F.A.Q.s

These are questions you might have if you're looking to why you should hire a public adjuster. The Facts section provides these answers.

What is a "Public Adjuster"?

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.

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.

What is a "FAPIA" Public Adjuster?

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.

Can I prepare my claim?

Yes, you can file a claim, but ensure you document your loss thoroughly, understand your policy, and consider hiring a public adjuster for losses exceeding $10,000 to ensure you have professional representation like the insurance company does.

Why should I hire a FAPIA Public Insurance Adjuster to get what is rightfully mine?

Insurance companies frequently delay or deny legitimate claims to boost profits, exploiting policyholders unfamiliar with policy technicalities. A public insurance adjuster provides essential expertise to counter the insurer's professionals, helping you secure full compensation during the emotional aftermath of a loss.

How much do Public Adjusters charge for their services?

Public Adjusters charge a percentage of the settlement for their services, with no upfront fees—they get paid only when you do. In Florida, fees are capped at 20% of claims paid after contract signing, reduced to 10% for claims made within a year of Governor-declared emergencies.

Are Public Adjusters trained specialists?

Your FAPIA Public Adjuster is tested, licensed, bonded and authorized to practice, with ongoing professional education through bi-annual conferences and regular updates to navigate the ever-changing insurance industry. Their professional network ensures you receive support from the best staff and professionals available.

Are Public Adjusters affiliated with insurance companies?

No, they are not. Their services are available only to the insured public, not the insurance company.

What should I consider when hiring a Public Adjuster?

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.

How can a lawyer improve my insurance claim?

A policyholder typically hires an attorney for complex or expensive claims, especially when the insurer completely denies coverage. For optimal results, your lawyer often works alongside a public adjuster, providing you with comprehensive representation against the insurance company.