Frequently Asked Questions
A Public Adjuster is an independent insurance professional that a person with an insurance policy can hire to help file and settle an insurance claim their behalf.
- A Public Adjuster is licensed by the state to look out for policyholder’s best interests.
- A Public Adjuster has the ability to navigate complicated insurance claims situations so that nothing gets overlooked.
- A Public Adjuster works for the policyholders only — not the insurance companies.
- A Public Adjuster helps to ensure there are enough funds to bring your property back to a pre-loss condition according to the policy.
The claims process can be complicated, and it is important that your claim is presented correctly to the insurance company the first time.
When you submit an insurance claim, your insurance company employs an adjuster who evaluates the loss. Their Adjuster represents the insurance company’s best interest.
A Public Adjuster is licensed by the State to look out for your best interest. We level the playing field and work for you, not the insurance company. We can prepare, file, and negotiate maximum dollar settlements for your insurance claim.
Our Services:
- Complete a detailed estimate of what is required to repair or rebuild your dwelling.
- Help navigate through your policy coverages and deadlines required by your insurance policy.
- Conduct a complete evaluation of all your damaged property and compile forensic evidence to support your claim.
- Prepare documents required for your business interruption, loss of use, and additional living expenses claim.
- Engage the services of engineers, construction consultants, and financial consultants to support your claim.
- Coordinate all inspections with contractors and insurance company adjusters.
- Meet with your insurance company as YOUR representative to have your claim settled fairly and equitably.
We have the ability to re-open previously filed claims for both commercial and residential property owners, even if they were denied or underpaid. If you, the property owner, filed a claim yourself without using a Public Adjuster, the chances are you may be not been not fully compensated for all of your damages. Contact Sam to schedule a complimentary claim review and assessment of your property.
According to a study by The Office Program Policy Analysis and Government Accountability (OPPAGA), individuals with Public Adjuster representation received higher settlements on average than ones without Public Adjusters on their team. For example, the average compensation for 2005 hurricane claims in FL were 747% higher when a public adjuster was involved.
You could submit your own property insurance claim, however, you are likely at a sizable disadvantage without the knowledge of the rules, procedures, deadlines, and coverages of your policy.
Our service costs absolutely nothing if we are unable to get you a settlement. We work on a contingency basis which means we only get paid if we recover proceeds.
Insurance carriers have 90 days per Florida statute to make a coverage decision. Our strategy is to keep the ball in the carrier’s court at all times.
It is important to have a Public Adjuster involved right from the beginning of the claim. If a claim is set up properly from the start there is a much greater chance of a favorable (and speedy) outcome.
The first thing an insurance company does is send out an adjuster who is the eyes and ears of the insurance company. That adjuster submits a report to the inside examiner who has never been to your property before. Without a Public Adjuster, the only thing the inside examiner sees is what the insurance company adjuster shows them.
It is our job to point out things that need to be in that initial report. In addition, we submit our own report to that examiner so that they have a complete picture of your situation.