

If and when carrier offers payment and it is not the amount needed to effect repairs, we can employ one of many strategies to get the settlement you deserve

Are you ready to Start?

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Client Testimonials

We Love our Clients, What our clients say about me.

Most aggressive and professional adjusters. We will fight for you. But don't take our word for it... Listen to what current clients have to say.

Actual client

(c) Estimar

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What People are saying




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Helping a widow with her claim

On January 2020 Estimar received a claim from a reluctant far family member of one of the principals. Her mother had just become widowed during Irma and with the funeral and other arrangements she had not had time to arrange for her claim.

Her daughters convinced her and we began the claim process. This particular insurer was swamped with claims they took 9 days just to assign an adjuster. This despite our repeated calls to their office which is close to ours. We scheduled the inspection and before they even inspected, they submitted a reservation of rights. Known colloquially as a ROR letter in claims circles, this letter is to let the insured know that there may be issues that could result in denial. Yeah, they wanted to deny an Irma claim on a widow, because they (the insurer) claimed she reported too late.

These people have no heart.

Estimar prepared it’s claim, an estimate and Proof of loss. We started following up with the carrier every 10 days for payment. The claim began to get old. 50 days, 60 days, 70 days, 80 days, 90 days. The statutory limit. On day 91 we sent this email to the adjuster, the vice president of claims, and the CEO. It helps to know who is who.


“Dear xxxxxxxxx claims,

The above-referenced claim was reported on 1/27/2020. Today it is 91 days. We have made multiple attempts, as we always do, to speak to the examiner driving this claim to no avail. That’s because for much of the 90-day period, there was no Examiner, or the CSR’s were telling us there was no examiner, when there was one. Whether it is lying or incompetence, it is still a breach of adjuster ethics to lie to the insured about the claim. Attached you will find 2 phone calls made yesterday. One to a CSR where they state no examiner had been assigned. The second one, minutes later, to the field adjuster where he states Mr. xxxx is the examiner. So XXXXX reps are speaking 2 different things on the same claim. Moreover, XXXXX has not sent any document request on this claim, just like the two claims handled by xxxxx xxxx that were denied the same day we complained to you Mr. xxxxx. This is the third claim managed by Estimar that 1) goes over 90 days, 2) has no examiner assigned until really late in the 90 day window, 3) we make multiple attempts to contact and no response, 4) we submit a POL and documents without XXXXX making a single request; within 7 days of each other. If you count other occasions, this is at least 12th or 13th. We are not a big shop. So for XXXXX to rack up this kind of record with a shop that maybe moves 100 claims a year is not good. Are you guys not aware that when you do not put an adjuster on the claim, the executives bear the fault of any Adjuster Ethics violations? You must know that, you guys are surrounded by lawyers and expert claim handlers.

Please have someone get on the driver seat of this claim. It is unfair to the insured that we have been waiting this long. We know you can move claims faster than this. Yesterday, I interviewed an insured of yours who did not use a PA. “You” did a virtual inspection. “You” asked him to take measurements (which he kindly provided to us) and paid the claim in 30 days. All without asking for a POL. We know you do not handle claims for insured’s without PA’s the same way as you do those with PA’s. That is a violation of adjuster ethics. They state:

(3) Code of Ethics. The work of adjusting insurance claims engages the public trust. An adjuster shall put the duty for fair and honest treatment of the claimant above the adjuster’s own interests in every instance. The following are standards of conduct that define ethical behavior, and shall constitute a code of ethics that shall be binding on all adjusters:

(b) An adjuster shall treat all claimants equally.

We know you do not treat all claimants equally...

(c) An adjuster shall not approach investigations, adjustments, and settlements in a manner prejudicial to the insured...

It is prejudicial to the insured to hold out a claim just because they have a PH rep. It is prejudicial to the insured to fail to provide them guidance on resolution of the claim.

(f) An adjuster, upon undertaking the handling of a claim, shall act with dispatch and due diligence in achieving a proper disposition of the claim.

Where is your dispatch? Where is your diligence? You hadn’t even assigned an examiner, as far as you told us until yesterday. Or where you lying to us?

(j) An adjuster shall not knowingly fail to advise a claimant of the claimant’s claim options in accordance with the terms and conditions of the insurance contract.

Where is your RFI? Where and when did you submit? Why have you not communicated to the insured their options?.

All we ask is the same level of attention you obviously give others. All we ask, is for diligent handling. Timely handling. Correct handling. If you need something, say it quick. If we already submited it, don’t tell me to submit again. You are already required to do this. We are not asking for special treatment.

