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Can You Cash an Insurance Claim Check?

picture of person writing a check for recoverable depreciation

Can You Cash an Insurance Claim Check?

Many of my clients ask me, can you cash an insurance claim check?  My answer that is, “it depends.” There are a few factors which you have to look at before that question can be answered.  Does the home have a mortgage? Who is the check made out to? Who will be doing the repairs?

Whether you can cash an insurance claim check may depend on your lender.

In most cases, you are going to be required to use the money for repairing the property.  After all, that was the point of the claim in the first place. If there is a mortgage on the property, you can expect the mortgage company to come and do an inspection to see if the repairs were done.  Remember, since the mortgage company is technically an owner of your property until you make your last payment, they want to make sure that you actually do the repair, because in case you decide to walk away from your mortgage and abandon the house, the bank does not end up with a property that they have to rehab in order to sell.  

Public Adjuster Secret Strategy for Cashing an Insurance Claim Check

This is my advice:  Since the biggest pain is dealing with a lender who wants to give you your money in small increments, what you need to do is get 100% of the work done and THEN call the lender and tell them its finished.  Now, I get it, in certain cases you just don’t have the money or the job is way too big.  However, a good way to get the lender to sign the check over to you is to show them the work is all done.  Don’t have them come to your house to inspect the job to see that you are partially done.  When you have them come and inspect, you should be able to show them it’s COMPLETELY done.  You can do this by getting a line of credit from the bank, getting a personal loan, or even a disaster assistance SBA loan.  The SBA usually has a fantastic payback deferment of several months without interest, which is enough time for you to get the work done completely.

You can call us direct: 954.659.8333 Alan Himmel, Public Adjuster.  I will do my best to Help you.

