Why You Should Hire A Public Adjuster Orlando FL?

Florida is no stranger to extreme weather conditions, so it’s not uncommon for businesses and homeowners to suffer extensive damage in many weather-related perils. When that happens, filing an insurance claim is one of the few ways to find the funds to fix the damage.

Once your claim is filed, the insurance company will send their adjuster to inspect and evaluate the damage. The amount of money you’ll receive will depend on the ‘’results’’ of this inspection. 

However, you can also hire a public adjuster Orlando FL to evaluate the damage on your behalf and help you recover a larger sum of money.

What Do Public Adjusters Do?

A public adjuster works for the policyholder and not for the insurance company. They help businesses and individuals file insurance claims and ensure a more favorable outcome. 

Most importantly, a public adjuster Orlando FL can negotiate claims for damage caused by many different types of hazards, as well as loss of business income due to property damage.

But what makes them so special? After all, everyone can file a claim and at least try negotiating with the insurance provider.

Simple - they are experts in understanding the language and the finer details of insurance policies. They have plenty of experience adjusting and filing claims. For instance, some public adjusters have even worked for insurance companies, and are familiar with all the tricks insurers may use to undervalue claims.

They can also gather detailed claim information that’s too challenging for an average policyholder.

Additionally, they have experience in construction and related fields which is useful for inspecting and evaluating the damage on your property. For example, a public adjuster may leverage specialized software to aid their evaluation of property damage and form a stronger claim.

When To Hire A Public Adjuster

In most cases, you can benefit from working with a public adjuster. This is especially true for larger claims where every penny counts.

Let’s say your roof got damaged and you think you have a pretty good idea about the value of your loss. If you hire a public adjuster to get a second opinion, you may learn that you significantly undervalued your damage.

This is perfectly normal as you may simply forget to include something or may not be aware of all the costs you can include in your roof damage claim. 

Maybe your roof was partially destroyed by the wind and you miscalculated the cost of a new roof. You may not know you should include the cost of removing the old roof, which costs an arm and a leg.

If you filed this claim, you wouldn’t be able to cover all your expenses even if the full dollar amount was approved. But by hiring a public adjuster, you’re ensuring that what you submit is as accurate and detailed as it can be. 

How Much Will A Public Adjuster Charge You?

So you’re considering hiring a public adjuster Orlando FL, but you’re unsure of whether it’s worth the money? We have good news for you.

Most public adjusters will inspect the site for free before choosing whether they’ll take on your case. If they do, they won’t charge any fees directly - they’ll get paid a percentage of your claim. This fee can vary between different companies and is legally capped. In Florida, for most emergencies, the cap is 20% with a 10% fee cap for official state emergencies.

For larger claims, it’s also possible to renegotiate a lower fee.

In general, if you recover $100k, the adjuster will take $10k out of the total. While this seems excessive, without a public adjuster Orlando FL, your settlement would be significantly lower.

According to studies, individuals who filed a claim with the help of a public adjuster had a 747% increase in their settlement. 

How To Choose The Best Public Adjuster Orlando FL

Just like with any other service, not all public adjusters are created equal. Here are some things you should consider before hiring one:

1. Check their credentials

Public adjusters must be licensed by the state they practice in and partake in additional courses to maintain their license. 

Even though offering adjustment services without a license is illegal, it doesn’t stop some contractors and lawyers from offering them. This is why you should always check the credentials of someone you’re hiring. As a plus, maintaining a license is a great sign that you’re getting a good service.

2. Ask for a referral

If it’s not possible to ask an acquaintance to recommend someone, you can always ask a potential adjuster to give you the contact information of their previous clients. If they’re unwilling to do this, you should find someone else.

Speak to a few former clients and if most had a positive experience, chances are, you will too.

3. Check their experience

If you have a complex claim on your hands, you should look for an adjuster with experience. Ask them if they worked on claims similar to yours, if they ever negotiated with your insurance company, and how long they have been practicing.

Don’t simply look at the number of claims they worked on. Many experienced public adjusters take on fewer claims per year but only choose to work on larger claims that grant them a higher dollar amount.

4. Are they handling your claim alone?

Some prefer to work with a single person, while some companies have multiple adjusters working on your claim. For instance, one might visit your property and another will follow up for more information.

Using a company is actually a good thing as they may employ a public adjuster from their roster who’s a specialist in one particular type of damage. 

Working With The Best Public Adjuster Orlando Fl

Hiring an adjuster to handle your claim can be one of the most important financial decisions you can make when disaster strikes. Many insurance companies will either undervalue your claim or in some cases, even deny it.

To maximize the amount you can recover and restore your property to its original state, you should contact a public adjuster Orlando FL.

If you have no clue where to start, you can’t go wrong with Continental Public Adjusters - a company with decades of experience. By working with us, you’ll have a full team at your disposal that will maximize the amount of money you are rightfully entitled to.

Don’t believe us?

We had numerous settlements where the insurance carrier offered around $200k and we successfully settled the claim for more than $1M. 

Call (800) 989-4769 to schedule a free consultation and we can help do the same for you.