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What is a Public Adjuster?

A Public Adjuster, an independent insurance professional, assists policyholders

(homeowners or business owners) in settling insurance claims to ensure fair treatment and optimal recovery. Functioning as a quarterback in the complex claims process, a Public Adjuster helps navigate potential obstacles and pitfalls. With a professional license to decipher insurance policies, a Public Adjuster advocates solely for the interests of commercial and residential policyholders, not the insurance companies. Crucially, a Public Adjuster is the sole type of claims adjuster authorized to legally represent the insured during the claim process. Negotiating tirelessly, a Public Adjuster aims for maximum settlement to restore policyholders to their pre-loss condition effectively. It's important to note that a Public Adjuster is distinct from a contractor and does not perform any work.

Leaking Pipe
Why do I need a Public Adjuster?
what is public adjuster
ruined part of  city after a hurricane

Why do I need a
Public Adjuster?

When you file an insurance claim, your insurance company assigns an adjuster to assess the loss. Their role is to represent the insurance company's interests. At Florida Public Insurance Adjusters, our mission is to prioritize your best interests. We aim to balance the scales and advocate on your behalf, not for the insurance company. Our adjusters handle the preparation, filing, and negotiation of maximum dollar settlements for your insurance claim. Think of a Public Adjuster as you would an accountant for taxes. Professional representation significantly increases the likelihood of a favorable outcome.

Types of Claims we evaluate

  • Hurricane / Tornadoes

  • Hail / Wind

  • Roof Leaks / Ceiling Stains

  • Roof replacement

  • Plumbing issues

  • Failed Drain Lines

  • Toilet and Laundry Overflow

  • Cabinet Damage

  • Pipe Breaks

  • HVAC Overflow

  • Hot Water Heater

  • Shower valves leaks

  • Flooding

  • Smell or presence of Mold

  • Stucco and Siding

  • Fire/Some Damage

  • Personal property

  • Theft or Vandalism

What sets us apart

Detailed Assessment: We start by completing a detailed estimate of the repairs

or reconstruction required for your property. Our thorough assessment ensures

that no damage goes unnoticed, giving you peace of mind knowing that your claim

is being handled with the utmost care and attention to detail.

Policy Navigation: Understanding insurance policies can be complex and

confusing. That's why our team is here to help you navigate through your policy

coverages and meet the deadlines required by your insurance policy. We ensure

that you fully understand your rights and coverage, empowering you to make

informed decisions every step of the way.

Forensic Evaluation: When it comes to supporting your claim, evidence is key.

Our public adjusters conduct a complete evaluation of all your damaged property

and compile forensic evidence to support your claim. We leave no stone unturned

in our pursuit of securing the maximum compensation for you.

Claims Preparation: We understand that property damage can have far-reaching

implications, affecting not only your physical property but also your business

operations or living arrangements. That's why we prepare documents required for

business interruption, loss of use, and additional living expenses claims,

ensuring that all aspects of your claim are addressed comprehensively.

Expert Consultation: To strengthen your claim, we engage the services of

engineers, construction consultants, and financial advisors. Their expertise and insights provide invaluable support in building a robust case for maximum compensation.

Inspection Coordination: Managing inspections can be a logistical challenge.

That's where we step in. Our team coordinates all inspections with contractors

and insurance company adjusters, ensuring that the process is smooth and

efficient from start to finish.

Representation and Negotiation: Perhaps most importantly, we serve as your

representative with your insurance company. Our goal is to ensure that your

claim is settled fairly and equitably, advocating tirelessly for your best

interests every step of the way.

Types of Claims we evaluate
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