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Public Adjusters: What They Are and What They Do

Every year, natural disasters like hurricanes and wildfires cause billions of dollars in damage. Homeowners are often left to deal with the aftermath of these disasters on their own, trying to figure out how to file a claim with their insurance company and get the money they need to rebuild.

Hiring a public adjuster is the solution. Public adjusters are experts in insurance claims and know how to get you the most money possible from your insurance company. They work on your behalf, ensuring that all damages are accounted for and that you receive the maximum payout allowable under your policy.

So, let’s dive into what public adjusters are and what they do.

What Is a Public Adjuster?

A public adjuster is a professional who advocates on behalf of the policyholder in the claims process with their insurance company.

The public insurance adjuster industry began in the late 19th century in response to widespread fraud and abuse by insurance companies and their own adjusting staff.

Today, public adjusters are regulated by most states and must pass a licensing exam.

Most public adjusters work on a contingency basis, which means they only get paid if they are able to get you a higher settlement than what the insurance company originally offered.

How Do Public Adjusters Help?

Public adjusters level the playing field between you and your insurance company.

The public adjuster will review your policy to make sure you are getting the coverage you are entitled to. They will also work with you to document all of the damage to your property. This includes taking pictures and videos, as well as creating a list of damaged items.

The public adjuster will then negotiate with your insurance company on your behalf to get you the best possible settlement.

Why Would I Hire a Public Adjuster?

There are many reasons why you might want to consider hiring a public adjuster.

  • If you have suffered a significant amount of damage, it can be overwhelming to try to deal with the insurance company on your own.
  • A public adjuster can help take some of the stress off of you by dealing with the insurance company directly.
  • They can also make sure that you are getting the full value of your claim.
  • In some cases, public adjusters may even be able to get you a higher settlement than what you could have gotten on your own.

Final Thoughts

If you are dealing with property damage, a public adjuster can be a valuable advocate. They can help make sure you are getting the full value of your claim and take some of the stress off of you during this difficult time.

And remember, public adjusters only get paid if they are able to get you a higher settlement than what the insurance company offered, so you have nothing to lose by at least talking to one.

Do you have property damage and need help filing an insurance claim? Contact Pro Claims Consultants today for a free consultation with a public adjuster. We can help you get the full value of your claim and take the stress off of you during this difficult time.

ABOUT PROCLAIMS CONSULTANTS

We are a State Certified Public Adjusting firm.

We have assisted thousands of property owners, business owners and condominium associations with 20 years of experience.

We work on your behalf to ensure we maximize your recoveries. We handle new claims, re-open, underpaid or denied claims. Please feel to contact us for a free consultation – no obligation inspection/assessment if you suffer any type of wind-hurricane damage, flood, water- pipe breaks, mold, fire, roof leaks, lighting, theft, or vandalism.

Our Mission is to provide insurance adjusting services with the highest levels of customer service and satisfaction with integrity & ethics.

Pro Claims Consultants is a member of FAPIA, Florida Association of Public Insurance Adjusters, which advocates for the policy holder in the state of Florida.  No recovery No fee!

Public adjuster consulting with new couple who have a damage claim against their insurance company.
Pro Claims Consultant Business Card

STORM DAMAGE INSURANCE CLAIM

STORM DAMAGE

Rain
Wind
Tornado
Lightning
Hurricane

BUSINESS INTERRUPTION INSURANCE CLAIM

BUSINESS INTERRUPTION

Payroll
Lost profits
Loan payments
Temporary relocation
Equipment replacement
Rent or mortgage payments

CAST IRON PIPE INSURANCE CLAIM

SYMPTOMS TO LOOK FOR

Mold
Foul Smells
Slow Drainage
Discolored Water
Plumbing Backups
Foundation Issues

AIR CONDITIONING LEAK INSURANCE CLAIM

AIR CONDITIONING LEAKS

Leaky AC repair
Part replacement
Compressor repair
AC refrigerant recharge
Refrigerant leak detection & repair