A copy of this email and phone call will be submited to the state DFS complaint filed last night.“

We also filed a complaint with the state. We send them the email we sent the insurer along with the recorded calls. A lot of help those do. The state is either powerless or unwilling to exervise it's power in this regard. And we asked our attorney’s to file a CRN. Another 60-day window.

The CEO didn’t respond, but one of the Directors did. An examiner was finally assigned over 100 days after the claim was reported. Without requesting any documents, the Examiner sent us an offer to pay with a release. An offer that can only be categorized in one way, insulting. Our estimate was $139,000.00. Their initial payment was 8,000 plus deductible. Their offer, an extra 10,000. As is our custom, we discussed the issue with the insured and then communicated to the insurance company their offer was being rejected. A few days later they increased their offer to 15,000, what a joke.

In consultation with the insured, we invoked appraisal. After appraisal and after the insurance company tried to legaleze us on the policy death clause and who should be on the check (they utterly failed) these were the results.

Initial Payment to Insured - $4,391.85

Final Payment to Insured - $98,076.68

Keep in mind this was agreed to by the appraiser they chose, and the appraiser the insured chose. Could you imagine the money the insured would have missed out if they had taken the settlement offer of 15,000?

The insured almost did. We had to convince them not too. We think that since we caught the insurance company lying in voice recordings, the insured could have sued for bad faith and won big. But the family is very religious and does not like disputes. The process took almost a year. But when you are fighting big numbers like these, they tend to take a little bit. Trust your PA, trust. Moreover trust Estimar to get you the money you need to Do Repairs Right!

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PRIVACY

Estimar's Privacy Policy

You are concerned about privacy, we got you covered!

At Estimar, protecting your personal information is one of our top priorities. We are committed to maintaining transparency and upholding your privacy rights in all our interactions. Below is an outline of how we manage and safeguard your data:

Data Collection and Usage

We collect personal information necessary to process your insurance claims and offer related services. The information we collect may include, but is not limited to, your name, contact details (such as but not limited to address, phone, mobile, email, etc.), claim details (such as claim number, date of loss, policy number and dates, cause of loss, details of loss, photos and sketch of the house, communications logs, emails, user id and password, ip address, publicly available information (such as property appraiser’s reports, permit records, data available in social media, etc.), and other relevant documentation or information we deem necessary for the managing of your claim. We may use this information to:

  • Process and manage your insurance claims.
  • Communicate with you regarding our services and updates.
  • Offer related services from Estimar or our Principals and Partners that may be of interest to you.

Our website is hosted with Newfold Digital in Jacksonville, FL. We take appropriate measures to ensure that your data is processed and stored in compliance with applicable data protection laws. This includes safeguarding your information during transmission and storage, as well as implementing security protocols to protect your data from unauthorized access.

Data Security

At Estimar, the security of your personal information is of utmost importance. Our database is encrypted using 256-bit encryption, ensuring your data is well-protected against unauthorized access and theft.

Our codebase is designed t to prevent unauthorized access to our systems. We protect against vulnerabilities that could compromise your personal information.

Furthermore, our proprietary database is owned and managed solely by Estimar, without reliance on third-party vendors. This ensures that your data is secure, free from external access, and protected from hidden terms of service agreements that may jeopardize your information. We take your data security seriously and are committed to implementing robust measures to protect your information. However, we recognize that no system is entirely immune to malicious exploits. In today’s evolving security landscape, characterized by the rise of sophisticated threats and malicious actors, we continually strive to enhance our security protocols. While we make every effort to safeguard your data, we cannot guarantee complete protection against all potential risks.

Proprietary Data Systems

Estimar owns and operates a proprietary database that includes all data storage and management. We do not rely on third-party vendors for database management, eliminating any risk associated with external entities accessing your data through obscure terms of service (TOS) agreements. By keeping control over the code and database infrastructure, we ensure that your information remains secure and confidential.

No Sale of Data

Rest assured, we do not sell your personal data to anyone. Your information is used strictly for the purposes of managing your claim and offering related services that we believe may benefit you.

