FAQs

As you consider hiring Gables Insurance Recovery to help you recover a settlement for the damages to or loss of your home or business, you may find yourself with questions. Please look through these frequently asked questions for more information, and contact us anytime.

When should I contact Gables Insurance Recovery?

You can ask us to help you anytime during the insurance claims process:

When the damage occurs.
During the claims process.
After your claim is denied.
After receiving a bad settlement.

We will explain your insurance coverage, inspect the damage to your property, document your loss, and support your claim. We will aggressively pursue your claim by presenting objective findings and negotiate your settlement.

What is Gables Insurance Recovery?

Gables Insurance Recovery is a public adjusting firm that represents you, the insured, as you pursue an insurance claim. Our lawyers, adjusters, WIND Certified Umpires®, and other experts have 77 years of combined experience in the insurance industry. We understand how insurance companies work and strive to protect you against unfair treatment by insurance companies and pursue your claim to the maximum settlement possible.

What types of claims does Gables Insurance Recovery handle?

We have extensive experience with natural disasters of all types including hurricane, flooding, and storm surges. We can help you with claims related to wind, water, mold, fire, storms, plumbing break damage, and also with coverage disputes.

How does Gables Insurance Recovery handle my claim?

We aggressively engage the insurance carrier to maximize the benefits due to you under your policy. We identify your coverage, report the loss, and document all aspects of the claim. We work to ensure that a fair amount is paid to you by your insurance company. There are no up-front fees, and we do not receive any compensation unless you receive your settlement proceeds.

What does it cost for Gables Insurance Recovery to handle my claim?

Our clients do not pay us anything unless they receive a settlement from the insurance company.

How do I schedule an appointment with Gables Insurance Recovery?

You can contact us by calling us directly at one of our Locations and schedule an appointment with one of our representatives.
You can also schedule your appointment using the form displayed below.

What should I bring to my appointment?

When you come to your first appointment with Gables Insurance Recovery, try to bring any paperwork that will help your claim. Documents that will be helpful include:

Copy of your insurance policy.
Documents regarding losses.
After your claim is denied.
Receipts of temporary repairs

If you can, bring photos of before and after the incident that clearly show the damage. Photos can be very helpful in pursuing claims.

Where is Gables Insurance Recovery located?

Gables Insurance Recovery’s headquarters is located in the heart of Coral Gables, Florida, in Miami-Dade County.
Address:

Gables Insurance Recovery

4649 Ponce de Leon Blvd. Suite 301

Coral Gables, Florida 33146

Toll Free: (877) 278.5566

Phone: (305) 273.5566

Fax: (305) 662.2150

What is a public insurance adjuster?

A public insurance adjuster acts as an advocate for the insurance policyholder during the insurance claim process. Gables Insurance Recovery has several public insurance adjusters on staff, all of whom are trained and licensed to appraise and assess many types of home or business property damage and to prepare and negotiate claim settlements.

Public insurance adjusters work only for the policyholders and are different from insurance company adjusters and independent adjusters who work exclusively for insurance companies.

Our public insurance adjusters will:

Review and assess your insurance coverage.
Assist you with meeting the requirements of the insurance policy in order to comply with the defined time and damage requirements.
Define and appraise your losses, valuing damage, contents, interruption of business operations, and any additional expense claims.
Come up with the best strategy for pursuing the claim.
Represent your claim to the insurer.
Negotiate the best settlement for you.
Keep you in the loop during the claims process.

Gables Insurance Recovery has highly skilled and very experienced public insurance adjusters to best represent your needs. Our adjusters also are Certified WIND Umpires®.

What is a Certified WIND Umpire®?

WIND Umpires solve disputes between the insurance company and the insured (you). If the insurance company and the insurer cannot agree on the amount of the loss or damage, or the amount necessary to repair or replace the lost or damaged property, a WIND Umpire® will work to resolve the issue.

Having multiple WIND Umpires® on our staff gives us one more tool to help you negotiate a fair settlement. To read more go to The Wind Insurance Network website.

What should I do now?

So your Florida home or business has been damaged in a hurricane, flood, or other catastrophic event. Now what?

First, make sure that you, your family, and your belongings are as secure as you can make them. These are your most important assets so do this before you do anything else. Next, make sure to contact a qualified public insurance adjuster like those from Gables Insurance Recovery for assistance.

Here are some tips for filing insurance claims for damages after you’ve discussed your situation with an insurance adjuster:

Create a list of damaged items. Make sure to take pictures or video as well as a description. This is a time consuming process and a public insurance adjuster like those from Gables Insurance Recovery can help you.
Find temporary accommodations and make sure to forward your mail to the new location, and your phone number to your new phone.
Remove all valuables from your property if the property is not secure.
Read over your policy and ask your public insurance adjuster questions.
Contact your insurance agent as soon as possible. Most insurance policies have a timetable for you to start the claim process once the event finishes.
Negotiate the best settlement for you.
Keep you in the loop during the claims process.

As you pursue your claim, make sure to follow these steps:
Document all of the expenses incurred during this process. Keep all receipts and, if you can, log information about individual expenses. As time passes you might forget why a particular expense was incurred and a log is a great tool to help “tickle” your memory.
Log all your phone conversations, emails, and mail. You can keep this information with your expense log.
Notify your mortgage lender (if any) and your insurance provider if you plan to rebuild. There is usually a time limit for this.

Keep in mind that you are going to have to prove your loss; that will require experts to assess the situation. Know that any proposal from your insurance provider should always be in writing, and do not accept any proposal made verbally.