Why hire a Public Adjuster?

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. You may be dealing with a multitude of other matters, such as finding housing or an alternate business location, dealing with the emotional trauma of a loss or simply going about your daily responsibilities, like work and family. God forbid you should also be dealing with injuries or the unthinkable in connection with the event. Consider these three points.

It is up to you to prove the extent of your loss to the Insurance Company... A typical insurance policy is dozens of pages long and contains numerous provisions and stipulations -- written in technical and legal terms. Additionally, it contains various forms and endorsements which are constantly changing from year to year, which can add or exclude coverage from your policy. Most people have difficulty understanding what can appear to be a lot of legal jargon. For example, did you know that in order for the insurance company to compensate you for your loss, there are certain conditions in which YOU must satisfy? Did you know that your failure to satisfy these policy requirements could reduce your settlement amount or even cause your claim to be denied? Don't feel bad. Most people don't know these things. A qualified and trained public adjuster whom you trust can help make sure you meet all of the policy conditions, document your loss and get your claim paid.

No matter how organized you and your documentation are, filing and receiving payment on a claim is a time consuming and tedious process. If you are not sufficiently organized and your loss is not properly documented, you may not realize the compensation you have paid premiums for and are entitled to receive.

A licensed, bonded and qualified Public Adjuster has the experience, knowledge and expertise to obtain your maximum entitlements under your policy. Remember that the insurance company adjuster is representing the insurance company. It is not uncommon for the insurance company to misinterpret their own insurance policy or forget to apply case law or Florida Statutes, which supersede their own policy. A public adjuster will know current laws as they directly affect insurance losses and how to best represent you. A public insurance adjuster has resources to help you through the maze of estimating, documenting, and filing your insurance claims.