Public Adjusting

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What Are Public Adjusters Anyway?

Insurance adjusters are licensed to determine whether or not your claim is covered and how much your provider owes you. But insurance companies have a financial interest in keeping your settlement as low as possible. They hire field adjusters and desk adjusters to investigate claims, but they have to protect the carrier's bottom line, which comes at your expense.

So if insurance companies can hire multiple sets of adjusters to protect them, why shouldn't you be able to hire an adjuster to protect you?

That's where Florida State Public Adjusters, Inc. comes in.

Public adjusters are just like any other insurance adjuster, except that they go through additional testing, licensing, and apprenticeships. This extra work, education, and experience is all put to use for you! Florida State Public Adjusters, Inc. handles the entire claims process from start to finish, working hard to fight for the money you're owed so you can fix your home and move on with your life.

Public adjusting services typically include the following:

  • Filing your claim

  • Reopening a previously closed claim

  • Writing an estimate or valuation for the replacement cost values (RCV) and actual cash values (ACV) of your damages

  • Determining cause of loss and insurance coverage

  • Preparing and filing proof of loss forms

  • Scheduling and attending any inspections requested by your carrier

  • Submitting all documentation mandated by your carrier

  • Negotiating with your insurance company on your behalf for a fair coverage decision

  • Reporting supplementary damages

Florida State Public Adjusters, Inc. often provides the following services to you at no additional cost:

  • Representing you in insurance appraisals and mediations

  • Providing litigation support (should litigation become necessary)

  • Loss consultancy services

We've written an article that goes more in-depth on what public adjusting is, as well as if retaining a public adjuster is right for you. You can check it out here to learn if our property insurance adjuster can help with your situation!