FAQ

 

Who is a Public Adjuster?
A Public Adjuster is an insurance adjuster expert, who is licensed and certified by the Department of  Financial Services to work exclusively for the benefit of the policy holder. We prepare, present and negotiate property claims for your insurance company.

What is the difference between a Public Adjuster and an insurance company adjuster?
The insurance company adjuster or independent claim adjuster are both employed by the insurance company and can not protect both your interest and the interest of his/her employer at the same time. The insurance company adjuster will often offer to settle a claim for the sum they see fit, which is not always in favor of the policyholder. Public Adjuster is an insurance adjuster expert who works exclusively for you the policyholder. We are experts in reading the final print and understanding your policy, coverage and the insurance company responsibilities in order to negotiate a better settlement.

What is the difference between a Public Adjuster and insurance company adjuster?
The insurance company adjuster or independent claim adjuster are both employed by the insurance company and can not protect both your interest and the interest of his/her employer at the same time. The insurance company adjuster will often offer to settle a claim for the sum they see fit, which is not always in favor of the policyholder. Public Adjuster is an insurance adjuster expert who works exclusively for you the policyholder. We are experts in reading the final print and understanding your policy, coverage and the insurance company responsibilities in order to negotiate a better settlement.

Why do I need my own adjuster?
Your insurance company will send their own adjuster or utilize the services of a sub-contracted claims adjuster to represent their interests. These adjusters are skilled professionals that will investigate and calculate your loss. We know that from the beginning, insurance company wants to pay out as little as possible. These insurance adjusters are paid by the very same company that owes your a fair settlement. Now this conflict is very obvious.

How is a Public Adjuster compensated?
A Public Adjuster works for a small percentage of your settlement, payable after you are indemnified.

How does a Public Adjuster prepare a claim?
Public Adjusters are very skilled negotiators, who will use services of appraisers, engineers, accountants and all sorts of other experts as needed. Public Adjuster will meticulously go through all the evidence and document everything for you to get the most out of your settlement.

I already have been paid by my insurance company, they have closed their file, is it too late for a Public Adjuster's help?
Most likely not. Florida law allows up to five years to file a supplemental claim from the date of loss. If you do not believe you were paid the right amount, and would like us to review your claim, please call us. We provide a free claim audit. You will owe us nothing, unless we will get you more money.

Will I get a higher settlement with insurance company if I will hire a Public Adjuster?

In  99% of the cases, almost always. The more detailed and complete your claim, the higher the settlement. We go through all the evidence step by step, very carefully inspecting the loss site and compile all the damage. Studies have clearly demonstrated that the most inventories compiled by insured without the help of the Public Adjuster are very incomplete.

Who uses services of Public Adjusters?
Public Adjusters are hired by individuals and all types of business and professionals including: attorneys, banks, accountants, business owners, and even insurance adjusters and agents for their own losses. Once a person has experienced the benefits of our services, they will rarely attempt to settle a claim without our help.

Will my insurance company cancel my contract if I will hire a Public Adjuster?

No. The Public Adjusting profession is mandated by the Legislature and regulated by the Department of Insurance. It would be a serious violation of any insurance company to discriminate against you in any way for exercising a right given to you by the State of Legislature.

How do I know if I need your services?
A consultation is free and without obligation. Please feel free to call us and set-up an appointment to discuss your claim.
 

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TEL: 305.331.9192   FAX: 305.466.1326
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