THE INSURANCE CLAIMS PROCESS
Call us at (855) 742-3587
A representative from our office will speak to you regarding you damages. Our Public
Adjusters will ask you several questions regarding the type of and origin (cause) of
your damages. We will need your name, address where the incident occurred, your
mailing address (if different from the loss address), your telephone number(s),
email address, insurance policy information, mortgage, or lien information, claim
number (if you already called in your claim), date of loss, any funds promised or
received. Gulf Coast Public Adjuster will ask what may seem like a lot of questions;
but if you think we ask a lot, just wait until your insurance carrier speaks to you.
We will ask you to upload and send us any pictures or documents related to your
Once we review your claim to determine if it is viable, we will prepare a Public
Adjuster service agreement (contract) for your review and signature(s) of all
persons named on the policy. After we have received the fully executed contract,
we will send our Gulf Coast Public Adjuster Letter of Representation (LOR) along
with the executed contract to your insurance company. This LOR and contract will
serve as notification; as well as set the climate to your insurance company and
commence the process or path to your getting the money you deserve for your
Currently due to COVID-19 protocols, we may require a fully executed Public
Adjuster service agreement (contract) prior to visiting the damaged property.
For this reason, we may be requiring photographs of the damaged property.
Once our contract for services and the LOR is submitted, the process may take on
vastly different avenues from this point. No two claims are the same. No two
insurance companies are the same. Other policyholders, such as your neighbors,
friends or relatives may explain to you the process they experienced; and there
may be in fact similarities; but remember each claim is different. Gulf Coast
Public Adjusters are experts in the insurance claims maze.
Your insurance carrier may contact you or Gulf Coast Public Adjusters after
receiving our LOR. If your insurance carrier contacts you, kindly advise them
Gulf Coast Public Adjusters is representing you and provide them with our
contact information. The insurance carrier is likely reaching out to set a site
visit to be attended by both the field adjuster and Gulf Coast Public
Gulf Coast Public Adjusters will scope your damages (either prior to meeting the
field adjuster or at the time we meet with the field adjuster), and we will
prepare a detailed estimate of the cost for you to fully recover from your loss.
Our estimators are experienced general contractors. Our estimators do not
perform any repairs. Gulf Coast Public Adjusters do not conduct any repairs and
do not subcontract any vendors. Such practices are a conflict of interest. Our
job and objective are to get you the funds from your insurance company so that
you have the freedom and enough money to hire whomever you want to complete your
repairs. Yes, you may even perform your own repairs, but Gulf Coast Public
Adjusters will ensure you obtain enough funds to hire a fully licensed
professional to fully recover from your damages.
Depending on your specific policy, we may submit a Proof of Loss (POL) to your
insurance company. The POL must be signed by all insureds before a notary. Gulf
Coast Public Adjusters will then submit the POL package to your insurance
carrier demanding payment.
Once a POL or estimate package has been submitted to your insurance company this
should commence the negotiating process. The insurance company may create
obstacles to deny or limit your payment. Your insurance company may require you
to submit to recorded statements or examinations under oath (EUO), additional
documents, etc. Gulf Coast Public Adjusters will assist in each step.
The insurance company may present an offer. If the offer is not acceptable to
you, the policyholder and there is a stark difference between the two sides; you
or your insurance company may demand mediation or appraisal.
Gulf Coast Public Adjusters will assist in the mediation process as part of our
services. The State of Florida bears the cost of mediation. Each party will have
a seat at the “table” to negotiate a settlement counseled by the mediator. The
insurance company normally has ten (10) to twenty (20) days to make payment If a
settlement is agreed upon.
However, should either party demand appraisal, you (the insured) will have to
hire an outside Appraiser (and the insurance company will also have to hire
their own outside Appraiser). Gulf Coast Public Adjusters can recommend an
Appraiser to act on your behalf. Appraisers currently charge about $350.00 per
hour, not to exceed ten percent (10%) of the funds they are able to secure for
you, the policyholder. Fees must still be paid to the Public Adjuster. The
Appraisers will name an Umpire. The cost for the Umpire is shared by each party.
During the appraisal process, the Appraisers will present their case to the
Umpire and when two (2) out of three (3) agree on the scope and price, that
amount is considered the final settlement amount.
Gulf Coast Public Adjusters are expert in negotiating and representing YOU, the
policyholder, to FULLY recover from Your damages and GET THE $$$$$$ YOU DESERVE
FOR YOUR INSURANCE CLAIM!!!