Founded in a state known for its history of hurricanes, floods and other natural disasters. Floridian Public Adjusters is equipped with experienced professionals carrying diverse backgrounds that range in expertise in business, architecture, customer relations, marketing, and insurance adjusting. Combining various aspects from many disciplines gives Floridian Public Adjusters a competitive edge in excelling in the Public Insurance Adjusting practices. Our core principles are based on the needs of our clients. Years of experience in successfully adjusting claims for natural disasters such as major floods and hurricanes, allows our services to be comprehensive and tailored to the specific needs of the client.
A study conducted in 2010 by OPAGGA (Office of Program and Policy Analysis & Government Accountability) found that Florida property owners who hired a public adjuster, received insurance claim settlements that were 747% larger in “catastrophe losses ” and 574% larger for “non-catastrophe” losses, as opposed to not hiring a Public Adjuster.
Hiring a public adjuster ensures your claim reaches the maximum in benefits.
The initial engagement with our client is the most important stage of the claims process. It allows us to begin to lay the foundation of trust and integrity which we believe is essential in establishing confidence and further resolution for the client. Immediately after a property owner suffers loss, he or she is faced with critical decisions to be made in limited time. Because Floridian Public Adjusters has settled thousands of claims, we can foresee future issues and obstacles that will arise as the claim process evolves.
Reviewing your Policy
Reviewing the contract of the insurance policy is critical in the early stages. A comprehensive investigation of cause and origin of a loss is performed in order to understand the variables of each specific type of loss. Together with our experts and consultants, we begin to identify, research, examine, estimate, adjust and appraise the overall value of our client’s property loss.
Estimating your Damages
A claims package is prepared involving reports, proposals, estimates, photographs, inventories and other supporting documentation that is constructed to present to the client’s insurance company. The latest cost estimating software is used in the preparation of reports. A strategy can then be developed for presentation purposes.
Adjusting your Claim
Communication and negotiations with our client’s insurance company is a process that evolves as the claim development is underway. Issues of policy coverage, local, state & federal laws are addressed. Mitigation and reconstruction of building systems are presented and debated with the insurance company’s adjuster.
Maximizing your Settlement
Knowledge of a policyholder’s rights and duties under an insurance policy are imperative when navigating through the complexity of the insurance claim. Floridian Public Adjusters excels in the advocacy of the client. Maximum recovery and indemnity of the policyholder’s property loss is our goal. All avenues and means will be exhausted in making sure that the property owner gets a fair settlement that will return them to “Pre-Loss” conditions.