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Frequently Asked Questions

  • What is a Public Adjuster?

    A Public Adjuster is a licensed professional who works exclusively for the policyholder and NEVER the insurance company as your private adjuster. A Public Adjuster is an advocate who represents the policyholder throughout the entire claims process through the ultimate settlement payment. The Public Adjuster prepares and presents the claim package to the insurance company for the policyholder. The Public Adjuster is educated and tested in insurance law with emphasis on the insurance claims parameters, as well as the intricacies of how the claims process works. In addition, the Public Adjuster is expert in negotiations along with the knowledge of insurance companies’ tactics attempting to shut down or curtail claims payments. A Public Adjuster, is, by law, the only individual who is able to represent policyholders for a property damage claim. A Public Adjuster must meet rigorous educational, background, and ethical principles required by the state. Public Adjusters are licensed, bonded, and insured. A Public Adjuster executes an array of essential tasks, including scoping and inspecting the location or property where the damages occurred, ensuring steps are carried out to further protect your property, reviewing your insurance policy, estimating and evaluating the cost to clean up and fully recover from your damages, presenting the claim package to the insurance company, negotiate with your insurance company to settle your claim for the highest dollar amount you are entitled.

  • Why Should I Retain a Public Adjuster? Doesn’t My Insurance Company Provide an Adjuster?

    The insurance companies have their own adjusters, often called “Desk Adjusters” or “Field Adjusters” or “Independent Adjusters.” However, they work for the insurance company, not for you! Insurance companies also engage the services of independent “field” adjusters who get paid by and work for the insurance companies, NOT the policyholder. The desk adjuster and the independent field adjusters work at the direction of the insurance company to save the insurance company and their shareholders as much money as possible by denying or truncating your claims payments. Since the insurance company retains the services of a professional adjuster, then why shouldn’t you secure the services of your own professional to represent you?

  • How Does a Public Adjuster Get Paid? 

    Public Adjusters have a fiduciary responsibility to the policyholder and work exclusively for the best interest of the policyholder (and not the insurance company). For this reason, Gulf Coast Public Adjusters work on a contingency basis and we only get paid if you get paid. Our fees for services are mostly a small percentage of the insurance settlement. Gulf Coast Public Adjuster’s previous clients have received such substantial successes with their settlements that their fee becomes inconsequential. Gulf Coast Public Adjusters charge twenty percent (20%) of what the policyholder gets paid (above the deductible). However, if the Florida State Governor declares a state emergency, Gulf Coast Public Adjusters charge ten percent (10%) of what the policyholder gets paid (above the deductible). No recovery, no fee.

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

  • When Should I Call a Public Adjuster?

    You should call Gulf Coast Public Adjusters at (855) 742-3587 immediately once you have suffered damage to your home or business. It is imperative that you include our Public Adjusters at the beginning of your claim to set the atmosphere for your entire claim and settlement process. Insurance companies are required to set reserves for each claim. Insurance companies send out field adjusters as quickly as possible to conduct a very cursory analysis of your damages with the intention to stifle your claim, settle quickly, save dollars, and move on to the next claim. Thus, saving claim disbursement funds and limiting reserves in order to invest the excess funds for profit. The insurance companies will not reveal to you the dollar amount of reserves for your claim. Once the field adjuster sets your claim reserves, it will be more difficult to persuade them to move off their set reserve for your claim. It is important for the insurance to know a Public Adjuster is involved from the start, so they have a realistic anticipation and understand the claims dollar expectations. Gulf Coast Public Adjusters will put your insurance company on notice and set the climate for your claim right from the start.

  • Will My Insurance Rates Go Up if I Hire a Public Adjuster?

    The insurance companies have an extensive database detailing every claim in every area, including even when a policyholder call contemplating a claim. The database known as Insurance Services Office (ISO) or includes several risk factors from the geographical risks (hurricanes, earthquakes, crime, etc.) to a policyholder's credit (bad credit, the more likelihood of filing a claim). The insurance companies (yours as well) are aware of weather events, crimes, dated not to code or faulty plumbing in your community and all the claims in your area (amounts paid, damages incurred, etc.) due to any particular set of circumstances (it is a shared database, risk management). For instance, if a tornado passed through your neighborhood, whether you put in a claim or not, the insurance company knows that most likely your roof will leak in the future due to a particular storm in your area and you may end up putting in a claim for ensuing damages for ceiling leaks, window leaks, and if you are on time (no delay in reporting) a roof leak and a new roof. So, upon renewal your rate will go up anyway. Your insurance company may not renew your policy and another insurance company will know the same facts and the premium rate will take such into consideration or they will tell you to get a new roof (and that will be out of your own pocket). Thus, if you have a legitimate claim, you have been paying your premiums, then you should report the claim. Do not let the insurance company blackmail you into not placing a legitimate claim. Gulf Coast Public Adjusters will provide FREE consultation regarding any potential claim.

    Insurance companies are like casinos: They take into account the Risk and the Gamble; Casino (aka insurance company)...the house always wins.

  • Why Shouldn’t I Handle My Insurance Claim Myself?

    Insurance policies are deliberately long and ambiguous, creating confusing contract reading, ultimately leaving interpretation in the insurance companies’ favor. Policyholders do not have the luxury and time to read and understand their policies. An insurance policy or contract can be as long as eighty (80) pages. An insurance policy is a legal document. Public Adjusters are trained in property insurance laws and policies. Policyholders’ failing to distinguish coverage may result in the inability to convince a proficient insurance adjuster of your coverages and will most certainly compromise your claim. Public Adjusters are intricately familiar with the entire insurance claims web. Your Public Adjuster knows dates and deadlines, required documents to prove your claim, have readily available access to experts to assist in the claims process, know what is going on behind the scenes by the insurance company and their experts, and are familiar with individuals in the insurance claims environment. Gulf Coast Expert Public Adjusters will handle your entire claims process through settlement.

  • Should I Hire an Attorney Instead of a Public Adjuster?

    A Public Adjuster is educated and trained in evaluating your damages, providing cost for mitigation and damages, the claims process, and negotiations. Attorneys often hire the services of a Public Adjuster to conduct the investigation of your claim. The costs will be passed onto you, the policyholder who will end up paying for the services of both the attorney and a Public Adjuster. In addition, hiring an attorney may increase the time it takes to settle your claim. Engaging an attorney pre-litigation will cost you more. The hiring of an attorney should be your last resort only after all other protocols have been met and you have standing to file a lawsuit against your insurance company.

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