WHAT IS A PUBLIC ADJUSTER
A public insurance adjuster is a licensed and bonded insurance professional who assists policyholders with the complicated insurance claim process when they suffer an insured loss. Public insurance adjusters
There are three types of adjusters licensed by the State of Florida:
Insurance Company Adjuster - is employed by an insurance company to represent the insurance company in dealing with your insurance claim. The insurance company adjuster’s main responsibility is to protect the interests of the insurance company.
Independent Adjuster - is hired by insurance companies to represent them in dealing with you, your loss and damages. The independent adjuster’s main responsibility is to protect the interests of the insurance company.
Public Insurance Adjuster (Public Adjuster) - is the only adjuster specifically licensed by the State of Florida to represent you, the insured. The public adjuster’s main responsibility is to protect you and your interests in claims against a loss with the insurance company. There are 2,100 licensed public adjusters residing in Florida.
WHY HIRE A PUBLIC ADJUSTER
Fair Compensation & Someone “On Your Side” – Public adjusters do not work for the insurance company – they work for you. It is an unfortunate reality that insurance companies have their own interests at heart, which is why they have on-the-payroll insurance experts representing them through each filed claim. Shouldn’t you have professional representation too?
A licensed public adjuster represents you – the policyholder – and will work to obtain the maximum entitlements under your policy. A state analysis of claims paid by Citizens Property Insurance in 2008 and 2009 found that the average payment to policyholders represented by a public adjuster was $22,266, compared to $18,659 paid to those who did not hire public adjusters.
Remember, it is up to you to prove the extent of your loss to the insurance company. Failure to satisfy difficult-to-understand policy requirements could reduce your settlement amount or even cause your claim to be denied. Most people don’t know these things, and it’s easy to see why when a typical insurance policy is dozens of pages long and written in technical, legal terms. A qualified and trained public insurance adjuster whom you trust can help make sure you meet all the policy conditions, document your loss and get your claim paid.
A Helping Hand During a Difficult Time – If you have just suffered an insured loss resulting from a pipe burst, a fire, hurricane or some other traumatic event, it's probably not the best time to take a crash course on how to properly present an insurance claim. You may be dealing with a multitude of other matters, such as finding housing or an alternate business location, dealing with the emotional trauma of a loss or simply going about your daily responsibilities, like work and family. Licensed public adjusters bring ease of mind by taking on the burden of dealing with the insurance company.
Experience & Resources – Without the expertise and knowledge of the claims process and the insurance industry, consumers are often at a disadvantage when filing on their own. Licensed public adjusters are trained and experienced in damage assessment, and well versed in current laws as they affect insurance losses. A public adjuster has the knowledge and resources to help you through the maze of estimating, documenting, and filing your insurance claims.
33 YEARS OF EXPERIENCE REPRESENTING HOME AND BUSINESS OWNERS