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Est. 2014 - More than 10 years working for you, not for insurance companies

Water Damage, Flood Damage, Mold Damage, Storm Damage, Hurricane & Wind Damage, Smoke Damage, Smoke Damage, Lightning Damage, Fire Damage, Leak Damage, Business Interruption, Theft & Vandalism, Sinkholes

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Your Guide to Navigating Insurance Claims

When disaster strikes and you suffer an insured loss, navigating the insurance claim process can be overwhelming. This is where public adjusters step in. A public insurance adjuster is a licensed and bonded professional who assists policyholders through the complicated insurance claim process, ensuring they receive fair compensation for their losses.

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What is a Public Insurance Adjuster?

A public insurance adjuster is a specialized professional dedicated to representing policyholders, not insurance companies. Unlike other types of adjusters, public adjusters are the only ones specifically licensed by the State of Florida to advocate for you, the insured. Their primary goal is to protect your interests and ensure you receive a fair settlement from your insurance company.
Public adjusters who belong to the Florida Association of Public Insurance Adjusters (FAPIA) adhere to a strict code of ethics and benefit from top-quality, public adjuster-specific continuing education. This membership provides them with a network of resources to effectively assist policyholders in managing their insurance claims.

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Types of Adjusters in Florida

Types of Adjusters in Florida

In Florida, there are three types of adjusters licensed to handle insurance claims:
1. Insurance Company Adjuster: Employed by an insurance company to handle claims on behalf of the company. Their main responsibility is to protect the interests of the insurance company.
2. Independent Adjuster: Hired by insurance companies to manage claims on their behalf. Like insurance company adjusters, their primary duty is to safeguard the insurance company’s interests.
3. Public Insurance Adjuster: The only type of adjuster licensed by the State of Florida to represent you, the policyholder. Public adjusters work exclusively for you, ensuring your interests are protected and you receive a fair settlement.

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Types of Adjusters in Florida

In Florida, there are three types of adjusters licensed to handle insurance claims:
1. Insurance Company Adjuster: Employed by an insurance company to handle claims on behalf of the company. Their main responsibility is to protect the interests of the insurance company.
2. Independent Adjuster: Hired by insurance companies to manage claims on their behalf. Like insurance company adjusters, their primary duty is to safeguard the insurance company’s interests.
3. Public Insurance Adjuster: The only type of adjuster licensed by the State of Florida to represent you, the policyholder. Public adjusters work exclusively for you, ensuring your interests are protected and you receive a fair settlement.

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public adjusters near me

Obtain the Payout You Are Entitled to from Your Insurance Claim

Find a trusted public adjuster in your area and take the first step toward a fair settlement

Public adjusters are essential allies in the insurance claim process, advocating for your interests and ensuring you receive the compensation you deserve. With their expertise and dedication, public adjusters help policyholders navigate the complexities of insurance claims, providing peace of mind during challenging times. Don’t go through the claims process alone—partner with a public adjuster and secure the best possible outcome for your claim.

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Filing an insurance claim in Florida damages through a Public Adjuster or filing it directly?

Filing an Insurance Claim Through a Public Adjuster

1. Representation:
• A public adjuster is a licensed professional who works exclusively for you, the policyholder, not the insurance company.
• They represent your interests and ensure that the claim process is handled fairly and efficiently.
2. Expertise and Experience:
• Public adjusters have specialized knowledge and experience in handling insurance claims and look after your interests, not the interests of the insurance company.
• They are skilled in assessing damage, documenting losses, and negotiating with insurance companies to secure a fair settlement.
3. Time and Effort:
• A public adjuster handles the entire claims process on your behalf, saving you significant time and effort.
• They manage all communications and negotiations with the insurance company minimizing unnecessary inconveniences.
4. Claim Maximization:
• Public adjusters work to maximize your claim payout by thoroughly documenting all damages and losses.
• Their expertise can result in higher compensation than if you filed the claim yourself.
Their experience usually results in greater compensation, up to 30% more than if you filed the claim yourself.
5. Fees:
• Public adjusters charge a fee for their services only if you win the case, usually a percentage of the settlement amount, and at the end of the process.
• This fee is agreed upon before they begin working on your claim.
6. Peace of Mind:
• Hiring a public adjuster can provide peace of mind, knowing that a professional is advocating for your best interests.

Filing an Insurance Claim Directly Without a Public Adjuster

1. Control:
• Filing a claim directly gives you complete control over the process.
• You handle all communications and negotiations with the insurance company.
2. Cost:
• You do not incur any fees for a public adjuster’s services.
• Any settlement amount goes entirely to you without a percentage being taken out.
3. Time and Effort:
• Filing a claim directly can be time-consuming and requires considerable effort, especially if you are unfamiliar with the process.
• You need to document all damages, gather necessary evidence, and communicate with the insurance company yourself.
4. Knowledge and Experience:
• Without the expertise of a public adjuster, you may not be aware of all the potential claims you can make or the full extent of your coverage.
• This lack of knowledge could result in a lower settlement.
5. Negotiation:
• You are responsible for negotiating with the insurance company, which can be challenging without the negotiation skills and experience that public adjusters possess.
• Insurance companies may offer lower settlements to unrepresented policyholders.

Contact us now to speak with a licensed public adjuster who can help you with your claim.

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Claim Services

Water Damage

Flood Damage

Mold Damage

Storm Damage

Hurricane & Wind Damage

Smoke Damage

Lightning Damage

Fire Damage

Business Interruption

Theft & Vandalism

Leak Damage

Locations

Public Adjuster Miami

Public Adjuster Weston

Public Adjuster Pembroke Pines

Public Adjuster Coral Springs

Public Adjuster Fort Lauderdale

Public Adjuster Naples

Public Adjuster Palm Beach

Public Adjuster Aventura

Public Adjuster Fort Myers, FL

Public Adjuster Cape Coral, FL

Public Adjuster Hollywood, FL

Public Adjuster Lee County

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