Public Adjusters exist to protect the private insured from large insurance companies that operate to make the highest profit possible. They are your best solution and will always be a better choice than trying to represent yourself in filing an insurance claim!

What is a public adjuster?

Public adjusters or commonly called private adjusters and are professional and highly skilled insurance claims experts who advocate for the home or business policyholder in investigating, documenting, appraising, and negotiating a claimant’s insurance claim. Aside from attorneys and the broker of record, public adjusters licensed by state departments of insurance are the only type of claims adjuster that can legally represent the rights of an insured during an insurance claim process. A public adjuster will be most beneficial when it is clear that the insurer will pay the claim and the only issue is the proper identification and valuation of the loss. Most public adjusters charge a percentage of the insurance settlement. They are only allowed to take their percentage of the insurance payments issued once they have been engaged and contracted to represent the insured. They are not allowed to take a percentage of the deductible in any state that we are aware of but it is illegal in Florida. Primarily they appraise the damage, prepare an estimate, other claim documentation, research building codes, and permitting requirements. They also understand the insurance policy language to determine coverage, understand exclusion, verify if any changes have been made through the use of endorsement, and negotiate with the insurance company’s claims adjuster.

Public Adjusters can adjuster auto claims, boat or yacht claims, home claims, business claims, or any property damage claim! You may be surprised to know that we even adjust claims for crop damage and commercial airlines. One of the areas we do not specialize in is auto claims, but we do work with luxury auto claims, For example, an antique high valued automobile or a luxury vehicle like a Rolls Royce or Ferrari. We focus on home and business insurance claims that suffered damages from wind, hail, a pipe leak, a plumbing leak, water damage, a pipe burst, a slab leak, fire loss, a falling object, and all covered causes of loss covered within your personal property and casualty homeowners or business owners policy.

Experienced Public Adjusters is the best team of skilled expert Public Adjusters in Florida and in the United States. We are licensed and operating in multiple states. Montana, South Carolina, Mississippi, North Carolina, and Montana. We are expanding into additional states and we have public adjusters we trust to refer claims to in the states we have not expanded into yet. Insurance claims in all states require a public adjuster to review a claim and verify that it was paid correctly.

A Public Adjuster or Private Adjuster is representative of the policyholder who advises, manages, and submits a claim to the policyholder’s insurance company.

Call an Experienced Public Adjuster today for a free home inspection and free insurance claim review. We maximize your settlement with the top-ranked insurance companies in Florida and the United States.