Frequently Asked Questions about working with Public Insurance Adjusters

 1. What Does a Public Adjuster Do?

A public adjuster is a licensed insurance professional who works exclusively on behalf of policyholders to manage and file insurance claims. They assess property damage, gather documentation, and submit claims to the insurance company, ensuring the process is handled correctly. Public adjusters are particularly valuable for complex or high-value claims, as they negotiate directly with the insurer to maximize the settlement. Unlike insurance company adjusters, who work for the insurer, public adjusters represent the policyholder's interests and strive to ensure they receive full compensation. This includes:

• reviewing policy details,

• estimating the cost of repairs or replacements, and

• challenging low settlement offers from the insurer.

2. How Much Does a Public Adjuster Charge?

Public adjusters typically charge a contingency fee, which is a percentage of the total settlement amount recovered. In Florida, public adjusters can charge up to 10% of the settlement for claims filed during a state of emergency, such as after a hurricane, for up to one year.

For other claims, the cap is 20%. This fee is only payable after the policyholder receives their insurance payout, meaning there are no upfront costs for hiring a public adjuster. It’s important to note that the fee does not apply to any amounts already paid by the insurance company before the public adjuster was hired. This fee structure incentivizes the adjuster to maximize your payout.

3. When Should I Hire a Public Adjuster?

Hiring a public adjuster is recommended when dealing with large or complicated insurance claims, especially after major disasters like hurricanes. They are beneficial when the damage is significant, and the policyholder feels overwhelmed by the process.

Additionally, if an insurance company offers a low settlement, a public adjuster can help negotiate for a fairer amount. If you're unsure about the value of your claim or if you suspect the insurance company is undervaluing it, a public adjuster can step in to ensure all damages are accounted for. Public adjusters are also helpful if your claim has been denied or delayed by your insurer.

Insurance Adjuster HOTLINE 24/7: 813-402-8895

4. How Can I Find a Reputable Public Adjuster?

To find a reputable public adjuster, start by verifying their license with the Florida Department of Financial Services to ensure they are legally allowed to operate. Look for an adjuster with experience handling claims similar to yours, particularly if the damage is complex. Ask for local references, and consider speaking with former clients to get a sense of their professionalism and success rate. Additionally, confirm that the adjuster does not have any conflicts of interest, such as offering both adjusting services and construction or repair services. It’s also a good idea to ask how the adjuster will communicate with your insurance company and their process for keeping you informed.

For example, Global Patriot Adjusters is licensed in FL with the following credentials: FL Lic# W114358, FL Corporate Lic# W811924.

5. What Questions Should I Ask Before Hiring a Public Adjuster?

Before hiring a public adjuster, ask about their experience with similar claims, particularly in the Tampa and St. Petersburg areas where hurricane damage is common. You should also inquire about their contingency fee and any other costs you might incur. Ask how often they’ll update you on your claim's progress and how long the process will take. Confirm whether the adjuster will handle your claim directly or if it will be outsourced. Lastly, clarify if they have experience working with your specific insurance provider and how they will negotiate for the maximum payout.

Schedule a no-obligation free claims consult at 813-402-8895

Other popular questions homeowners and business owners in Florida have asked us about public insurance adjusters in Florida.

What is a public insurance adjuster?

A public insurance adjuster is a licensed professional who represents policyholders during the insurance claim process. Unlike an adjuster hired by the insurance company, a public adjuster works solely for you, ensuring that all damages are accurately assessed and that you receive a fair payout. They handle every aspect of the claim, from documenting damage to negotiating with the insurance company, allowing homeowners and business owners to focus on recovery without worrying about under-compensation.

How does a public adjuster differ from an insurance company adjuster?

The primary difference between a public adjuster and an insurance company adjuster lies in who they represent. A public adjuster works for the policyholder, advocating for the best possible settlement. In contrast, an insurance company adjuster works on behalf of the insurance company, often aiming to minimize payouts. A public adjuster ensures that all losses—whether from wind, water, or structural damage—are thoroughly evaluated, while the insurance company's adjuster may only focus on limiting the claim's cost to the insurer.

Do I need a public adjuster for hurricane damage?

Yes, hiring a public adjuster for hurricane damage is highly beneficial. Hurricanes cause widespread destruction, including wind, water, and structural damage, which can be challenging to assess accurately. A public adjuster helps ensure that all damages are thoroughly documented and that you receive the maximum compensation to cover repairs, rebuilds, or replacements. Given the complexity of hurricane damage claims, working with a professional advocate like Global Patriot Adjusters can prevent you from being underpaid or overwhelmed by the claims process.

Schedule a no-obligation free claims consult at 813-402-8895

How much does a public adjuster charge?

