We realize that dealing with a casualty loss in your home or business is extremely stressful. We adjust claims for our customers daily. It is all we do. We do not own handyman, construction, plumbing, electrical, mold remediation or water extraction companies of any kind. Our only business is Public Adjusting and working on your behalf.
A public adjuster is an insurance professional who represents the interests of the policyholder in settling a property insurance claim. Public adjusters are licensed and bonded, and have special training and expertise in appraising, preparing and negotiating property damage and business interruption losses.
When it comes to insurance claims, you are responsible for proving your loss to your insurance company.
Aside from attorneys, a licensed public insurance adjuster is the only person licensed by the state to represent you, the insured. As a Public Adjuster, we handle all of the work regarding your claim.
We have the experience, knowledge and expertise to obtain the maximum entitlements under your policy. Our team of specially-trained professionals understands insurance policies, endorsements and forms, in addition to your rights as the insured. Our focus is on you. Our job is to represent you to the insurance company.
Insurance policies contain numerous provisions and stipulations, as well as various forms and endorsements that are always being revised and updated. Endorsements are documents added to your policy to either exclude or supplement certain policy coverages which were not included when you purchased the original policy.
It is essential to familiarize yourself with your policy forms. However, we understand that unless you work in the insurance business and have a great deal of experience with insurance policies and claims, then these complicated documents can be very difficult to understand.
Most people don’t have the expertise to properly understand and interpret the technical language contained in their policy, nor do they understand the complex procedures that must be followed to comply with the policy’s terms. The insurance company’s adjusters are trained professionals representing the insurance company’s interests. Policyholders have the option to protect their own interests by retaining a public adjuster, whose responsibility is to serve the insured.
In addition, when you file a claim with your insurance company, there are certain policy conditions that must be satisfied. Failure to do so can reduce your settlement amount or even cause your claim to be denied. Your Public Adjuster will advise you on what to do to satisfy those policy conditions.
Just because the insurance company’s adjuster makes an oral statement, or the insurance company makes a decision concerning your loss, it does not necessarily mean it is fact. It is not uncommon for the insurance company to misinterpret its own policy or forget to apply Florida statutes and case law that may supersede their policy.
This is where a public adjuster makes a big difference.
There is one key difference between a public adjuster and the adjuster provided by an insurance company: a public adjuster works on behalf of the policyholder to settle a claim for the maximum amount possible, while the insurance company’s adjuster works on behalf of the insurance company. The adjuster assigned to your claim by your insurance company will be ONLY looking out for the insurance company’s best interests. As a policyholder, it is your duty to prove to your insurance company the money that you are owed. By hiring a public adjuster, you will have a professional working on your behalf through every step of the process.
It’s not too late to hire a public adjuster. It is common for homeowners and business owners to try to handle property damage claims on their own, especially if it’s the first time they have incurred damages. By hiring a public adjuster, however, you have an expert on your side with the experience needed to increase the settlement to the amount you deserve.
It is not too late. We can reopen any insurance claim made in the last 5 years to get you more money. Often there are supplemental damage claims that can be filed for things such as undiscovered water damage, or damage behind walls once reconstruction begin. Ideally, having a public adjuster retained early in the process will help to identify these common problem areas and adjust the claim accordingly. The only exception to this is when the policyholder signs a release, thereby letting the insurance carrier off the hook for additional payment on the particular claim.
In Florida, in most cases you have three years to report a claim from the date that the loss occurred. Each insurance company has provisions in their contracts regarding late reporting of claims that may make the filing of a claim that happened six plus months ago more difficult but never impossible.
We do not get paid unless you do. Our fee is based upon a percentage of the insurance company’s settlement to you. There are no upfront fees for our services and if you do not get paid, then we don’t get paid. It is in our best interest to look out for our clients’ interest.
(800) 635-8111 Toll-Free
(954) 914-5454 Broward/Miami-Dade
(561) 223-6880 Palm Beach
(772) 206-3310 Treasure Coast
(239) 299-4050 Fort Myers
(813) 291-2410 Tampa
(727) 697-9910 St Pete/Clearwater
(407) 439-1110 Orlando
(904) 267-0830 Jacksonville
(850) 347-8500 Tallahassee
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