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Lets us carry the burden for you
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Honesty and transparency when you need it most
We keep our process transparent and straightforward. Here's how it works:
Insurance claim consultant
Call us today. Our licensed adjusters will carefully review and analyze your insurance policy including any endorsements, exclusions, and limitations to help develop the best claim strategy for your situation moving forward.
Property Inspection and Documentation
Our public adjusters will identify damages that may have gone unseen by yourself, your team, and your insurance company's adjuster. We use state-of-the-art equipment to assist in identifying and mapping damage. We document every single detail.
Claim Estimate & Appraisal
We handle the heavy lifting. Our experienced team will prepare a comprehensive claim package involving repair and replacement estimates of your damages that are backed by industry trade vendors and expert reports.
Claim Negotiation & Settlement
With our aggressive claim strategy and a detailed claim package, our skilled negotiators fight for the maximum claim payout possible. We ensure that all your rights under the policy are met with the best possible outcome on your claim.
It's what you do with what you have that makes you who you are.
- Brian Abreu, CEO
Facts.
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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.
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If you have just suffered an insured loss resulting from a pipe burst, a fire, hurricane or some other traumatic event, it's probably not the best time to take a crash course on how to properly present an insurance claim.
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A Public Adjuster who belongs to the State Association of Public Insurance Adjusters adheres to a strict Code of Ethics and is able to take advantage of the best quality continuing education training in the country. Additionally, FAPIA members have a network of resources to best assist you in handling your insurance claim.
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Yes, you can. Be prepared to document all aspects of your loss, try to understand the insurance policy you purchased, and follow through with the agent and the company. However, if your loss is significant (more than $10,000) you should consider hiring your own insurance professional, public adjuster to make sure you are properly represented. Remember, the insurance company has their own insurance professional expert representing them. Shouldn't you have professional representation too?
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Insurance companies often delay, deny and defend against legitimate claims to increase profits, taking advantage of policyholders unfamiliar with technical policy language and procedures. This problem becomes especially challenging when you're dealing with the emotional aftermath of a loss without professional guidance. Having a public insurance adjuster on your side provides essential expertise to counter the insurance company's professionals and helps ensure you receive the full compensation you're entitled to.
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Public Adjusters charge a percentage of the settlement for their services to you. The Public Adjuster is not paid until you are paid. There are no upfront fees for their services. Percentages vary from adjuster to adjuster, so it is best to shop for the best adjuster for you. The maximum percentage that a public adjuster in Florida can charge for a claim is 20% of the claim paid after you sign the contract with them. If an emergency is declared by the Governor's office, then the fee is reduced to 10% for any claim made in the first year after the date of loss. After the first year, the maximum amount that can be charged reverts back to 20%.
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Your FAPIA Public Adjuster is tested, licensed, bonded and authorized to practice the profession. By attending bi-annual conferences, FAPIA members continue their professional education to keep up with the ever-changing insurance industry. They are subscribed to frequent educational and informative emails, bringing them up-to-date on a weekly and monthly basis. Their network of contacts means the best support staff and professionals will be working for you.
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No, they are not. Their services are available only to the insured public, not the insurance company.
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Verify their Florida license and FAPIA membership, check their experience and references, ensure they explain fees upfront without blank contracts, and choose someone you're comfortable working with during the claims process. Public adjusters help evaluate damage, analyze policies, prepare assessments, and negotiate with insurers to achieve fair settlements, especially for complex claims or after inadequate offers.
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A policyholder typically hires an attorney for a more complex or costly insurance claim. For instance, you may hire a lawyer when your insurer completely denies your expensive claim. In many circumstances, your counselor works in tandem with an adjuster. As a result, policyholders may receive the best possible outcomes by employing a public adjuster and a lawyer.
