The short answer is, no. On a weekly basis we deal with clients in the situation where they were offered or paid too little by the insurance carrier. They have a need to protect their interests. Your claim value is likely to change substantially when written up by a Public Adjuster representing your interests. You have a right to receive all the funds available under your policy for the property damage loss. The best way to go about it is to make sure you have a trusted, licensed Public Adjuster on your side.

We are paid a small percentage of the total settlement amount we obtain for you. Our fee is almost always offset by the higher insurance settlement you should receive with our assistance. There are no upfront fees and if there is no money recovered then no fee owed.

A Public Insurance Adjuster is a licensed and bonded insurance professional who represents the policy holder when they’ve experienced property damage. Public adjusters work exclusively for policy holders (not the insurance company) with their best interests in mind. 

All Claims USA Public Adjusters perform a number of functions for our 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.

FAPIA (Florida association of public insurance adjusters) is an organization dedicated to educating the public about public adjusters and promoting a high standard of public adjuster professionalism, knowledge, code of ethics, and expertise. All Claims USA Public Adjusters, like all reputable public adjusters in FL, is a member.

If your Florida Public Adjuster is a FAPIA member you can rest assured they are operating under a strict code of ethics and they take advantage of the best quality Public Adjuster specific continuing education in the country.

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.