Testimonials from just a few of our satisfied clients.
(the names have been abbreviated to protect the identity of the clients)
After hiring another Public Adjuster who brought me from $6,000.00 to $17,000.00 I hired David Ward and Rhino Insurance Claim Solution who "successfully" represented me in a claim against Citizen’s after Hurricane Wilma. I had received the $17,000 from Citizen’s and thought that’s all I’d ever see until I met Dave. He fought for my rights and eventually ended up getting me $75,000. If it weren’t for his knowledge, experience and tenacity, what was rightfully mine would have remained in Citizen’s pocket!
April 7, 2011
To Whom It May Concern:
As a public adjuster true to his customers, Dave Ward is the man to hire. Not only was I referred to Dave by my neighbors, I did some checking as well. After a great deal of research, I hands down, chose Dave to be my public adjuster. You will be as certain as I was that you will receive the fair and correct amount of dollars for the damages for your home from your home insurance company. Dave Ward is an extremely skillful negotiator for you to any home insurance company. His energetic and powerful integrity and character is profound. He never loses compassion for your needs. I appreciated his kind attention to detail. His years of experience and expertise will make you immediately aware that you chose the right man for the job. All you have to do is sit back and let Dave take over, especially at a price that you will not believe. Don't try to handle the insurance company alone, call Dave Ward for the best results and most dollars back from your insurance company. Dave Ward aspires to excellence, and is a man you know is on your side at all times.
Anne G. from Palm Beach Gardens. Call 561-906-2121 if you have any questions.
My roof sustained damage from Hurricane Wilma which did not become apparent until late in 2008. I reported roof leaks to my insurance company
And they decided to deny my claim.
A friend suggested I call you. I’m glad he did because my call to you was one of the best I ever made. Due to your efforts, my insurance company grudgingly agreed to replace my roof and pay for interior water damage.
Additional payments may be necessary.
Individuals like me have no chance going head-to-head against an insurance company. Mine was glad to accept my $2,000 per year for 15 years, but less accepting of my claim.
The role of a public adjuster is a true consumer advocate. Any attempt or action to curtail or deny the activity of Public Adjusters would be an egregious disservice to the public.
David Ward of Rhino Insurance Claims is the only good thing I can think of in relation to my house burning down and the seven months of battling with the insurance company. David Ward was at my house the morning after my fire occurred on a hot South Florida April day following the early morning fire that completed destroyed my 1928 Victoria Park Historic home. This may not seem unique considering five other Public Adjusters showed up to offer their services uninvited, but is unique in that he knew that I had, in my haste and bad judgment, agreed to sign a contract with another adjuster prior to his arrival.
David sat in the hot yard with my family offering me words of encouragement and educating me about what to expect from the insurance company. He was there when the friendly looking Nationwide fire inspector showed up unannounced and asked me to sign papers to allow her to remove the AC unit for investigation. Dave asked her if there was anything in my policy that required me to allow this critical piece of evidence to be removed. She contacted Nationwide’s attorney and said there was not. Needless to say, I did not sign. Dave sat in the yard for hours while she interrogated me and I was in tears, sure that I had violated something, somewhere and was surely not entitled to be covered.
The Public Adjuster I initially hired suddenly was unkind, insensitive and no longer available once the papers designating him as my adjuster were signed. I decided to hire David, and have never once regretted it. He has been available every single day over the past seven months to assist, support and represent me. He has helped me remain confident about the insurance company’s obligation to pay and optimistic that my persistence will lead to a positive and appropriate outcome.
In summary Nationwide Insurance Company’s response to the loss of my home and all of my savings represented in the equity of the house has been atrocious, hideous, obscene, and terribly unjust. At every turn, they have implied and suggested that there was a reason that a fire resulting in the loss of my home would not be covered. That is a story in itself. One very important example of David’s support I will share is related to the “Recorded Statement” with the Friendly appearing investigator. I was so intimidated and distraught after my initial interactions with Nationwide’s investigator, that I was literally terrified and in tears at the thought of completing a recorded statement a few days following the fire. I stayed up to the early morning hours on countless occasions researching court cases and articles on insurance and sent each one to Dave. He discussed these issues with me and constantly and consistently told me to “calm down” and reminded me that unless I personally lit a match and purposely set my house on fire, that I was COVERED by the insurance company for the full value of my policy. Needless to say, he sat by my side as I gave my statement and I survived. Having Dave’s reassurance has meant the world to me. He successfully retrieved the full face value of the policy.
He is still assisting me in the seventh month following the fire to help me recover the additional coverage purchased from Nationwide for but have not received. I HIGHLY recommend without reservation having David Ward of Rhino Insurance Claims represent you in ANY dealings with insurance Clams.
Director of Research and Planning
Broward Regional Health Planning Council
David Ward and Rhino Insurance Claim Solutions was the best thing that could have happened to use. We are a working middle class couple who could not afford to fix up our house after the hurricane. Our insurance claimed we did not have enough damage to qualify for a new roof, yet it leaked every time it rained. David came in and with his help we were able to get the money from our insurance and put on a new roof and gutters. We don't have to worry about the ceiling collapsing every time it rains now. Thanks to David we now feel safe in our home.
R. & C. M. Margate, FL
Mr. Ward from Rhino Insurance Claim Solutions was very professional throughout the process of my claim. He was very dedicated and hard working, in other words his services were excellent. From $0 to the policy limits!
RS Sunrise, fl
I wanted to thank you again for representing me against Citizens Insurance. As you know, I was able to recover close to $10K initially from Citizens after Hurricane Wilma. However, that still was not enough to cover my roof damages as well as my fence. I was unsuccessful in recovering any additional money over the next year. After hiring you as my public adjuster; what I wasn't able to do in 12 months, you were able to accomplish in 4 weeks. In addition to recovering money for my roof and fence, you were able to increase my initial payout by revisiting the number and getting me a more realistic replacement value for many items. Increasing my total payout from Citizens to over $20K.
I have learned a very valuable lesson in this whole ordeal. And that is, you must pay your insurance every year in full without exceptions. But when it comes time to collect on your insurance, the insurance company doesn't want to pay for all the fine print in the policy. I am confident that having someone like yourself that knows the proper channels/protocols are easily able to recover what is due to me. I am sure everything paid out to me was owed to me in my policy, although Citizens tried to deny or down play many items. It's nice to know their Companies like Rhino Insurance claims to stick up for individuals with small claims like myself.
Exclusive Distributor of NuVasive
My husband and I survived Hurricane Wilma. We had damage and followed all the rules for our insurance claim. It took 2 months for an adjuster (from out-of-state) to assess the damage to our home in Tamarac, FL. Our insurance was with Florida Select now out of business. When we received our claim check, less $2200 deductible, it was for $6200.00 and this didn't even cover the internal damage to our home.
We contacted David Ward and he immediately came to our home and re-assessed the damage. He took complete control and made everything clear to us on how he would represent us. David was able to acquire $17,000.00 more; the quote for our patio alone was $8,500 to replace. Would I use David again, you bet. He is a very knowledgeable and professional
I would strongly recommend anyone contact him immediately if they feel cheated by their insurance company because they probably were. He has a Five Star Rating with us for sure.
D. R. & E. E. W.