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Debbie Hay
Debbie Hay
14:42 26 Jun 24
Highly recommend. Communicates consistently and clearly. On time for appointments and answers all questions. Above all Alan displays a high level of integrity and cares about his clients.
Tania Fernandez
Tania Fernandez
16:52 25 Jun 24
When my husband and I found ourselves in a difficult situation, Alan can the day of and provided us with very helpful information. He was knowledgeable and provided us with the next steps needed. Although our situation did not require his immediate help we’ll definitely be contacting him in the future. Thanks a bunch!
Lauren Shirosky
Lauren Shirosky
19:46 23 Apr 24
During a difficult time. Alan was there to help my family and I. We couldn’t of made it through it with out his services. He is very professional, knowledgeable and cares for those who he assists. Great company! 5 plus 5 stars. Definitely a 10!
Robert Scholtz
Robert Scholtz
16:41 22 Apr 24
We appreciate Alans hard work after UPC closed up and ran away. Despite all the odds he persevered and fought for us even when we ready to give up. It's heartening to know there are men like him in the world.
Belinda Rhanes
Belinda Rhanes
23:16 09 Apr 24
We contacted Alan in reference to concerns we had with our claim we had open with our insurance desk examiner. We explained the situation and he gave us excellent instructions on how to handle the situation and ensured that he would be available if needed. He was patient during our telephone conversation and did not charge us.
goom bash
goom bash
01:14 11 Oct 23
Went waaaay above and beyond any duty to share excellent tips and advice on how to maximize my "total loss" stolen and damaged vehicle
Merdee Matteo
Merdee Matteo
01:34 06 Aug 23
I had a wonderful experience with my Public Adjuster, Alan. Alan is extremely knowledgeable about the insurance industry. When I found Alan on my internet search, I was having a hard time with the insurance company low balling the claim. When we met, Alan inspected the property and the damage caused by a leak and told me he would get me a good settlement. I didn’t think it was possible based on my dealings with the insurance company in the past, but Alan came through for me. Alan is very professional and a caring individual. He not only helped me, but the first time I met him he had to take a call from another client and apologized and excused himself. When he finished his call, which was quick, he apologized again. This showed me that he cared about his clients and the service that he provides and the work that he does. I signed on with him instantly and had a wonderful professional experience with him. He responded to all my calls and text messages and kept me informed about the process and what was going on with the claim. He is a good person and we are blessed to have him in an industry that only cares about their bottom line. I would recommend him to anyone and all of my family members. Thank you so much Alan for all your hard work. I truly appreciate you. Hopefully, I won’t have any other issues with my insurance company, but if I do, I know who to call. All the best, Marcia.
Harriet Upshaw
Harriet Upshaw
15:44 24 Jul 23
Very valuable service!!! Very professional and quality service
vivian lam-casimiro
vivian lam-casimiro
23:11 12 Jul 23
Alan is a wealth of knowledge. He was so thorough and detailed through the whole process. I would highly recommend Alan. Hire him and your claim will definitely get paid to the fullest.
Angel Harris
Angel Harris
02:45 23 Dec 22
I had no idea what I was doing. This company did all the work and got my claim handled. If needed in the future I will be calling them.
SHAIN H
SHAIN H
18:32 15 Aug 22
Alan made the whole process easy to understand and took every call. I would highly recommend Florida All star public adjusting
Roosevelt
Roosevelt
11:25 02 Aug 22
Working with Florida Allstar Public Adjusting was a pleasure. They have proven to be greatly knowledgeable during my claim process. Their experience is telling when interacting with them leading to a more than satisfactory insurance settlement.
Ernesto Cortes
Ernesto Cortes
18:38 20 Jul 22
Florida Allstar Public Adjusting was amazing to work with. From the beginning Alan made the process simple. There were some road blocks along the way as these things go but with hard work and perseverance he got it done. When it comes to dealing with insurance companies you will be lucky to have Florida All Star Public Insurance and Alan on your side. Ernesto Cortes/ Deerfield Beach, Florida
Ronald Manuel
Ronald Manuel
15:46 28 Jun 22
Excellent and professional a job well done no do overs completed on first attempt at filing. VERY FAST EFFICIENT received insurance funds fast due to Alan's complete pictures and description of damages THANK YOU FOR A PROFESSIONAL JOB WELL DONE USMC RETIRED
Jay K
Jay K
03:55 24 Mar 22
Alan was a great resource when I needed help to file a claim for damages that occurred in my house. I had no idea the tedious tasks that would be involved when dealing with property damage claims. Alan took care of everything, from estimating the cost of repairs to finding an appropriate legal defense team to help fight for my rights as a property owner. I would definitely recommend Florida Allstar Public Adjusting when dealing with property loss issues.
Steven Huynh
