FAQ’s

What do property insurance claim adjusters do?

Typically, a public adjuster offer claimants support during the entire process, from filing the claim to the final settlement. They are trained and certified professionals who can accurately evaluate the damage, inspect and appraise the property, and adjust the insurance to your favor. Unlike your insurance agent/adjuster, a public adjuster works independently, helping you to receive full compensation when dealing with insurance companies on bad faith. They will move aggressively and negotiate suitable terms to even the claim so that your insurance company does not victimize you.

Why should I hire a public adjuster?

Although there are rare cases of denied insurance claims, we have dealt with homeowners and business owners who have ended up losing their claims. With a public property claim adjuster, you not only receive quality and client-focused services, but you also save the long hours you’d spend meeting and negotiating terms with your policy provider. It also alleviates the hassle of organizing the necessary documents and chasing building contractors for repair and replacement estimates. Public adjusters work for you, helping you achieve success in your pursuit of compensation.

Why Should I hire a public adjuster instead of a bad-faith lawyer?

When you get into a legal dispute with your homeowners’ insurance provider, it would be best to hire a lawyer. In Florida, claimants cannot file a lawsuit against their policy providers unless all the standard procedures and policy provisions have been met. To effectively present a properly compiled insurance claim, you need an independent public adjuster. Unlike an attorney, a property insurance adjuster deals with damage assessment and valuates all belongings. In fact, most bad-faith lawyers hire public adjusters to compile all the details of a claim. Attorneys and public adjusters have different job descriptions, yet they complement each other for better outcomes.

What should I do when I've received a check, and my insurance company doesn't respond to my queries?

According to Floridian statutes, your policy provider should respond to your calls, texts, or emails within 14 days. Even after your insurance company issues a check, you can continue negotiating for satisfactory compensation, so long as you have the document and proof of damages to support your claim. Most people hire public adjusters when disputes occur during settlements. To hedge your financial interests when claiming property insurance, it would help if you hired a public adjuster on the day your property gets damaged.

Can I receive full compensation without taking advantage of my insurance company?

The simple answer is yes. The reason your company offers compensation is that one of their representatives concurred with the public adjuster’s or appraisers’ estimated figure. A property claims adjuster will always set a much higher figure since they have your financial interests at heart. They’ll also retrieve the documents and assess damages. Experience plays a role in the claims process – the reason why you need to work with an industry-seasoned public adjuster instead of handling the claim by yourself.

When do public adjusters receive their pay?

A public adjuster receives a commission of the financial proceeds of a claim. The money is often expedited once your insurance company agrees to the estimated figure they [adjuster] offer. Following several meetings with your insurance company, you will receive a final offer which you can accept or turn down and push on for better compensation. When you finally accept the pay, your public adjuster will receive a commission [usually between 10%-15%] of the funds as agreed. That’s the only time your property insurance adjuster receives payment. The amount is debited to their account once your insurance company releases the money.

Householders, condominium developments, rental-property owners, and businesses in Florida suffer significant financial and property losses in natural disasters. Such an adverse situation leaves property owners in a cloud of confusion, especially when there is a lot of requirements and compliance policies to meet before your insurance company can provide sufficient repair or rebuilding funds. Many real estate investors and commercial-property managers lack the knowledge and experience to file a powerful claim and the time to prepare and organize the process. It helps to hire a certified public claims adjuster to increase your chances of receiving satisfactory compensation.

If you live in Florida’s Panhandle region, there are several reasons why you need to partner with a property insurance adjuster.

Why Should I hire a public adjuster instead of a bad-faith lawyer?

When you get into a legal dispute with your homeowners’ insurance provider, it would be best to hire a lawyer. In Florida, claimants cannot file a lawsuit against their policy providers unless all the standard procedures and policy provisions have been met. To effectively present a properly compiled insurance claim, you need an independent public adjuster. Unlike an attorney, a property insurance adjuster deals with damage assessment and valuates all belongings. In fact, most bad-faith lawyers hire public adjusters to compile all the details of a claim. Attorneys and public adjusters have different job descriptions, yet they complement each other for better outcomes.

What should I do when I've received a check, and my insurance company doesn't respond to my queries?

According to Floridian statutes, your policy provider should respond to your calls, texts, or emails within 14 days. Even after your insurance company issues a check, you can continue negotiating for satisfactory compensation, so long as you have the document and proof of damages to support your claim. Most people hire public adjusters when disputes occur during settlements. To hedge your financial interests when claiming property insurance, it would help if you hired a public adjuster on the day your property gets damaged.

Can I receive full compensation without taking advantage of my insurance company?

The simple answer is yes. The reason your company offers compensation is that one of their representatives concurred with the public adjuster’s or appraisers’ estimated figure. A property claims adjuster will always set a much higher figure since they have your financial interests at heart. They’ll also retrieve the documents and assess damages. Experience plays a role in the claims process – the reason why you need to work with an industry-seasoned public adjuster instead of handling the claim by yourself.

When do public adjusters receive their pay?

A public adjuster receives a commission of the financial proceeds of a claim. The money is often expedited once your insurance company agrees to the estimated figure they [adjuster] offer. Following several meetings with your insurance company, you will receive a final offer which you can accept or turn down and push on for better compensation. When you finally accept the pay, your public adjuster will receive a commission [usually between 10%-15%] of the funds as agreed. That’s the only time your property insurance adjuster receives payment. The amount is debited to their account once your insurance company releases the money.

Householders, condominium developments, rental-property owners, and businesses in Florida suffer significant financial and property losses in natural disasters. Such an adverse situation leaves property owners in a cloud of confusion, especially when there is a lot of requirements and compliance policies to meet before your insurance company can provide sufficient repair or rebuilding funds. Many real estate investors and commercial-property managers lack the knowledge and experience to file a powerful claim and the time to prepare and organize the process. It helps to hire a certified public claims adjuster to increase your chances of receiving satisfactory compensation.

If you live in Florida’s Panhandle region, there are several reasons why you need to partner with a property insurance adjuster.