Month: August 2024

Hello, my name is Sterling Scott, and I am the owner of Trust Public Adjusting Group, a public adjusting firm that I founded nearly a decade ago in Daytona Beach. We have assisted thousands of local property owners with residential and commercial insurance claims. As an expert in property insurance claims, I am dedicated to sharing my experiences, industry knowledge, and helpful information with the community.

When a licensed public adjuster from Trust Public Adjusting Group visits your property for a free inspection and policy review, the first thing we scan for is whether there is an “Our Option” clause within your policy, also known as the “right to repair.” This clause is common in Security First Insurance policies but can be found in other policies, too. If your insurance provider is Security First, I recommend checking with your agent to see if your policy includes this clause.

My advice is to remove the “right to repair” option from your insurance policy. The premium savings are not worth the potential drawbacks. This clause allows your insurance company to select the contractors who will perform the work on your property and define the scope of the work, removing your freedom to choose.

I have seen numerous instances where work done by “right to repair” contractors had to be redone by contractors chosen by the policyholder after a long-drawn-out process. Most of the time, the contractors do not do the work with the quality the property owner expects.

Contact your insurance agent to see if your policy includes this option and have it removed to regain control over your insurance money, the contractors of your choice, and the scope of work.

If you would like one of our public adjusters to come to your property for a free inspection and policy review, please feel free to contact our office or visit us. We are located on beautiful A1A, just north of Dunlawton.