Steven Huynh
01:32 08 Dec 21
Very good very good very good thankyou for enything
Charlotte Wright
Charlotte Wright
04:04 06 Dec 21
Alan was extremely helpful and informative! He made sure I got a fair payout from my insurance company for damages received during hurricane Sally! I would highly recommend reaching out to him with any of your adjuster needs!
Ligia Herrera
Ligia Herrera
23:04 01 Dec 21
It was great service,Alan was very paciente and profesional
Lunel Iland
Lunel Iland
10:26 10 Sep 21
Dealing with insurance companies is not an easy task. Especially as first home buyers they can take advantage of you. My adjuster Allen went above and beyond to assure I can rest easy knowing that all would be handle. He fought real hard till the insurance company finally paid what they should have. The process is not an over night process, but as long as you work along side your adjuster, it make it easier and it will help the process. Overall I highly recommend Florida Allstars Public Adjuster a 100%. Good work Mr. Allen and thank you.
Hazel U
Hazel U
00:54 03 Aug 21
This is the first time I’ve ever had to deal with my home insurance company (water damage). I am thankful I chose to use Fl Allstar Public Adjusting to help handle this issue.The Adjuster assigned to my case (Alan Himmel) was wonderful! He was very knowledgeable, extremely patient & thorough when going through the findings & especially when dealing with the insurance company.With his help I received a fair claim that will allow me to repair, and re-do, my bathroom.I would never have had the patience , or knowledge to go at this alone…And that’s what the insurance companies are banking on. Highly recommend using them!
Shobha Khambhati
Shobha Khambhati
15:44 15 Jan 21
Alan at Allstar Adjusting exceeded ourexpectation from beginning to end.He always kept in communication with usand answered all our questions. We trusthis knowledge and judgement and we sat backwhile he did our appraisal and he got us everything.
David Gray
David Gray
22:47 07 Jan 21
Florida Allstar Public Adjusting, Inc. helped me to get the settlement that I deserved from my Insurance company. My house was damage by a Cat-5 hurricane in Panama City, Florida. Hiring a professional from Allstar Public Adjusting made all the different in getting a payout from my Insurance Company and getting my house repaired. Allan, my adjuster was very professional in the assessment of the damage to my property. He was always available to answer questions and would show up to discuss in person any concerns. I am very pleased to say that I have the monetary amount I need to complete the repairs to my home. I’m in a good place because of Alan for Florida Allstar Public Adjusting, Inc. If you need help call Allstar Public Adjusting and you will not be disappointed. Don’t panic! Call Alan at Allstar Public Adjusting to get your home repaired
Ebbro PH
Ebbro PH
14:02 26 Oct 20
This is an amazing!
Joseph ricky Jean-baptiste
Joseph ricky Jean-baptiste
16:18 21 May 20
Great experience. Was scared because never went through that process before but made things so much easier and transparent
Kathryn McCroan
Kathryn McCroan
16:16 18 May 20
Alan was very helpful in getting our insurance company to pay us. The insurance company sent us a small check after Hurricane Michael that was not nearly enough to cover all our damages. Once Alan became involved, a settlement was reached and all our repairs have been made. Alan kept in touch with us through the whole process and we certainly couldn’t have done it without him. I highly recommend him and his company. He is great at what he does and we are very satisfied. So if you need his help, contact his company. You won’t be sorry.Kathryn & Kenneth Pittman
Taneille Robinson
Taneille Robinson
18:04 19 Apr 20
Claim details and communication were on point. Great experience
Grady Dalton
Grady Dalton
23:35 13 Apr 20
Thanks to Alan doing an amazing job with our insurance company we was able to get additional money to do the needed repairs on our home after hurican Michael.He did all foot work for us n kept us in the loop. He was available to talk with us n answer all our questions.Thank you so much from the Dalton's
Lew Glinton
Lew Glinton
23:23 08 Dec 19
We submitted a claim to Citizen Property Insurance Corporation, knowing that they were very difficult to deal with, we hired Florida All Star Public Adjusting, Inc. to assist us. Dr. Alan was with us every step of the way, kept us aware of his correspondence with the insurance company. Dr. Alan is professional, reliable, and fights for his customers. 51 days after filing our claim, Florida All Star Adjusting, Inc. presented us a check for the full amount of our coverage.Louise & Lew GMiramar Fla.
Ingrid Moss
Ingrid Moss
14:41 24 Nov 19
I had the pleasure of working with Alan on a claim that literally has taken over a year to resolve with my homeowner's insurance. Alan and his team of professional colleagues took the time to explain the claim's process and kept me updated throughout the entire time. I called Alan on a Friday after 5 PM he was at my home within a couple of hours with resources and knowledge on how to proceed with the insurance company. I will definitely work with Alan in the future and highly recommend Florida Allstar Public Adjusting, Inc.
Carolyn Gatlin
Carolyn Gatlin
19:07 14 Nov 19
