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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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