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What is a public adjuster?
An individual licensed through the Florida Department of Financial Services and an expert authority on claims adjustment who you can hire to assist you, the policyholder only, in preparing, filing, and settling residential and commercial claims.
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Can’t I prepare my own claim just as well by myself?
An average insured may suffer only one loss in their lifetime. It stands to reason that a Public Insurance Adjuster, who makes this their life’s work, will work more competently and expeditiously on a claim. A Public Adjuster’s training and experience enables him or her to prepare and file the necessary estimates and forms expertly and oversee the process in order to gain the greatest advantage for you, the policyholder.
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Won’t my Insurance Agent or Broker act as an Adjuster on my behalf?
Your Insurance Agent or Broker’s responsibility is to sell you an insurance policy with the proper coverage and to provide service to you regarding your policy. It is not their job to handle your insurance claim. Also, an Insurance Agent or Broker may not have the expertise or the experience necessary to give the same highly specialized service that a Public Adjuster offers you.
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Do I need to hire a Public Adjuster to obtain what is rightfully due to me?
A Public Adjuster looks out for your best interest. Insurance companies are prepared to pay you what is due as they see it. The insurance company’s adjuster is not supposed to be prejudiced and is usually fair to the policyholder. However, their first duty is to the insurance company he or she represents. A Public Adjuster’s first duty is to you and as your exclusive representative. A Public Adjuster uses their experience and knowledge to bring about the most favorable settlement to you.
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How much do Public Adjusters charge for their services?
A Public Insurance Adjuster charges a percentage of what they obtain for you from the insurance settlement. Additionally, no up-front fees are ever paid to a Public Adjuster. A Public Adjuster only collects a fee if you receive payment for your claim.
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