We are paid a fixed percentage (determined on a case by case basis) of the total settlement amount we obtain for you. There are no upfront fees.
A public adjuster is a loss management expert. Public adjusters work for policy holders with their best interests in mind. They do not work for your insurance company. They perform a number of functions for their clients, including but not limited to:
It’s important to understand that you must prove to your insurance company they owe you for the loss. While your insurance company ostensibly serves you as its customer, there are times when an insurance company’s interests may collide with those of the policy holder. A public adjuster, on the other hand, always prioritizes the needs and interests of the policy holder. Your public adjuster has the proper license and experience to help provide all that is needed to the insurance company, including a full detailed professional estimate of damages. You are in a much better position having a Public Adjuster on your side.
While your insurance company won’t require you to have a public adjuster, there are several reasons you should not allow your agent to handle the entire process. Public Adjusters are licensed by the state and are loss experts. You should always have a professional on your side. You’re likely to get a more accurate assessment of damages and higher settlement if you use a public adjuster.
The insurance process is a complex one, which is not designed for clarity or the ease of the laymen. A public adjuster understands the process and the jargon and loopholes in your policy, and has a vested interest in helping you understand them as well. A mistake on your part could delay your claim, or even result in its denial.
No. Prior to accepting your settlement, there are numerous methods you can use to dispute your insurance company’s findings. Your public adjuster can guide you through this process.
It’s a good idea to do so. In fact, you should call your public adjuster before taking any action in response to the loss (aside from preventing further damage). A public adjuster can review your case and give their professional opinion on the best next steps. If you already called in your claim, or if your claim has been denied- no worries, Public Adjusters can jump in any time to help handle the case and get you paid what you deserve.
No to both questions. It is considered a conflict of interest—and a serious one—for public adjusters to work as contractors on claims they are handling, and for contractors to handle claim negotiations.
First thing is to make sure your Public Adjuster is licensed and bonded.
Check out the Public Adjusters reviews and testimonials
Have them explain the process and how you get paid
Make sure you like the private adjuster! You want to work with someone that is is friendly and responsive and always there for you during the process.
NAPIA (National Association of Public Insurance Adjustors) is an organization dedicated to educating the public about public adjusters and promoting a high standard of public adjuster professionalism, knowledge, and expertise. All Claims USA Public Adjusters, like all reputable public adjusters Boca Raton FL, is a member. We are also a member of FAPIA (Florida Association of Public Insurance Adjusters).