Public Adjusters level the playing field by having the knowledge and expertise to understand exactly what your insurance policy covers and ensuring the insurance carrier is not able to get out of paying what they owe. Insurance companies are in business to have a strong profit; by paying as little on a claim or denying a claim ensures their outcome for a strong profit. A Public Adjuster is an insurance claims adjuster who is an advocate for the policyholder in appraising and negotiating an insurance claim. Public Adjusters are licensed by the State of Florida, Department of Financial Services (http://www.myfloridacfo.com/) and are the only claims adjuster who can lawfully represent the insured through the insurance claims process.

Contact Gulf Coast Public Adjusters before you contact your insurance company in the unfortunate event your home or business suffers any type of damage. We will manage your claim for you through the entire insurance claims process. Many policyholders put off hiring a Public Adjuster until they become discouraged and exhausted dealing with the insurance companies. Actually, many people have never even heard of Public Adjusters.

Although, Public Adjusters receive compensation in the form of a percentage of your claim; hiring a Public Adjuster is significantly more advantages than having no Public Adjuster at all. Public Adjusters provide personalized expert assistance in preparing and adjusting your claim, delivering an accurate analysis of your circumstance and policyholder rights as early in the process as possible.

The principal reason a Public Adjuster is engaged is to assist the policyholder to fully recoup from their insurance company, for all covered damages incurred in the event of a loss. Public Adjusters examine all areas to demonstrate the complete effect of the loss-producing event.

Trained, licensed, and expert Public Adjusters will classically be more comprehensive in their damage assessment than their insurance company counterparts or the inexperienced policyholder on his or her own. Public Adjusters deliver a personalized service with that concept in mind, and because the Public Adjuster does not receive any fees until you, the policyholder, receives your claim settlement.

Public Adjusters share parallel interests with the policyholder in attaining the most accurate thorough claim payment feasible, in an accelerated approach for the policyholders.

If you think that it's expensive to hire a professional to do the job, then wait until you hire an amateur. Red Adair.

Government statistics demonstrated that “policyholders who utilized the services of a Public Adjuster received an estimated $9379.00 on their claim compared to $1391.00 for those policyholders that did not use a Public Adjuster, a difference of 574%” (Office of Program Analysis and Government Accountability).

Licensed: Principally, the Public Adjuster must be licensed. Make sure the Public Adjuster’s license and appointments are current with their state; as well as ensure they are really a licensed Public Adjuster. There exist individuals and businesses who represent themselves as Public Adjusters or claim to offer similar services, when, in reality they are not qualified or licensed to collaborate with you or the insurance company. Click https://licenseesearch.fldfs.com/ to check the State of Florida’s official database as well as to learn some telltale signs of illegal and unlicensed practice.

Professionalism:
Public Adjusters come from a wide range of backgrounds. When selecting a Public Adjuster, inquire about their experience and education. Do not be afraid to ask for references. Make sure the Public Adjuster you are considering is the right match for you and your claim. The Public Adjuster should be thoroughly familiar with insurance laws, as well as construction.

Experience:
Ensure the Public Adjuster contract for services is complete with an understandable explanation of their fee structure. Do not sign blank contracts. The Public Adjuster will encourage and counsel you to mitigate any damage.

Comfort:
Comfort is a subjective component of hiring your private Public Adjuster. Your “Private” Adjuster will be helping you to get the money you deserve to rebuild your property after your loss. Seek a Public Adjuster who you feel is ethical. The Public Adjuster will visit the location site of where the damaged has occurred to accurately scope any destruction.

Caution:
Beware of remediation companies (especially those requiring you to sign a work authorization or power of attorney or assignment of benefits). A respectable Public Adjuster will not suggest his or her relative or friend to complete the repairs. The Public Adjuster’s obligation is to assist and represent you with your insurance claim. He or she will represent you through all stages of your claim.

Insurance Staff Adjuster or Desk Adjuster: Is an employee of the insurance company, who is paid directly by the insurance company, and promoted based upon how much money they can save the insurance company.

Independent Adjuster: Is an independent contractor who works for the insurance industry and represents the insurance company’s interest, not the insured! The independent adjuster is paid directly by the insurance company and is contracted based upon their reputation for saving the insurance industry money.

Public Adjuster: Is basically a Private Adjuster hired by the policyholder on a contingency basis, who fights for the policyholder’s rights and interests. The Public Adjuster advocates on policyholder’s behalf to make the policyholder whole again.

So many Public Adjusters are located on the east coast of Florida in the tri county area (such as Palm Beach, Broward, and Miami Dade counties); but Gulf Coast Public Adjusters are located (here) in southwest Florida. We have years of the big city experience, having practiced in Palm Beach, Broward, and Dade counties, as well as the greater Boston, Massachusetts area. We relocated to beautiful southwest Florida and the Gulf Coast to help policyholders who want local representation. We concentrate on handling claims on the Gulf Coast of Florida from north of Tampa and south through Marco Island.

Gulf Coast Public Adjusters
Protecting the Policyholder
Get the money you deserve for your insurance claim