Frequently Asked Questions

c. the Insured

That's right, Public Insurance Adjusters represent you.

 d. All of the Above

The duties of a Public Adjuster are to: 

• Evaluate existing insurance policies in order to determine what coverage may be applicable to a claim.
• Research, detail and substantiate damage to buildings and contents and any additional expenses.
• Evaluate business interruption losses and extra expense claims for businesses.
• Determine values for settling covered damages.
• Prepare, document and support the claim on behalf of the insured.
• Negotiate a settlement with the insurance company on behalf of the insured.
• Re-open a claim and negotiate for more money if a discrepancy is found after the claim has been settled.

 b. False

There is no need to pay your Public Adjuster up front, they charge a small percentage of the insurance company's settlement.

 b. False

Only a licensed public adjuster can assist you in preparing, filing and adjusting your insurance claim.  Licensed Public Adjusters are regulated by the Department of Insurance, restoration companies are neither licensed, nor regulated.

 a. True

According to a survey conducted by the State of Florida, Public Adjuster claims resulted in a 747% higher settlements for insureds.

 a. True

Public Adjusters are the only claims adjusters who can represent your rights.

 a. True

Public Adjusters are able to re-open a claim and negotiate for often times significantly more money if discrepancies are found after the claim has been settled

 b. False

Public Adjusters will assist you with any claims of loss against any insurance company including windstorms, snow, hail, smoke, explosions, microbursts, etc.

 b. Represent the Rights of the Insurance Company

Public Adjusters represent your rights, NOT the rights of the insurance company.

 a. You

The burden of proof lies on you.  By hiring a Public Adjuster, you can relieve yourself of that burden.