Hiring a public adjuster is often a great decision that will ensure you can recover the full and proper settlement for your insurance claim. But since not every Florida Public Adjuster operates the same way, it’s important to compare your options carefully.
When choosing any insurance professional, you want to be sure you select the right fit for your needs. While the process of adjusting a claim may be similar no matter which professional you choose, you may find that the actual service, attention, and results you receive from a Florida Public Adjuster can vary greatly depending on which Florida Public Adjusting Firm you chose.
The good news is that it’s easy to narrow your options by asking a few simple questions prior to selecting your Florida Public Adjuster.
Here’s what we recommend you ask before choosing your Public Adjuster:
1) Are you a licensed Florida Public Adjuster?
This may seem obvious, but you need to be sure that you’re working with a licensed Florida Public Adjuster as there are others that may pitch similar services when in reality, they are roofers, contractors or unlicensed individuals that refer to themselves as Claim Consultants. In Florida, and in most states, aside from attorney’s, only a licensed Public Adjuster is permitted to negotiate with insurance companies on behalf of the policyholder.
The license ensures that the professional has gone through the appropriate steps required by law and is qualified to legally handle your claim.
Additionally, be sure that the professional is licensed in Florida as a Public Adjuster, as licensees from other states or licensed Independent Adjusters (IA’s are licensed to work for numerous insurance companies as opposed to staff adjusters that can only work for one) will not qualify.
2) How much experience do you have as a Florida Public Adjuster?
This one is important. Just because a Florida Public Adjuster is licensed does not mean they are good at what they do. In this industry, experience goes a long way. A more experienced public adjuster will have more in-depth knowledge of the claims process and will know how to handle the negotiation more effectively. Additionally, an industry veteran will also have more experience dealing with numerous Insurance Companies throughout Florida, which is instrumental as each of these companies have different policies and claims handling practices. Understanding these differences and how to effectively navigate the claim process with your insurance company can make all the difference in your final settlement.
A less experienced Florida Public Adjusting firm could make mistakes that result in:
- Slower claims process
- Inaccurate damage estimates
- Insurance payouts that are less than what you deserve
- A denied claim due to a failure to comply with your Post Loss obligations as outlined in your policy.
Checking experience is especially important if you’re searching for a public adjuster online. For example, if you are Googling “public insurance adjuster Florida,” be sure to look for signs of experience on their website as well as the actual name(s) of the Public Adjusters that work for the firm, you can then look up their license to at least see how long they have been licensed to practice in Florida. And when in doubt, ask.
|Did you know?
At Claim Concepts, every licensed public adjuster on our team has extensive experience in Florida Public Adjusting – for a combined 40+ years of experience in the claims industry. Not only that, members of our team have experience working “on the other side” for the big insurance companies, we know the tactics they use that may limit your payout and/or delay the proper settlement of your claim. Working with our team, you can rest assured that we know how to properly investigate, estimate, and ultimately recover the settlement that you deserve for even the most complex of residential or commercial claims.
3) What results have you produced for other clients?
Licensing is a must. Experience is even better. But most importantly, a reputable Florida Public Adjuster will have an actual track record of producing positive results for their clients.
When searching for “Public Insurance Adjuster Florida,” you may find a list of happy clients’ positive feedback on the Public Adjusters’ websites. The question is, who actually wrote that feedback? In today’s day and age, people are going to leave authentic reviews on Google, Facebook, Better Business Bureau, etc. If you only see testimonials on the website but nowhere else, that should be a warning sign.
Be wary of working with any Florida public adjuster that can’t provide any information from past clients regarding their experience working with their Public Adjusting Firm.
Have Questions? We’re Happy to Answer!
Call 800-801-2099 to learn more about working with our experienced, licensed Florida Public Adjusters at Claim Concepts.