Frequently Asked Questions

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 who belong to the Florida Association of  Public Insurance Adjusters adhere to a strict Code of Ethics and is able  to take advantage of the best quality, public adjuster specific,  continuing education in the country. Additionally, FAPIA members have a  network of resources available to best assist policyholders in the  handling of insurance claims. 


WHY SHOULD I HIRE A PUBLIC ADJUSTER?

The average policyholder has little or no knowledge at all regarding policy conditions, timely forms to file and proper claims handling. Insurance claims are our life's work; our knowledge and expertise can make a big difference in the amount of your final settlement. 



According to The Florida Legislature's Office of Program Policy Analysis & Government Accountability, aka OPPAGA, Public Adjuster representation typically results in larger payments to policyholder.

CAN A CONTRACTOR OR ROOFER HELP ME NEGOTIATE MY CLAIM?

 

There are only three people "LEGALLY" allowed to adjust a claim on behalf of the policy holder:

  1. THE POICY HOLDER
  2. A PUBLIC ADJUSTER
  3. AN ATTORNEY

THE UNLICENSED PRACTICE OF PUBLIC ADJUSTING IS A CRIME


FLORIDA STATUTE 626.8738:

"If your are acting as a Public Adjuster in any manner by negotiating or effecting the settlement of an insurance claim on behalf of an insured and you are preforming any of these services for money, commission or anything of value without being licensed as a Public Adjuster, you could be subject to arrest and may be charged with a third-degree felony as provided by section 626.8738.FS"


DO I HAVE TO PAY UP FRONT FEES FOR YOUR SERVICES?

No.  We are paid a small percentage of the claim when the money is collected from the Insurance Company. 

  • No out of pocket expenses, we get paid a small fee when the claim is settled.
  • We can help you obtain a fair settlement for your loss, even if your claim has been denied, delayed, underpaid or closed. 

DO I NEED TO HIRE A PUBLIC ADJUSTER TO GET PAID ON MY CLAIM?

You may still collect without our assistance. The question is how much of your damage will be overlooked. We take the time needed to completely uncover all of your damages and locate hidden problems and future issues. The more accurately your claim is documented, the higher the settlement will be. Maximum recovery and indemnity of the policyholder’s property loss is our goal. All avenues and means will be exhausted in making sure that the property owner gets a fair settlement that will return them to “Pre-Loss” conditions.

WHAT IS THE DIFFERENCE BETWEEN A PUBLIC ADJUSTER AND THE INSURANCE COMPANY ADJUSTER?

An insurance company adjuster is a direct contracted employee of the insurance company whose allegiance is directly to the insurance company that employs them. A public adjuster works exclusively for you, the policyholder.