Public adjusters typically charge a percentage of the final claim settlement, usually ranging from 10% to 20%, depending on the size and complexity of the claim. In Florida, regulations cap the fees public adjusters can charge, especially after hurricanes, ensuring transparency and fairness. Importantly, public adjusters are only paid once you receive your settlement, so there are no upfront fees. This contingency-based payment structure ensures that the adjuster is motivated to maximize your claim.

How do I choose a reputable public adjuster?

To choose a reputable public adjuster, first ensure they are licensed in Florida. Check their track record, particularly with hurricane claims, and look for references or testimonials from past clients. Experience in your specific type of damage—such as wind, water, or structural—is crucial. Be wary of adjusters who pressure you to sign quickly or charge upfront fees. A professional, well-established company like Global Patriot Adjusters will provide a clear contract, outlining fees and services, and will be transparent about the entire process.

When should I hire a public adjuster?

It’s best to hire a public adjuster as soon as possible after the hurricane damage occurs. Getting a public adjuster involved early allows them to document the damage before any repairs are made and ensures that no aspects of the claim are overlooked. However, even if you’ve already filed a claim or received an initial offer, you can still hire a public adjuster to review your case and negotiate for a better settlement if you feel underpaid.

Schedule a no-obligation free claims consult at 813-402-8895

What types of damage can a public adjuster help with (wind, water, etc.)?

Public adjusters assist with a wide range of damage, including wind damage from hurricanes, water damage from flooding or leaks, structural damage to roofs and walls, and even business interruption claims. They thoroughly assess all aspects of the damage to ensure that everything, from minor cosmetic repairs to major structural issues, is accounted for in your claim. At Global Patriot Adjusters, we specialize in complex storm-related damages, making sure all types of destruction are accurately documented and compensated.

Will hiring a public adjuster speed up the claims process?

Yes, hiring a public adjuster can often help speed up the claims process by ensuring that all necessary documentation and damage reports are provided quickly and thoroughly. Public adjusters are experts in dealing with insurance companies, so they know how to avoid common delays and pitfalls that slow down claims. With their experience and advocacy, they can push for a timely settlement that fully compensates you for your losses, allowing you to start rebuilding faster.

Can a public adjuster increase my claim settlement?

Yes, public adjusters are often able to increase the amount of your claim settlement. They carefully assess all damages, ensuring that nothing is overlooked, and negotiate directly with the insurance company to maximize the payout. With their expertise, they can identify losses that may not be apparent to the average homeowner or business owner, leading to higher compensation. Global Patriot Adjusters work to ensure you receive every dollar you're entitled to for repairs, replacements, and lost business income.

Schedule a no-obligation free claims consult at 813-402-8895

What’s the role of a public adjuster in handling water damage claims?

Public adjusters play a crucial role in water damage claims by thoroughly documenting both visible and hidden damage. Water damage, especially from hurricanes, can be extensive and affect areas of the property that are not immediately obvious. A public adjuster ensures that the full extent of water intrusion—whether from flooding, roof leaks, or other sources—is accounted for. They work with experts to assess mold risk and structural integrity, ensuring that your settlement covers all necessary repairs.

How do public adjusters handle structural damage claims?

Public adjusters assess structural damage by carefully documenting all visible and hidden damage to a building’s framework, roof, walls, and foundation. After a hurricane, structural issues can range from minor cracks to major compromises in safety and integrity. Public adjusters work with contractors, engineers, and other professionals to evaluate the full scope of the damage. They ensure that all necessary repairs are included in the claim and negotiate with the insurance company to cover the costs of rebuilding or restoring the structure.

Can I hire a public adjuster after my insurance company has already made an offer?

Yes, you can hire a public adjuster even after your insurance company has made an offer. If you feel that the initial settlement offer is insufficient to cover your damages, a public adjuster can step in to review your claim, reassess the damage, and negotiate for a higher payout. Public adjusters are skilled at identifying overlooked damages and underreported losses, which can lead to a more accurate and fair settlement, even after an initial offer is made.

Schedule a no-obligation free claims consult at 813-402-8895

What is the claims process with a public adjuster?

The claims process with a public adjuster begins with an initial consultation, where they assess the damage and review your insurance policy. Next, the adjuster documents the damage in detail, often working with experts to ensure all losses are accounted for. They then submit the claim on your behalf, negotiate with the insurance company, and handle all correspondence. The adjuster will advocate for you throughout the process, ensuring that you receive the maximum compensation. Once a settlement is reached, they take a percentage as their fee.

Do public adjusters help with business interruption claims?

Yes, public adjusters are experienced in handling business interruption claims, which cover lost income due to a disaster like a hurricane. They work to document the financial impact of the interruption, including lost revenue and extra expenses incurred while the business is closed or operating at reduced capacity. Public adjusters help ensure that these losses are included in your claim, helping you receive compensation to keep your business afloat while repairs are made or operations are restored.

