How to Find the Right Public Adjuster

Have you or someone you know recently suffered property damage? Are you planning on dealing with the insurance company on your own? Read on to find the best public adjuster near your area.

Most people assume that the insurance company will give them the best settlement, but that is far from the truth. Many insurers unfortunately, tend to underpay or even deny legitimate property damage claims.

If you were recently affected by a disaster that damaged your property and want the best settlement possible, you will want to continue reading below. This brief article will go over what public adjusters are and where to hire one today, whether you’re looking for Miami public adjusters or the best public adjuster in Florida.

What Is a Public Adjuster?

A public adjuster is someone whom you can hire to handle your insurance claims. Whenever you go through a normal claims process through your insurer, they will assign you an adjuster at no cost.

While the adjuster from your insurance company works for the insurance company, a public adjuster works for you, the homeowner.  They have your best interests in mind, and fight to get the property owner the maximum payout from their insurance company.  Public adjusters work on a contingency fee basis, and only get paid if they are able get you money from your insurance company.  These fees are different depending on the state, however in Florida the maximum a public adjuster can charge is 20%, and goes down to 10% after a state of emergency has been declared.  

Why Hire a Public Claims Adjuster?

Hiring a public claims adjuster is always good because they know the policy language.

They also have experience handling insurance claims, and they use sophisticated software to perform their own evaluation of your property. It is ideal to hire a public claims adjuster because they can offer you a second opinion on what your insurance company is willing to offer. This is especially useful if you’re looking for Florida public adjusters who understand the complexities of the state’s insurance regulations.

How to Choose a Public Adjuster

When choosing a public adjuster, make sure to avoid any adjusters who pressure you into hiring them. Make sure that you also read your contract carefully before you sign anything.

A good public adjuster will be knowledgeable in public adjusting and should explain the entire process to you. They should also have the proper qualifications needed to do their job.

You can always check your adjuster’s record from your state’s insurance department. Getting recommendations from friends and family is also a great way to go before you settle on a public adjuster. If you’re in South Florida, searching for Miami public adjusters is a good starting point to find someone local and accessible.

Most public adjusters handle the entirety of the claims process for you, but if you want to have some involvement, make sure you let them know. It is vital to work with an adjuster who will communicate with you throughout the claims process.

Finding the Right Fit

It is always important to ask the company that you want to hire questions to make sure you feel comfortable hiring them. You can ask them what kind of claims they typically handle.

Some public adjusters have experience in auto accidents, home losses, commercial property damage, and more. Make sure you are hiring the best public adjuster for your specific needs, especially if you want the best public adjuster in Florida for high-stakes or complex claims.

How Much Are Public Adjusters?

In Florida, public adjusters cannot charge fees over 20%. If there is damage to your property resulting from a natural disaster during a state of emergency, they cannot collect more than 10%. Working with legitimate Florida public adjusters who follow state guidelines is crucial.  Inspecting the damage and providing an estimate are included in the fees when you hire a public adjuster.

Should I Hire a Lawyer?

It is definitely up to you to hire an attorney, but if you decide to hire your own public adjuster, you might not need to.

Your public adjuster is well-versed in assessing property damage, creating a cost estimate, and negotiating with insurance companies. If you hire a lawyer, your lawyer may hire a public adjuster anyway to investigate the claim.

Hiring a public adjuster in the first place can cut out the cost of the attorney. When you hire your own public adjuster, you can also usually cut the time that it would take to complete a claim with an attorney, which may sometimes get dragged out in the legal process.  In addition, attorneys generally charge more for their services than public adjusters.

When to Hire a Public Adjuster

The ideal time to reach out to a public adjuster is when you notice damage on your property.  They can guide and advise you on your damage, review your policy language, and recommend whether or not you should proceed with a claim.  However, even if you have already filed a claim it’s not too late to hire a public adjuster.  If you are unhappy with how your insurance company is handling your claim, or have received a low payment or even denial, that is also an ideal time to reach out to a public adjuster and get their expert professional help.  They are licensed by the state to represent you and fight your insurance company to procure the maximum payout.

Focus on Reconstruction

Going through a claim with your insurance company can be stressful, so it is best to hire a public adjuster to help alleviate that for you. They will handle the claim while you focus on reconstructing your life and concentrating on your day to day responsibilities. Your public adjuster will handle the correspondence and negotiating process so that you don’t have to.

Miami Public Adjusters

If you or someone you know recently underwent a disaster, you will want to speak with a specialist. Some public adjusters can be predatory, especially when you are at your most vulnerable state after going through a loss.

It is essential to partner with a trustworthy public adjuster who has your best interest in mind. Contact us for a free consultation if you are looking for the “best public adjuster near me” or need help from experienced Miami public adjusters.

We here at Platinum Public Adjusters will help you receive the maximum settlement possible for your claim. Give us a call at 833-44-CLAIM and connect you with the best public adjuster in Florida today for your unique needs!