Who Does a Public Adjuster Represent?

After dealing with an insurance adjuster and having their claim denied or underpaid, many individuals are reluctant to deal with another adjuster. It’s essential that individuals understand that a public adjuster works for them and represents their interests – not the insurance company. Insurance companies have legions of adjusters. One will be dispatched when a […]

Public Adjuster Hiring Pros and Cons

When individuals experience damage to their home or business, their insurance company is responsible for providing funds sufficient for repairs or replacement. The insurer will send one of their own adjusters to assess the site and attach a monetary amount to the damage. However, the funds may not be sufficient and a public adjuster can […]

Signs You Hired a Good Public Adjuster

South Florida Public Adjusters

Before you hire a public adjuster, it’s important that you perform due diligence. Just as with all professions, some individuals are better at their job than others. After all, you’re relying on the expert to obtain a bigger financial reimbursement for damage or loss of your home or business property. Reviews It’s an easy matter […]

Surety Bond Requirement for Public Adjusters

policy language

A surety bond for public adjusters is designed to guarantee the ability, honesty, integrity and performance of the professional. In Florida, the Department of Financial Services requires public adjusters to purchase a surety bond of $50,000 as part of the licensing process. Surety bonds can be purchased for terms of 1 to 3 three years. […]

Can My Insurance Company Cancel my Policy if I Hire a Public Adjuster?

Public Adjuster South Florida

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 […]

Should You Hire a Public Adjuster to Substantiate Your Losses?

Documenting your losses after a catastrophic event is an essential part of the insurance claim process when homes have sustained damage. You’ll typically receive a form to complete that enables you to note specific items that were damaged. The form may also want to know the age of the items. Hiring a public adjuster after […]

How to Interpret Insurance Policies

Understanding insurance policies is difficult. The legal terms are rarely explained and policy owners don’t want to appear uninformed so they don’t ask for clarification or explanations. Insurance policies are legally binding contracts and written in ways that are designed to protect insurance companies from loss. The language is a mish-mash of terms and language […]

Negotiating with an Insurance Company can be a Full-time Job

Any homeowner that has filed a claim for minor damage to their home can understand how time-consuming it is. There are forms to fill out, questions to answer and depending on the insurance company, photographs to take. Then there’s the wait for an insurance adjuster to come and assess the damage. For more extensive and […]

What are the Pros and Cons of Hiring a Public Adjuster?

Public Adjuster South Florida

In some instances, a public adjuster is the best option for obtaining the full amount of reimbursement to which insurance policy holders are entitled. The insurance company may deny the claim, reduce the amount of reimbursement, and will always look for ways to save the company money. Filing a claim can be very stressful. Minor […]

The Difference Between a Public Adjuster and an Insurance Adjuster

People are often reluctant to hire a public adjuster in regard to an insurance claim. They mistakenly think that their insurance company has their best interest at heart and everything will be fine – after all, they have an insurance policy. The major difference between a public adjuster and an insurance adjuster is for whose […]