What should I consider when hiring a Public Adjuster?

License & Appointment -- Make sure their license and appointment are up-to-date with the State of Florida and make sure they are really a licensed Public Adjuster. Some people misrepresent themselves as Public Adjusters when they're not. [Check here](http://www.myfloridacfo.com/Data/AAR_ALIS1/index.htm)

Experience -- Public Adjusters come from a wide range of backgrounds -- Ask about experience and training. It is also a good idea to ask for references. Make sure the person who you are considering has the right mix for you.

Professionalism -- Do not sign blank contracts. A professional public insurance adjuster will explain the fee structure up-front, so you understand why and what you're paying for.

Comfort Level -- This adjuster will be quite important if your claim is complex or extensive. This person will be helping you through a very traumatic period and resolving the claim could take some time. Thus, it is important to find someone who fits your needs. Make sure they show you their FAPIA ID Card - A public insurance adjuster who is a member of their state association of public insurance adjusters takes their profession seriously and subscribes to a strict code of ethics. FAPIA public adjuster members care about advocating for policyholders in Florida.

Some individuals hire a lawyer when negotiating a problematic insurance claim. Others hire a public claims adjuster, also called a private claims adjuster or public adjuster. Which alternative is right for you? What are the benefits and drawbacks of hiring a public adjuster or a lawyer?

How Public Adjusters Help

Before responding to the above question, we'll begin with the basics. What do public adjusters do? How can they help resolve your insurance claim?

A public adjuster's objective is to evaluate property damage, analyze your policy, and negotiate with your insurer to achieve a fair settlement. Some of the typical tasks completed by a public adjuster include:

- Evaluating property damage and investigating your claim - Quantifying impairments and the financial value of your claim - Preparing assessments of the damages and needed repairs - Assisting the policyholder in making a claim to their insurer - Delivering damage claims to the insurer and negotiating with them on behalf of the policyholder

Generally, policyholders hire public adjusters when they expect to acquire the best possible settlement from their insurer. Occasionally, a policyholder will employ a public adjuster after the insurer offers shockingly inadequate compensation or a denial. An adjuster can organize your claim to guarantee it has the best possible chance of success.