Private insurance adjusters are licensed professionals that policyholders hire to help them get the best insurance claim from their insurance company.
Private insurance adjusters, a.k.a. Public adjusters help policyholders get the proper guidance of an expert advocate to deal with the insurance claims.
They are well qualified and experienced in this field and can help you file the insurance claim with the necessary details needed to meet all the insurance company’s requirements and help you recover a fair amount.
But what if you are living in Florida? What are your correct times to hire a private insurance adjuster? And who are the best public adjusters in Florida?
These are the questions that I’ll be answering with the help of this article. Therefore, read till the end to get all the ins and outs of hiring the best private adjusters in Florida.
The Right Time To Hire An Adjuster In Florida
Florida is the state which is always at risk of devastating storms, floods, and hurricanes. The properties are at high risk, requirements especially for those who are living beside the shore.
For instance, you live in Florida, and you are also a homeowner. Now let’s say a severe storm struck the entire state, and many homes and businesses were demolished. And one of those was of yours as well.
The only option you have is to call your insurance company and inform them about this matter. The insurance company will then ask you to prepare all the documents and pieces of evidence required to substantiate your claim.
This is where you’ll be needing the help of your private insurance adjuster to do the job for you to make all the documents and proper estimations of all the items that were destroyed with your resident.
You might already be wondering whether you’ll be able to provide all the pieces of evidence and documents by yourself.
The answer is “YES,” but there are higher chances that you’ll not be getting the entire claim for which you have filed for.
There are a few languages and policies which only an experienced adjuster can understand. Public adjusters are those professional experts who are trained to review, understand, and investigate all sorts of claimed policies.
Moreover, without proper knowledge, you might even miss out on any additional coverages of your property which you are not even aware of.
Although, indeed, public adjusters don’t work for free. But there are many cases where a public adjuster will not charge you for paying a visit to your loss site. Instead, they’ll give a thorough look over the property, and after they are willing to take your case, they’ll charge a percentage of the claim that you’ll receive from the insurance company.
For example, if you receive an entire claim of $200,000 from your insurance company, in many cases, there are chances that your public adjuster will charge 10% of the claim amount that makes it $20,000.
But this percentage can vary between adjusters. If an adjuster is experienced and highly qualified that they might charge a higher rate.
This is why the state law in Florida has restricted at most 20% of the claim money. Although, many adjusters can even charge less fee if they have a large claim case on their hands, like a million-dollar or more!!
The Best Public Adjusters Firm In Florida
There are many adjusting firms in Florida, but Ask An Adjuster Claims Adjusting is the one you can have if you are looking for the best.
We are one of the largest public adjusting companies in the state. The public adjusters who work for us are highly trained and skilled. You can avail their expertise for all sorts of insurance claims.
The prime goal of Ask An Adjuster is to provide the best quality service to policyholders. And we have succeeded in doing so over the years.
Reasons to Work with Us
- The moment you submit your claim to the insurance company, the first thing that they’ll do is send you an insurance adjuster to inspect the entire site. And the estimation that the adjuster will make will always be in favor of the insurance company. But the Ask An Adjuster works only for the policyholders and not for the insurance company.
- Our adjusters will help you prepare files, documents, and evidence and always maximize your chances to get the best claim possible.
- We will also help perform insurance policy reviews that are also free of cost.
Therefore, you really shouldn’t be bothering in searching for the best adjusters in Florida, as you already have us right at your doorsteps.
When Do You Need An Adjuster?
The best time to have these professionals by your side is the moment a calamity got down onto your property. The quicker you are at calling these experts, the faster your claim procedure will take place.
In this following section, I’ll be telling you about the situations of when you can call these experts to stand by your side:
1. The Time Is Short For You To Reach The Demands of Your Insurance Company
You have a lot of work to do than just going back and forth, convincing your insurance company to settle down your claim. Moreover, you have a family to look after, and they need you more than anything during those unwanted times.
And believe me, you really don’t need to take all these stresses of insurance claims and all. Just hire your public adjusters, and they’ll handle the rest for you.
2. When You Face Troubles In Knowing Your Policy
It’s very natural to get confused with all these insurance policies and all. There are so many details that might seem very complicated to you. And to be honest, it’s not only you who face issues regarding these policies. Many people still suffer in understanding these as well.
You might even have trouble knowing all the facts regarding your coverage. As in most cases, many homeowners don’t know what additional coverages they have. This is where your public adjuster will come in handy. They will review all the coverage for you without any hesitation.
3. Not Having Proper Expertise On This Field
You simply can’t be an expert in all the fields. Especially in the field of an insurance claim, it really can prove to be “rocket science” for you.
Filing an insurance claim just by yourself without having proper knowledge can prove costly for you, especially when you are trying to deal with complicated damages. Not only that, evaluating every single detail can give you a headache.
This is why you need an expert in this field to carry out all the procedures on your behalf, not miss out on any valuable details that might be a game-changer for your claim.
4. Knowing The Actual Extension of Your Damage
When a property gets demolished, there are varieties of damage that it can come up with. There are even a few damages that are very likely to be missed out on.
Even certain damages might have been placed in the wrong categories. Therefore, it can create a wrong evaluation for your property.
That’s why your public adjuster is here to investigate all the finest of details necessary, starting from your roof and to your basement. They’ll be making you a near-to precise estimation of your damages so that they can present it to the insurance company for your best claim.
5. Public Adjusters Take Their Time
Unlike insurance adjusters, public adjusters will always take time before concluding their investigation. They run through each and every detail so that there are minimal chances of the insurance company refusing your claim.
Not only that, the public adjusters will not leave your side unless you get the entire claim for which you have filed.
Whenever you are hiring a public adjuster, always make sure that you go through their details and their level of experience. You must know, the adjuster whom you are hiring has a decent amount of expertise in this field.
Always ask your adjuster about the other clients they have worked for. Moreover, an experienced adjuster will always share his details with you to make you feel more assured.
Check for their websites and keep in mind hiring certified adjusters, as they are more likely to be in regular practice with these claim procedures. hire
Finally, always check for the reviews of other clients who have hired them before, as this will give you a clear idea about their professionalism. And never hesitate to ask questions to your adjuster as they are always there to provide you with any sort of clarifications you need.
I hope this article will help you to know all the details of private claims adjusters in Florida!!
Ans: Public adjusters take a percentage from the received settlement that the policyholders get from their insurance. In the state of Florida, a public adjuster can charge 20% of the claim at maximum after signing the contract with you. However, in the state of emergency declared by the governor, the fee is reduced to 10% for claims made in the first year after the date of loss.
Frequently Asked Question
Q. How do public adjusters get paid?
Ans: Public adjusters get a percentage from the received settlement amount that policyholders get from their insurance. In the state of Florida, a public adjuster can charge 20% of the claim at maximum after sighing the contract with you. However, in the state of emergency declared by the governor, the fee is reduced to 10% for claims made in the first year after the date of loss.