The public adjuster is an independent insurance professional that a policyholder can hire to help resolve an insurance claim on their behalf. Unlike the insurance adjuster sent by the insurance company, the public adjuster works for you, the policyholder, and is paid by you. Their job is to make sure that the payment of your claim accurately reflects the cost of repairs or replacements and to help you understand your coverage, manage a complex claim, and keep your claim going. A public adjuster can point out money in the claims to which you are entitled and that you didn't even know about.
As an independent insurance professional, they work for the policyholder to ensure that their claim is resolved fairly and efficiently. They can help you with the claims process and ensure that your payment is fair and accurately reflects the damages and your coverage. However, they cannot provide you with more money than you are entitled to under your insurance policy. In the case of a minor claim, a public adjuster may be able to find text in your insurance contract that could result in thousands of additional dollars for your claim.
In addition, important changes have been made to the Florida Statutes that regulate the business of public adjusters in the past two years. Good public adjusters often rely on word-of-mouth recommendations for new businesses, so if you know a good public adjuster, tell a friend. Hiring a public adjuster can be beneficial in helping you get the most out of your insurance claim.
