Frequently Asked Question About Public Adjuster
What is a public adjuster?
A public adjuster is a licensed professional who works on behalf of policyholders to assist them in navigating the insurance claims process. They help policyholders with filing, documenting, and negotiating property damage claims to ensure they receive fair compensation from their insurance company.
Why should I hire a public adjuster in Florida?
Hiring a public adjuster in Florida can significantly benefit you during the insurance claims process. They have extensive knowledge and experience in dealing with insurance companies, policy provisions, and the appraisal process. They work exclusively for you, advocating for your best interests and maximizing your insurance payout.
How does a public adjuster get paid?
In Florida, public adjusters typically work on a contingency fee basis. This means they are compensated based on a percentage of the final settlement amount you receive from your insurance company. The fee percentage is usually regulated by the state and can vary based on the complexity of the claim.
Can a public adjuster help with all types of insurance claims?
Yes, licensed public adjusters in Florida can assist with various types of insurance claims, including property damage claims resulting from events such as hurricanes, floods, fires, water damage, mold, vandalism, and more. They are knowledgeable about the intricacies of insurance policies and can guide you through the entire claims process.
Do I need to hire a public adjuster right after the damage occurs?
It’s recommended to engage a public adjuster as soon as possible after the damage occurs. The earlier they are involved, the better they can assess the damage, document evidence, and ensure that you don’t make any mistakes or overlook important details when filing your claim.
Will hiring a public adjuster delay my claim?
Hiring a public adjuster shouldn’t significantly delay your claim process. In fact, their expertise and experience canexpedite the process by ensuring that all required documentation and evidence are properly submitted from the beginning. They can also handle negotiations with the insurance company more efficiently.
Can a public adjuster reopen a previously settled claim?
If you believe that your previously settled claim was underpaid or wrongfully denied, a public adjuster can review your case and potentially reopen the claim for reevaluation. They can help gather additional evidence, document damages, and negotiate with the insurance company for a fair settlement.
How do I verify the legitimacy of a public adjuster in Florida?
In Florida, public adjusters must be licensed by the Department of Financial Services. You can verify the legitimacy of a public adjuster by checking their license number on the department’s website or by contacting the department directly.
