Public Adjuster FAQ


Q: IF I HIRE A PUBLIC ADJUSTER, WILL I GET A BETTER SETTLEMENT?
A:
Ninety percent of the time, when you hire a public adjuster, you stand a better chance of getting a better settlement from the insurance company. This is primarily because a public adjuster will present your case in a much more comprehensive manner and also in tandem with your coverage. Usually, the more complete and detailed a claim is, the better the chances of a higher settlement. In a detailed and thorough manner, we will review all the evidence, carefully examine the damage site, and correctly record the extent of the damage. On average, most inventories curated without the input of a public adjuster are often incorrect or incomplete.

Q: WHAT IS A PUBLIC ADJUSTER?
A:
An insurance claims adjuster is an adjuster that acts on behalf of the policyholder both in the negotiation and appraisal of an insurance claim. Legally, a public adjuster is the only adjuster allowed to advocate for the rights of a policyholder in any insurance claim proceeding.


Q: IF I SEEK THE SERVICES OF A PUBLIC ADJUSTER, CAN MY INSURANCE COMPANY TERMINATE MY CONTRACT?
A:
No. The State of Florida explicitly grants you the ability to freely exercise the right to hire a public adjuster. The insurance company will be in grave violation of that right if they show any form of discrimination.

Q: CAN I STILL HIRE A PUBLIC ADJUSTER AFTER MY CLAIM HAS BEEN CLOSED BY MY INSURANCE COMPANY?
A:
The law in Florida permits allows you to file a supplemental claim a couple of years after the date the damage was incurred. If you feel like your settlement was shortchanged and would like your claim to be reviewed, please get in touch with us. We will thoroughly analyze and audit your claim and give you professional feedback.


Q: HOW IS AN INSURANCE ADJUSTER DIFFERENT FROM A PUBLIC ADJUSTER?
A:
The independent claim adjuster (or insurance adjuster) is usually hired by the insurance company, and as such, they first look out for their employer’s interests. Thus, the insurance company adjuster will often settle a claim for a sum that favors the insurance company, and not the policyholder. However, a public adjuster is an expert insurance adjuster that solely advocates for the policyholder. We are professionals in comprehending your policy to the letter, its coverage, and the responsibilities of the insurance company with regards to offering you the best possible settlement.


Q: WHO OVERSEES A PUBLIC ADJUSTER?
A:
Certified and Licensed by the Florida Department of Financial Services, a public adjuster is an insurance professional that is permitted to work solely for the interests of the policyholder.


Q: WHO REQUIRES THE SERVICES OF A PUBLIC ADJUSTER?
A:
Generally, public adjusters can be hired by any individual, business, or professional including attorneys, business owners, accountants, banks and even insurance agents. Usually, after using our service, most people refuse to settle a claim without our assistance.

Q: HOW DOES A PUBLIC ADJUSTER PRESENT A CLAIM?
A:
Public adjusters are professional negotiators who engage the expertise of engineers, appraisers, accountants, and other professionals when needed. public adjusters will painstakingly review all the documentation and other evidence related to your claim to get you the best settlement.


Q: IS THERE A MINIMUM AMOUNT REQUIREMENT FOR A CLAIM?
A:
We do not have a minimum claim amount requirement to advocate for policyholders. As long as our assistance has been sought, we will give you our expert input regardless of the amount involved.

Q: HOW MUCH DOES IT COST TO HIRE A PUBLIC ADJUSTER?
A:
The fee paid for public adjusting services is a small percentage of the sum recovered from the insurance company. The Florida Department of Financial Services oversees the regulation of these fees.

Q: I MY CLAIM IS REJECTED, CAN I SEEK A SECOND OPINION?
A:
Definitely! Most of our clients had their initial claim rejected. All we had to do was reopen the claim, renegotiate with the insurance company, and then present facts that show that the company was obliged to pay for all the damages.