Data We Will Share

To effectively manage and process your claim, Estimar may, or be required, need to share certain data with relevant parties. We ensure that your information is shared only when necessary and with your privacy in mind:

  • Insurance Company and Representatives: We will share your data with your insurance company and their representatives for the purpose of managing and negotiating your claim. This includes providing necessary documentation and details required to facilitate the settlement process.
  • Vendors: To facilitate interactions and services related to your claim, we may share specific information with your vendors. This may include your name, address, phone number, claim number, policy number, and other personal identifying information (PII) or claim identifying information (CII). However, claim details, such as the scope of loss or amount of loss, will never be shared with vendors.
  • Communications with Us: We are required by law to share any communications and notes between you and Estimar if requested by legal or regulatory authorities. This includes any documentation, claim notes, email exchanges, text messages or conversations relevant to your claim.
  • Estimating Services: We share some of your PII and CII data with estimating platforms. They are, but not limited to, Xactimate, CCC One, Simbility, etc. Your claims-related estimate is prepared in these platforms and this data is uploaded to their servers. Please check their data retention and security policies for more information.
  • Other platforms: To enhance our business operations and improve the services we provide, Estimar may occasionally utilize commercial platforms and third-party services. These platforms, such as SurveyMonkey and others, are employed for various purposes, including data collection, customer feedback analysis, and communication management. When we engage with these platforms, we prioritize your privacy and ensure that any data shared is done so in compliance with applicable data protection laws. The information we may share with these platforms could include, but is not limited to, your name, email address, and other relevant details necessary for the specific service being provided.

We take care to choose reputable platforms that maintain high standards of data security and privacy. However, we encourage you to review the privacy policies of these third-party services to understand how they handle your personal information. While we strive to protect your data when shared with these platforms, we cannot guarantee the security of any information you provide to them directly.

In addition, we may use aggregated and anonymized data from our interactions with these platforms for analytical purposes, business insights, and to improve our services. This data will not be identifiable to you personally and will be utilized solely for the purpose of enhancing our operations and service delivery.

Your Data, Your Rights

Under Chapter 626 of the Florida Statutes, Estimar is required to retain certain records and information for a specified period, depending on the nature of the claim. While we are obligated to retain your data for this statutory period, once the mandated retention period has passed, you have the right to request the deletion of your personal data from our systems, in compliance with state laws.

  • You have the right to access, review, or request corrections to the personal information we have collected.
  • We will retain your data for the required duration specified under Florida law (Chapter 626), after which you may request its deletion.
  • Please note that some records may need to be retained for regulatory, legal, or legitimate business reasons, even after deletion requests are made.

If you would like to exercise any of these rights or have questions about how your data is managed, please contact us, and we will address your request in compliance with Florida state regulations.

Data Retention Policy

The purpose of this policy is to outline how Estimar retains, manages, and disposes of claim-related data in compliance with applicable laws, including Chapter 626 of the Florida Statutes. While we retain Personally Identifiable Information (PII) indefinitely to maintain client relationships, claim data will be deleted according to statutory and business requirements.

Retention of Personally Identifiable Information (PII)

  • Personal Information: Estimar retains PII, including names, addresses, phone numbers, and other contact details, indefinitely. This allows us to maintain accurate records for ongoing and future interactions.
  • PII is stored securely in our 256-bit encrypted database and is protected against unauthorized access through our proprietary data security systems.

Retention of Claim Data

Estimar retains claim-related data for the minimum required period as dictated by law. This includes:

  • Claim Number: Retained for a period of five (5) years after the settlement of the claim.
  • Claim Documentation: All supporting documents related to the claim will be retained for a period of five (5) years.

Changes to this Privacy Policy

Estimar reserves the right to update this privacy policy as necessary. Any changes made will be communicated to you through our website and through direct communication when required. Please review this policy periodically for updates.

Deletion of Claim Data

  • After the mandatory retention period has expired, claim-related data will be securely deleted from our systems.
  • Deletion involves the complete removal of claim-related records from our database, ensuring that no recoverable copies exist.

Exemptions

Certain records may be exempt from deletion requests and retained for longer periods if required by regulatory authorities or ongoing legal proceedings.

Business Transfers

In the event that Estimar undergoes a merger, acquisition, restructuring, or sale of all or a portion of its assets, your personal information may be transferred as part of that transaction. We may share your data with potential buyers or investors in connection with due diligence processes, and any such transfer will be subject to the terms of this privacy policy.

If your information is transferred to a third party in such circumstances, we will take reasonable steps to ensure that your data remains protected and is used in accordance with this privacy policy. We will notify you of any significant changes in the handling of your personal information resulting from such a business transfer, including any new privacy policies that may apply.

Additionally, in the unlikely event of a bankruptcy or similar event, your information may be one of the assets transferred to third parties. We will strive to inform you in advance of such a transfer, where possible, and ensure that your rights under applicable privacy laws are upheld.

Policy Review

This policy will be reviewed annually or as necessary to ensure compliance with evolving data protection regulations and business practices.

Contact Us

For more information about our data privacy practices, or to make requests regarding your data, please contact us. You can also see our data privacy on our website, www.estimar.us.