Public Adjuster 4 You LLC

Yes! In Florida, you are allowed for a few years to file a supplemental claim. This legal document is available to folks who feel they have been shortchanged by their insurance company. Our experts review and audit your claim in order to be able to provide you with the expert advice you deserve!

No! Under Florida State laws, you have a right to seek the advice and guidance of a public adjuster if you are looking to file an insurance claim. It would be a serious violation of the law for your insurer to discriminate against you because you want to exercise your legal rights.

Yes. For an individual to act as a public adjuster, they must first hold a valid license and certification from the Florida Department of Financial Services. Regulated adjusters are usually mandated with ensuring that a policyholder gets maximum benefits during the insurance claim process.

We strongly recommend you hire us immediately after you sustain a loss. Involving us early will help us obtain evidence when it is still fresh, and also set the tone on how to best process your claim with other parties. The sooner we start working on your claim, the sooner you are likely to receive your settlement!

When preparing your insurance claim, our public adjusters consult with engineers, claim appraisers and many other experts in order to develop the best strategy for your case. Only after collecting, and meticulously examining, all the information do our experts complete the claim. We know that taking these steps will be instrumental in getting you the best payout from the insurance company! The Public Adjuster are licensed, bonded and state regulated.

There is no claim that is either too small or too big. Give us a call so that we can discuss your potential insurance claim, after which we will provide you with our expert opinion.

Our services are often sought by private individuals, professionals, law firms, and even other insurance adjusters. As long as you have faced a loss, and you are looking to file an insurance claim, you can hire a public adjuster.

Public adjusters typically take a small percentage of the settlement amount generated from your claim as fees. It is however important to note that public adjuster fees are regulated by the Florida Department of Financial Services. To learn more, contact our friendly staff.

An insurance claim adjuster is usually employed by the insurance company, when handling an insurance claim, these adjusters try to strike a balance between the interests of the insurance company and the policyholder. Independent adjusters often tend to settle a claim for the amount that they deem appropriate, which is not always beneficial for the policyholder. A public adjuster works exclusively for the policyholder who filed the insurance claim. Our Public adjusters are seasoned experts in understanding the scope of your policy and the responsibilities that your insurer has towards you. This vast accumulated knowledge is what allows our experts to negotiate for the maximum payout possible on your behalf!

YES! The best way to ensure that you get the maximum settlement from an insurance claim is to ensure that you file a detailed and complete claim. As public adjusters, we have the required skills and experience needed to prepare such complex documents. We examine the evidence and inspect the site, carefully documenting the details of your loss. All of these efforts pay big when is time to get your money back!

NO! There is a state code of ethics that regulates insurance companies thereby banning gauging. Insurance companies frown upon hiring a public adjuster because they will end up paying more. However, they can’t increase your insurance premiums for such a reason. If the insurance premiums increase, it’s because there are a lot of claims filed in a single locality prompting the premiums to increase in the entire region.

NO! There is a state code of ethics that regulates insurance companies, thereby banning gauging. Insurance companies frown upon hiring a public adjuster because they will end up paying more. However, they can’t increase your insurance premiums for such a reason. If the insurance premiums increase, it’s because there are a lot of claims filed in a single locality, prompting the premiums to increase in the entire region. Public adjusters who have committed some types of felonies are barred permanently from applying for a license. For other types of misdemeanors or felonies, the applicant will be disqualified from applying for a license for a specified period. Being permanently barred or disqualified from applying for a license is valid regardless of whether the person’s civil rights have been restored or if there was adjudication withheld on the case. TO LEARN MORE. VISIT OUR WEBSITE.

NO! To get a public adjusters’ license, one must be fingerprinted and pass a background check, criminal charges are not tolerated, and a person will be completely censured from applying for a public adjuster’s license. If a licensed public adjuster commits a crime, their license will be revoked and can be fined or jailed, depending on the type of charge. Public adjusters who have committed some types of felonies are barred permanently from applying for a license. For other types of misdemeanors or felonies, the applicant will be disqualified from applying for a license for a specified period.

NO! The State has put a cap on the total amount a public adjuster can receive. Keep in mind that filing of each claim takes some time and effort. The State requires that the total fee should be stated on the contract where the public adjuster and policyholder should sign. Most public adjusters handle services such as the following. > Filing all the paperwork on the claims > Investigating and scoping the property such as taking measurements, notes and photographs > Writing professional and detailed damage estimates and reports > Meeting with insurance personnel to investigate and discuss the claim > Making phone calls and emails throughout the claim process, etc.