Can a public adjuster help if my claim is denied?

Yes, a public adjuster can help if your claim has been denied. They will review the denial, reassess the damage, and determine whether the denial was justified. In many cases, claims are denied due to missing documentation, miscommunication, or misinterpretation of policy language. A public adjuster will address these issues and work with the insurance company to reopen the claim or file an appeal, advocating for a fair resolution.

Schedule a no-obligation free claims consult at 813-402-8895

Are public adjusters licensed and regulated?

Yes, public adjusters are licensed and regulated by the state. In Florida, public adjusters must meet strict licensing requirements, including passing an exam, maintaining continuing education, and adhering to ethical standards set by the Florida Department of Financial Services. These regulations ensure that public adjusters are qualified to represent policyholders and act in their best interests throughout the claims process.

Can a public adjuster assist with flood damage claims?

Yes, public adjusters can assist with flood damage claims. Flood damage is often extensive and can involve complicated claims processes, especially if you have separate wind and flood insurance policies. A public adjuster will assess all aspects of the flood damage, from structural issues to water intrusion, and work with your insurance providers to ensure that you receive the compensation needed to repair or replace damaged property. Their expertise is particularly valuable in documenting the full scope of flood-related losses.

How do public adjusters work with contractors to estimate repairs?

Public adjusters collaborate with contractors, engineers, and other professionals to accurately estimate the cost of repairs. They rely on these experts to provide detailed assessments of the damage, including structural integrity, materials needed, and labor costs. Public adjusters use this information to ensure that the insurance claim includes all necessary repairs. By working closely with contractors, they provide realistic and thorough estimates to the insurance company, maximizing your payout.

Schedule a no-obligation free claims consult at 813-402-8895

What documentation does a public adjuster need from me?

A public adjuster will need various documents to effectively manage your claim. This includes your insurance policy, any previous communications with the insurance company, and documentation of the damage (photos, videos, and repair estimates). They may also need access to receipts for repairs or replacements, an inventory of damaged belongings, and financial records for business interruption claims. Providing thorough and accurate documentation helps the adjuster build a strong case to maximize your claim.

Will hiring a public adjuster delay necessary repairs to my property?

No, hiring a public adjuster does not delay necessary repairs. In fact, a public adjuster can expedite the process by ensuring that the claim is handled efficiently and all damages are documented correctly. You can make temporary repairs to prevent further damage (like tarping a roof or boarding up windows), and the costs of these emergency repairs can be included in your claim. The adjuster’s goal is to secure a fair settlement as quickly as possible so that permanent repairs can begin.

How long does it take for a public adjuster to settle a claim?

The time it takes for a public adjuster to settle a claim depends on the complexity of the damage and the cooperation of the insurance company. In some cases, a claim can be settled in a few weeks, while more complicated cases, such as those involving extensive hurricane damage, may take several months. Public adjusters work to move the process along as efficiently as possible, but they also take the necessary time to ensure all damages are properly assessed and included in the final settlement.

Schedule a no-obligation free claims consult at 813-402-8895

Are public adjusters only needed for large claims?

No, public adjusters are helpful for both large and small claims. Even for smaller claims, having a public adjuster ensures that all damages are thoroughly documented and that you receive a fair payout. For large or complex claims, such as those resulting from hurricane damage, a public adjuster’s expertise can be invaluable in navigating the process and maximizing your settlement. Whether your claim is for minor repairs or major structural damage, a public adjuster can advocate on your behalf.

Will my insurance company reject my claim if I use a public adjuster?

No, your insurance company cannot reject your claim simply because you are using a public adjuster. In fact, public adjusters are licensed professionals who work within the legal framework set by the state. They have the right to represent policyholders in negotiations with insurance companies. Insurance companies are required to process your claim fairly and cannot penalize you for seeking the help of a public adjuster to ensure your interests are fully represented.

Do public adjusters handle both residential and commercial claims?

Yes, public adjusters handle both residential and commercial claims. Whether you are dealing with damage to your home, rental property, or business, a public adjuster can help you navigate the claims process. They have experience in assessing a wide range of damages, from structural issues in homes to business interruption and equipment loss in commercial properties. Their expertise covers all types of properties and ensures you get a fair settlement for your specific situation.

Can a public adjuster negotiate with my insurance company on my behalf?

Yes, public adjusters negotiate directly with your insurance company on your behalf. They act as your advocate throughout the claims process, handling all communications and negotiations. Public adjusters use their expertise to challenge lowball offers, ensure all damages are accounted for, and maximize your settlement. Their experience with insurance policies and claims negotiations makes them effective in securing the best possible outcome for you.

Call us 24/7 at 813-402-8895.