WATER DAMAGE INSURANCE CLAIM

WATER DAMAGE

Roof leak
Leaking drain pipes
Leaking hot water heater

FIRE DAMAGE INSURANCE CLAIM

FIRE DAMAGE

Landscaping
Personal property
Dwelling coverage
Detached structures

PLUMBING LEAK INSURANCE CLAIM

PLUMBING LEAK

Under sink leak
Burst water pipe
Leaking water pipes

VANDALISM DAMAGE INSURANCE CLAIM

VANDALISM

Theft
Broken FIxures
Damaged flooring
Broken doors and locks
Broken window glazing and frames

5 Signs You Need to Hire a Public Adjuster

When your home or property is damaged, it can be a trying time. You have to deal with the insurance company, make repairs, and try to get back to your life. But what if the insurance company doesn’t want to pay? What if they deny your claim or offer you far less than you deserve? That’s when you need a public adjuster.

A public adjuster is someone who will help you get the most from your insurance company. They know the system inside out and will work on your behalf to get you the money you need to make repairs and move on with your life. If you think you might need a public adjuster, here are a few signs that it’s time to hire one:

1. Your insurance company has denied your claim

While it’s not unusual for an insurance company to deny a claim, it is unusual for them to do so without any explanation. If you’ve been denied, it’s time to get some help. A public adjuster will be able to review your case and determine why the insurance company denied your claim. They may also be able to get the insurance company to reverse their decision.

2. Your insurance company is taking too long to process your claim

If it’s been more than a few weeks since you filed your claim and you’re still waiting for a response, it may be time to get some help. A public adjuster can help speed up the process by pushing the insurance company to take action.

Since public adjusters are paid on a contingency basis, they only get paid if you get paid. This means that they have a vested interest in getting you the money you need as quickly as possible.

3. Your insurance company has low-balled your claim

If the insurance company has offered you an amount that is far less than what you need to make repairs, it’s time to get help. A public adjuster will review your damages and come up with a fair estimate of what it will cost to repair or replace your property. They will then negotiate with the insurance company to get you the money you need.

4. You don’t know what your policy covers

If you’re not sure what your insurance policy covers, a public adjuster can help. They will review your policy and help you understand what is covered and what is not. This can be especially helpful if you have a complicated policy or if your damages are not covered by your standard home insurance policy.

5. You’re not sure how to file a claim

If you’ve never filed an insurance claim before, it can be a confusing and overwhelming process. A public adjuster can help you navigate the process and make sure that you’re doing everything you need to do to get the most from your claim.

Final Thoughts

If you’re dealing with damage to your home or property, the last thing you want to do is deal with an uncooperative insurance company. But you don’t have to go it alone. A public adjuster can help you get the money you need to make repairs and move on with your life. If you’re not sure if you need a public adjuster, these five signs are a good indicator that it’s time to hire one.

Need Help Filing an Insurance Claim?

If you’re in the process of filing an insurance claim, we can help. We’ll review your policy, assess your damages, and help you understand the claims process. We’ll also negotiate with the insurance company to get you the money you need to make repairs. To get started, give us a call or fill out our online form. We’re here to help you get the most from your insurance claim.

PRO CLAIMS CONSULTANTS
PUBLIC ADJUSTERS

SERVING SOUTH FLORIDA

BROWARD
MIAMI-DADE

PALM BEACH
MONROE

LEE
COLLIER

NO RECOVERY – NO FEE

305-305-1650 Broward/Miami-Dade

Map of south east Florida

PRO CLAIMS CONSULTANTS
PUBLIC ADJUSTERS

SERVING SOUTH FLORIDA

BROWARD
MIAMI-DADE
PALM BEACH
MONROE
LEE
COLLIER

 

NO RECOVERY – NO FEE

305-305-1650
Broward &
Miami-Dade

Map of south east Florida

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