Frequently Asked Questions

A: You’ll almost always receive a higher settlement from the insurance company if you use a public adjuster for the simple reason that your claim will be presented much more favorably and with careful attention to your policy coverage. Typically, the more complex and complete your claim is, the higher the settlement will be. We go through all the evidence step-by-step, carefully inspect the loss site, and accurately document the damage. 

Studies have demonstrated that most inventories compiled by the insured without the help of the public adjuster are incomplete. 

A: A public adjuster is an insurance claims adjuster who advocates for the policyholder in appraising and negotiating an insurance claim. A public adjuster is the only type of claims adjuster that can legally represent the rights of an insured during an insurance claim process. 

A: No. It would be a severe violation for any insurance company to discriminate against you in any way for exercising a right given to you by the State of Florida. 

A: Usually, it is not too late. Florida law allows a few 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 get in touch with us. 

We will carefully audit and analyze your claim and give you our professional opinion. 

A: The insurance company adjuster or independent claim adjuster are both employed by the insurance company and can’t protect both your interest and the interest of their 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. A 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’s responsibilities to negotiate a better settlement. 

A: A public adjuster is an insurance adjuster expert who is licensed and certified by the Florida Department of Financial Services to work exclusively for the benefit of the policyholder. 

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

A: You should call us immediately after a loss. It is most beneficial for all parties when we are involved at the beginning of the claim development so we can set the tone for the entire process. 

A: Public adjusters are very skilled negotiators who use the services of appraisers, engineers, accountants, and other experts as needed. A public adjuster will meticulously go through all the evidence and document everything for you to get the most out of your settlement. 

A: We only get involved in claims where our services are needed. Therefore, there is no claim too big or too small. Just call us to discuss your claim, and we will give you our professional opinion. 

A: The standard fee for public adjusting services is a small percentage of the amount recovered from the insurance company. These fees are regulated by the Florida Department of Financial Services. 

A: Yes! Many of our clients were told their claim was denied. We reopen the loss, negotiate with your insurance company, and insist they pay for possible damages.