Is the Only Adjuster specifically licensed and bonded by the State of Florida to represent the Policyholder. A Public Adjuster’s main responsibility is to manage every aspect of an insurance claim process from beginning to end and to protect the Policyholder’s interest against a loss with the Insurance Company.
There is a major difference between An Independent Adjuster and a Public Adjuster. An Independent Adjuster is hired directly by the Insurance Company and their goal and duties is to represent and to protect the Insurance Company’s right, they have no obligation to represent the Policyholder’s interest. On the other side, a Public Adjuster works exclusively for the Policyholder and their main responsibility is to advocate and defend the Policyholder’s right and interest. They ensure the Policyholder is being compensated for everything they are owned after a loss.
Typically, most Public Adjusters are paid on a contingency fee which means the Public adjusters do not charge the Policyholder for any upfront fees, instead they will get a percentage from the overall payment once the claim is settled. The amount the Public Adjusters charge varies on experience as well as State regulation. In Florida, Public Adjusters are not allowed to charge more than 20% on daily losses such as Water, Fire, Vandalism, Roof leaks, Hail, wind, smoke and theft and not more than 10% on declared emergency claims during the first year.
You can hire a Public Adjuster at any stage of the Insurance claim process. Typically, the policyholder will hire a Public from the beginning of the loss until a settlement has been reached with the Insurance Company, but If Policyholder has already filed the claim and feels that they are being mistreated or neglected from the Insurance Company then you as the Policyholder may wish to hire a professional licensed Public Adjuster to take over the claim and negotiate a fair settlement on your behalf. Remember, the Public Adjuster works only for the Policyholder, not the Insurance Company.
A Professional and Experienced Public Adjuster knows exactly what to provide to the Insurance Company not only to expedite the settlement of your claim but also to secure the maximum settlement of your claim. Having a Public Adjuster on your side can save you a lot of time and stress of going through the claim process yourself. Insurance Companies make persistent and unnecessary requests from the Policyholder to delay the claim Process.
No, our Public Adjusters offer FREE property inspections and full review of the insurance policy to all our clients to determine that they have a valid claim and are covered by the Insurance Company. Once our Public Adjusters have completed an extensive inspection of the damages, then they will sit down with the Policyholder to explain the claim process and proceed with filing the claim with the Insurance Company.
At Prime Public Adjusters, we understand you just want to regain a sense of normality after a disaster. Our team works hard to keep the claim process moving forward quickly to help help collect the highest possible payout as soon as possible.