What is a Public Adjuster?

What Do They Do?

A Public Adjuster is a licensed insurance professional who helps homeowners and commercial property owners in case of any type of property damage. We negotiate with the property, or homeowner’s, insurance to get every single cent of what is rightfully owed based on the loss and damages. A Public Adjuster inspects the damages carefully, fully documenting every step of the way. Then, we calculate an estimate based on the costs of the damages. Afterwords, we submit this estimate to the insurance and finally, we fight to get the maximum settlement amount for the property owner. 

Blog - What is a Public Adjuster

Why Should You Hire One?

Insurance companies often tend to underpay or deny property damage claims. They do this in order to profit, as businesses. A Public Adjuster will fight with the insurance companies to maximize the payouts on the settlements. We help the property owner every step of the way through what can be a hard time when dealing with property damage. We help the property owners by explaining their insurance’s policies to them so that they can better understand  what kind of coverage they are entitled to. The best part about using a Public Adjuster is that we will only charge on a contingency bases, meaning that you only pay for our services if we win the claim for you. No money, no recovery. It is just as vital for us to win as it is for the property owner, which incentivizes us to always do our very best. 

How Much Do We Charge?

When dealing with a Public Adjuster, you don’t have to pay anything up front. Adjusters don’t get paid until, and if, we win the claim and reach a settlement with the insurance. Therefore, we get paid when you get paid. A Public Adjuster takes a percentage of the payout they fought for, from the settlement. The most an adjuster can charge for, in Florida, is 20%. Even with the Public Adjuster getting paid, you still tend to receive a lot more on your payout had you not hired one. In 2010, based off research from the state of Florida OPPAGA office, homeowners who submitted claims on their own received an average $2,029 vs. an average of $17,187 when represented by a Public Adjuster. This resulted in an increase of 747% in the homeowners’ insurance payout.

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