Public Insurance Adjusters in Florida - fighting for policyholder’s insurance claim

Many policyholders have never used Public adjuster and even they don’t know what an Adjuster does.

In Florida, policyholders with insurance claims have been in the millions over the past three years. Hurricane after hurricane swept through the state and left homeowners fighting with their insurance company over how much money they should get from damage. A large sum of these hardworking people where grossly underpaid on their property insurance claim. They took the insurance company's word for it and took whatever funds they offered.

Public Insurance Adjusters in Florida can reopen an Insurance claim up to five years after the damage has happened. They are the policyholder's claim adjuster when they feel like they have not received enough funds from their insurance company.

Getting an insurance claim completely reevaluated by a Public Insurance Adjuster is absolutely free in the state of Florida, so you do not have anything to loose. Public Adjusters are the good guys, because they have only the policyholder’s interest in mind. If you feel as though your insurance company didn't properly compensate you, there are simple, yet effective, steps you can take to recoup the money you so rightfully deserve.

Why should we hire a Public Adjuster?

You should always have an expert to work with you and represent your interest, especially when substantial amounts are involved. Accordingly, it is important for you to be aware the services of Public adjusters. Public adjusters are licensed professionals hired by you to serve your interests. They are experienced in claims processing. Public adjusters represent only you, the policy holder, and will establish the maximum claim to which you are rightfully and legally entitled.



The insurance company has their own adjuster to represent their interests and settle the claim for the least amount possible. These adjusters are not promoted on the basis of settling claims in the maximum amount!

Insurance Claims Adjuster - How do they work?

Insurance claims adjuster investigate the claims, negotiate settlements, and authorize payments to claimants. Insurance Claims Adjuster must have at least a high school diploma, but many have college degrees.


• The Claims Adjuster interviews the customer and any witnesses, inspects the damage done to the property and consults any official records. Claims Adjusters document the information they gather in a report, and they settle valid claims and work with attorneys to defend the insurance company against contested claims.
• Insurance Claims Adjusters work mainly for casualty and property insurance companies, but can work for commercial insurance, disability insurance, medical insurance or health insurance companies.
• The University of Central Florida offers an ACA (Accredited Claims Adjuster) pre-licensing course. Students who successfully complete the course get a Florida all-lines license and do not have to take the state exam.
• Claims Adjusters must keep up-to-date on state and Federal laws, court decisions and new drugs and medical procedures. Any changes, amendments or advances may affect the handling of claims and or a policy's coverage. Many companies provide additional training to help their employees stay on-top-of changes in the industry.

How can you Choose the Right Public Adjusters?

Public Adjusters only work on property claims, such as homeowners, apartment complexes, and businesses. They do not represent clients in auto or liability claims.

Before hiring a public adjuster you should do the following:

Use your computer search engine and search for “Public Adjuster” along with your city or zip code. Look in the Yellow Pages under “Public Adjusters

Contact two Public adjusters in your area and interview them with these questions:

v      How many years have you been a Public adjuster?

v      Can you provide a list of at least ten satisfied customers with phone numbers?

v      Do you have documentation of your success in insurance settlements?

v      Have you ever had a complaint filed against you with the Department of Insurance?

v      Please explain your fees and how you are paid.

v      Are you licensed in your state?

Public insurance adjusters Florida

Public Insurance adjusters are licensed by the state and must follow strict ethical practices. The expertise of a public insurance adjuster working on your side ensures that your interests are properly represented. A public insurance adjuster understands and will make sure that you get a fair settlement.

If you don’t understand the policy itself, you will be ill-equipped to fight for your rights under the terms of the policy. In addition, did you know the burden of proof is on you? You have a huge amount of work ahead of you – the insurance company isn’t going to do it for you. The help of a public insurance adjuster extends far beyond interpreting the insurance policy. Your public adjuster will help prove your losses and negotiate a fair settlement.

Public Adjuster Assures Maximum Settlement for Flood Damage Claims

ASPA is a licensed Public Adjuster empowered by a team of qualified adjusters, well-versed in the ins and outs of insurance claims. The firm has joined hands with all leading and existing flood damage insurance companies in the United States, putting them at an advantage to obtain the best compensation that covers all flood damages for their clients.

via Public Adjuster Assures Maximum Settlement for Flood Damage Claims

What do public adjusters really do?

Public adjusters are interested in representing the property owner during the insurance claim. Similar to the relationship one would have with an attorney for a legal matter, the public adjuster represents the interests of the property owner. The insurance adjuster for the insurance company is an employee of that company. The public adjuster works for the property owner.

Public adjusters are licensed by the California Department of Insurance. A public adjuster’s license can be verified by calling 1-800-927-4357 or checking on the Department of Insurance website at www.insurance.ca.gov. The National Association of Public Insurance Adjusters is the training and membership organization and can be contacted through the NAPIA 

Difference between Public insurance adjusters and company staff adjuster

Public Insurance Adjusters are employed and paid by the policyholder not buy company. His responsibility is exclusively to the policyholder. 

Company staff Adjusters, independent insurance Adjusters, and other experts employed or retained by the insurance company work in the best interest of the insurance company. Accordingly, their duties and responsibilities are to their principle, the insurance company. Public Adjusters are licensed, educated, and trained in the policy coverage, state regulations and statutes that guide first party property damage claim handling. 

Public insurance adjusters with hurricane damage claim

Hurricane damages are often sudden and dramatic. Hurricanes generate tornadoes which can cause tremendous damage to one property.



What do you do when you know your property has been damaged but the insurance company adjuster doesn't see it? You should hire Public insurance Adjusters to represent you. You have five years to re-open your claim for supplemental payment. Public insurance adjusters review the insurance company estimate, any photos, invoices and receipts you may have and inspect your property to determine the proper scope of work and any deficit in your initial settlement offer.

Public Insurance Adjusters document your damage, estimate your loss, and negotiate your hurricane damage claim to your insurance carrier. The initial presentation of your claim is vital to your claims' success, therefore make sure you have professional that does it right the first time.