Florida Keys Public Adjusters helping with Hurricane Irma Claims

Claim Concepts team of Public Adjusters in the Florida Keys are working tirelessly to assist Policyholders with claims due to Hurricane Irma.

Florida Keys Public Adjuster help with hurricane irma claimsHurricane Irma victims are facing what is going to be a challenging journey towards recovery.  Surviving the storm itself is only the beginning, now the claims and rebuilding process begins.  Many business owners and homeowners are going to encounter what will likely be a challenging experience dealing their insurance claim when going at it alone.  It is never as easy as the TV commercial says it will be.  As State Licensed Florida Public Adjusters we are offering complimentary claim consultations to Business Owners and Homeowners throughout the Florida Keys.

What should you expect with your Hurricane Irma Claim?

Hurricane Irma claims in the Florida Keys are going to be complex, to say the least.  These properties have suffered extremely high winds as well as flood damage from the surge.  We have been seeing insurance companies sending out Engineers prior to their adjusters even visiting the homes.  Don’t be fooled by this tactic as it is likely in an effort to differentiate between damages due to flood and wind as the responsibilities will fall under different insurance companies.  The adjuster that will eventually make it to your home will most likely be an independent adjuster (independent contractor, can work for several different companies) from out of town as there are simply too many claims for any company to handle with their in-house adjusters.  These independent adjusters are handed multiple claims (sometimes in the hundreds) to handle and are forced to work extremely long hours to possibly keep up.  Their main job at this point is to view your loss and gather information necessary to prepare a preliminary estimate of your damages.  As nice and caring as these adjusters may seem, they still do have a job to do and are instructed by the insurance company as to how they would like their claims handled.  As Licensed & Bonded Florida Keys Public Adjusters, we are the ONLY adjusters that will exclusively represent your interests in a claim.  It is illegal for any person, other than a Public Adjuster or Attorney to represent your claim to your insurance company – BE CAREFUL as many people will offer these services but it is considered the Unauthorized Practice of Public Adjusting and it is not legal.

How does it work when hiring a Public Adjuster and how do they get paid?

As Florida Keys Public Adjusters we handle all aspects of your claim to ensure that you recover every last dollar possible under your policy.  Public Adjusters are in the business of keeping insurance companies honest by ensuring that the policyholder recovers an equitable settlement for all of their damages.  We handle everything from filing the claim to presenting all of your damages in an effort to ultimately recover the maximum settlement that you deserve.  We are the Insurance Claim Experts that you need in your corner.  The best part is that there are no upfront fees as we work on a small contingency fee based on a percentage of what is recovered from the insurance company and with that being said, we only get paid when you do.

Why should I hire a Public Adjuster?

In the image to the right, you will see the results of a study commissioned by Citizens Insurance on Florida Public Adjusters.  The study conducted by the Office of Florida Keys Public Adjusters will help with Hurricane Irma claim settlementsProgram and Policy Analysis & Government Accountability (OPPAGA) evaluated both daily claims and Hurricane related claims during the busy Hurricane Season of 2005.  The results were likely NOT what Citizens were hoping to see as the study proved the value of having a Public Adjuster to represent your interests throughout the claim.  The results concluded that during the 2005 Hurricane Season, the policyholders that were represented by Florida Public Adjusters recovered on average 747% more than policyholders that tried to handle the claim on their own.

You wouldn’t send your financials to the IRS and let them prepare your tax return, would you?  Of course not as it is obvious they are not looking out for your best interest.  We are the claim experts that will look out for your interests and ensure that you recover the maximum settlement for all of your losses.   



Free Claim Review With a Florida Public Adjuster

What our clients say…

  • Leroy R. AvatarLeroy R.

    Definitely agree with others' comments here. Greg at Claim Concepts is an honest broker. He is not just friendly and reliable-- he is also knowledgeable and hard-working. Even after Greg recognized there was not a "big job" at our home, he spent a lot of time helping us get a complex issue sorted out with our insurance company. Claim Concepts are good people. - 10/16/2019 

    Nancy P. AvatarNancy P.

    AWESOME SERVICES. - 10/02/2017 

    Tyler F. AvatarTyler F.

    Chris and his colleagues worked tirelessly to get my claim taken care of.They are the best insurance company I have ever worked with. I truly appreciated the time he took to explain my policy to me and the steps we needed to take to complete my claim.I will highly recommend them. - 8/23/2019 

  • Sidra C. AvatarSidra C.

    Greg was super help in guiding me when I called with my frustration of not getting things done with my insurance company. Even though Greg does not practice in Virginia but he was super nice to guide me by spending 20-30 minutes and because of his guidance I was able to get things resolved and I am very happy now. Thank you so much, Greg! - 4/09/2020 

    cyril s. Avatarcyril s.

    Hiring Claims Concepts was one of the best decisions that my wife and I have made. A remarkable group of good, sincere people with a strong work ethic. They turned a stressful situation into a positive outcome. The only regret we have is not hiring them sooner. We would recommend them without any hesitation. So, to Greg, Eric and Jesse we thank you from the bottom of our hearts! - 4/23/2019 

    Joel Z. AvatarJoel Z.

    The most professional organization that you will ever deal with.They really know the inner workings of insurance companies and how to get you what you deserve.It was an absolute pleasure working with Eric and the entire staff.They let you know step by step where you are in the negotiations and conduct themselves as true gentleman.I cannot praise their work ethics and follow through anymore than by giving them my heartfelt “thanks”, for a job well done.Ellen & Joel Zeiger - 10/23/2018 

If you are looking for a Public Adjuster Near Me, you came to the right place. Our Florida Public Adjusters represent Policyholders Statewide, including but not limited to the following areas:

Florida Panhandle, Bay County, Washington County, Holmes County, Jackson County, Calhoun County, Gulf County, Franklin County, Liberty County, Gadsden County, Wakulla County, Leon County, Panama City, Panama City Beach, Marianna, Port Saint Joe, Apalachicola, Blountstown, Tallahassee, Mexico Beach, Callaway, Chattahoochee, Lynn Haven, South Florida, Central Florida, Northern Florida, Southwest Florida, West Florida, Palm Beach County, Martin County, St Lucie County, Broward County, Okeechobee County, Brevard County, Glades County, Indian River County, Lee County, Dade County, Boca Raton, Jupiter, Palm Beach Gardens, West Palm Beach, Wellington, Boynton Beach, Lake Worth, Hobe Sound, Stuart, Palm City, Juno Beach, North Palm Beach, Royal Palm Beach, Singer Island, Riviera Beach, Collier County, Charlotte County, Palm Bay, Melbourne, Vero Beach, Cape Coral, Fort Myers, Orange County, Orlando, Port Saint Lucie, Weston, Delray Beach, Kissimmee, Fort Pierce, Greenacres