Frequently Asked Questions
What Is A Public Adjuster?
We are Licensed Claims Adjusters and appointed by the State of Florida to represent you through the claims process and help relieve your stress. It is against the law for a contractor to help you with your claim and many come into the area after a storm and try to do so. We build a comprehensive claim package and then tell the insurance company what they should be paying you while helping you navigate the claims process. Your contractor can then focus on what they are licensed to do which is perform repairs.
What Does A Public Adjuster Do?
Our expert public adjusters… Prepare, File and Negotiate … your insurance claim to ensure you’re getting the maximum settlement for your claim.
The best Florida public adjusters, don’t stop there, though. The experts at Ask An Adjuster will:
Inspect your property before hurricane season to give you peace of mind that your property is damage-free prior to storm season at no cost to you.
Perform free insurance policy reviews to help you understand and evaluate your insurance coverage.
Why Should I Hire A Public Adjuster?
According to a study by The Florida Office of Program Policy Analysis and Government Accountability (OPPAGA), policyholders with public adjuster representation lead to higher average payments, sometimes considerably higher. The study offers an example of the average compensation for claims in FL. They are 747% higher when a public adjuster was involved.
When Should I Hire A Public Adjuster?
Call us at 877.275.0275 immediately after any damages occur or even for a free inspection to ensure you have no current damage. It is best if we are involved with the entire claims process from the beginning to ensure the best possible outcome for you and to help avoid any potential pitfalls.
Can I Prepare My Own Claim?
Yes, but it stands to reason that handling your own claim is like going to court without an attorney. You could do it, but without the knowledge of the rules and procedures, you might be at a sizable disadvantage. More specifically, a public insurance adjuster will assist you in the preparation of inventories, estimates and other factual proofs of loss. He or she will handle all the necessary details for compiling and filing claims as required by the terms of your insurance policies. They will also confer, on your behalf, with insurance company representatives and handle all matters essential to a proper resolution.
My Claim was Denied—Can I Get A Second Opinion?
Yes! If your insurance company denied your claim, you still have options. Denials often happen due to insufficient documentation, missed deadlines, policy exclusions, or disputes over the cause of damage. The first opinion comes from the insurance company’s adjuster, who represents their interests—not yours. A public adjuster, on the other hand, works for you to review your claim, gather proper evidence, and challenge unfair denials. We can reopen your claim, negotiate with your insurer, and work to get you the compensation you deserve.
Will My Insurance Rates Go Up If I File A Claim?
Many homeowners worry that filing a claim will cause their premiums to increase. However, the reality is that insurance rates tend to rise over time regardless of whether you file a claim. While your insurance company cannot legally drop you mid-policy for filing a claim, they can choose not to renew your policy once the term ends. However, if your claim involves a roof replacement, window replacement, updated plumbing, and/or electrical, you’ll have a brand-new roof and/or new windows and doors, which often makes you eligible for lower rates with a new insurer. In many cases, switching providers after a claim can result in better coverage at a more competitive price.
Can My Insurance Company Cancel My Policy if I Hire A Public Adjuster?
No, your insurance company cannot cancel your policy or increase your rates just because you hire a public adjuster in Florida. Your right to do so is protected under state law.
When Should I Contact A Public Adjuster?
You can reach out to us at any time—whether you’ve just experienced a loss or want to be proactive before disaster strikes. Anytime you’re considering repairs to your property, you should ask “Does my insurance owe me for this?”.
Right After a Loss – The sooner we get involved, the better we can advocate for you, ensuring your claim is properly documented and maximizing your settlement.
Before Damage Occurs – Even if your property has no damage, we can help you establish a Certificate of Good Condition, which provides documented proof of your home’s pre-loss state. This proactive step can help prevent wrongful claim denials in the future.
We’re here to protect your interests, whether you need immediate assistance or want to prepare for what’s ahead!
Frequently Asked Questions
We are Licensed Claims Adjusters and appointed by the State of Florida to represent you through the claims process and help relieve your stress. It is against the law for a contractor to help you with your claim and many come into the area after a storm and try to do so. We build a comprehensive claim package and then tell the insurance company what they should be paying you while helping you navigate the claims process. Your contractor can then focus on what they are licensed to do which is perform repairs.
Our expert public adjusters… Prepare, File and Negotiate … your insurance claim to ensure you’re getting the maximum settlement for your claim.
The best Florida public adjusters, don’t stop there, though. The experts at Ask An Adjuster will:
Inspect your property before hurricane season to give you peace of mind that your property is damage-free prior to storm season at no cost to you.
Perform free insurance policy reviews to help you understand and evaluate your insurance coverage.
According to a study by The Florida Office of Program Policy Analysis and Government Accountability (OPPAGA), policyholders with public adjuster representation lead to higher average payments, sometimes considerably higher. The study offers an example of the average compensation for claims in FL. They are
747% higher when a public adjuster was involved.
Call 877.275.0275 immediately after any damages occur or even for a free inspection to ensure you have no current damage. It is best if we are involved with the entire claims process from the beginning to ensure the best possible outcome for you and to help avoid any potential pitfalls.
Yes, but it stands to reason that handling your own claim is like going to court without an attorney. You could do it, but without the knowledge of the rules and procedures, you might be at a sizable disadvantage. More
specifically, a public insurance adjuster will assist you in the preparation of inventories, estimates and other factual proofs of loss. He or she will handle all the necessary details for compiling and filing claims as required by the terms of your insurance policies. They will also confer, on your behalf, with insurance company representatives and handle all matters essential to a proper resolution.
EVERYWHERE! Whether you’re in Northern Florida, Central Florida, Southern Florida or anywhere in between, our Florida public adjusters can provide claims services to you! Ask An Adjuster has office locations all throughout the state of Florida. If you need assistance with a claim or you’d like to review your insurance policy, we’ll find the best adjuster that fits your needs and your location.
Don't Take Our Word For It
Don't Take
Our Word For It
You Just
Have To Ask
You Just Have To Ask
Our Expert Public Adjusters
Fill out our contact form, and one of our qualified Florida public adjusters will get back to you to set up an appointment. Our inspection is free, and you don’t pay unless we are successful with a recovery!
How do I know when to contact a public adjuster? Any time you are doing repairs, you should get a free inspection from a public adjuster.
