Insurance companies can, and do, drop customers for any number of reasons, but not for hiring a public adjuster. The State of Florida gives you the right to hire a public adjuster to obtain relief from insurance claims that have been denied or underestimated. To cancel an insurance policy would be a serious violation of the law.

A public adjuster is the only adjuster licensed in the State of Florida to represent you and your interests against loss from insurance companies. Some insurance companies have a policy of deny and delay. Insurers will send one of their own adjusters to assess damage when a catastrophe strikes, but the reimbursement may be far less than the total cost of the repair or replacement.

The role of a public adjuster is to protect you and obtain a sufficient reimbursement commensurate with your loss. They work for you, not the insurance company. They’ll examine your policy to learn the exact terms, can have a claim reopened, and negotiate on your behalf. They can typically finalize a settlement in 90 days or less.

If the adjuster is dealing with a particularly recalcitrant insurance company, the issue may need to be settled in court, which will take longer. The good news is that 99 percent of people win their case when they have a public adjuster as their advocate.

Your insurance company can’t drop your policy if you hire a public adjuster. That’s your right under the laws of the State of Florida. Your public adjuster will charge you a percentage of the reimbursement they collect on your behalf. The maximum they’re allowed to charge is 20 percent. Filing an insurance claim can be time-consuming and nerve wracking. A public adjuster relieves stress on you and takes care of all the details.