I would like to thank Alan for all that he has done for me and my father. He came in and handled the claim for us because we didn't know what to do. He took all the stress and worries off us he did a outstanding job i would recommend him to anyone thank again Alan for all your hard work and time and support. You are the greatest.
Steven Silverberg
Steven Silverberg
17:51 02 Nov 19
I met with Shawn and he is an amazing public adjuster. I highly recommend him. The knowledge, care, and passion he has for his job directly translates to his clients. He is always available and wants the best for his clients. A definite top choice if you need a public adjuster.
Helene Rubin
Helene Rubin
23:41 20 Aug 19
This is our second time using Alan. He goes above and beyond from beginning to end. Rest assured he is doing his very best for you. He makes the process as painless as possible.
Deborah Comstock
Deborah Comstock
22:45 20 Apr 19
After Hurricane Michael I was confused on what the next step was because my insurance company gave me no advice. They told me that an adjuster would be coming out to see us. I went to my neighbor next door and I met Dr. Alan Himmel a Public Adjuster and Chiropractor. At that time I had my work car and it had the name of the company I worked for which is also a Chiropractor. We made small talk about the Chiropractic business but then I asked a couple of questions about my home. Alan took the time to answer them even though he was not my public adjuster. This happened a couple times when I would see him at the neighbor’s house I would ask him questions and he always answered them and never did he try to push his public adjusting business on me. He gave me advice on getting a restoration company to come in and check for water and mold. I contacted the restoration company and even though he still was not my public adjuster he came to my home while they were here to check up on things and make sure everything was working out. Then I got a call from my insurance company and they told me I was getting two checks and the amount I was getting was not even enough to put a roof on my house. Well, I had a lot more damage than my roof so I decided to call Alan and ask him what I should do. He asked me if I had my checks yet and I told him they were being mailed to me. He told me to wait till I got my checks then deposit them and that if I wanted him to help me to get the money I needed to fix my house he would be happy to help. He waited until I got my initial settlement before having me sign with him which means he did not get any of that part of the settlement. I signed on with him and he came to my home and spent several hours and took over 100 pictures. He spent many hours working my claim and anytime we found something new he added it in. I never waited more than a day to hear from him if I needed an answer about something or to talk to him, most of the time it was the same day. He even answered me at midnight once because he was up. He finalized my estimate and when they decided to send out another field adjuster to look over everything that was in his estimate he flew up here to meet the adjuster. I thought that was awesome. It took a couple of months from beginning to end for him to negotiate everything but he was able to get me everything I needed to fix my home. Alan is very professional, thorough and he tries to perfect his claims for his clients. He cares very much about every client he signs up. He is very calm and knows how to ensure you that he is working hard and will get you what you need. He is very faithful to his clients.
Angelica Diez
Angelica Diez
19:07 27 Jan 19
We had a great experience with Alan. He was very professional, responsive, and willing to assist every time we had questions throughout the process.Dealing with insurance companies can be a hassle, but Alan made it easy for us. We highly recommend him to anyone that need an excellent and caring public adjuster.
Melissa Vilchez
Melissa Vilchez
00:26 07 Sep 18
Alan Himmel literally saved our home. I can never say thank you enough to him. He went more than above and beyond to help us with our troublesome claim. My family and I are eternally greatful for his hard work. This company is honest, trustworthy and committed to you 100%. Alan went through alot with our claim our insurance safepoint is an absolute nightmare. They changed claim managers three times and would always give him the run around. Nevertheless he persisted and pushed. Thanks to him today we have a new roof on our home. I 100% recommend this company to anyone needing an adjuster.
Emilo Petit
Emilo Petit
18:32 19 Aug 18
This company is amazing, and very professional. I am extremely satisfied with my ending results. I will recommend to all my friends and family.
Sabrina M
Sabrina M
23:23 04 Aug 18
Very professional and went above and beyond in taking care of my claim. Dealing with the insurance company was stressful before hiring Allstar Adjusting. We started working with Allstar Adjusting and our claim was handled quickly and we are excited to begin our repairs. We would recommend them to anyone that is looking for assistance with their claim.
dan reilly
dan reilly
02:16 27 Dec 17
Went above and beyond on my first ever home insurance claim. He made sure I had a daily update and always answered my calls and texts. I wouldn’t recommend anyone else
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