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Frequently Asked Questions

The People’s Choice Public Adjuster proudly serves home and business owners in Palm Beach, Broward and Miami-Dade Counties on the east coast as well as in Hillsborough and Pinellas Counties on the west coast.  We also serve Orange County and any other county throughout the state. Our state licensed staff has decades of experience and is ready to help you navigate the complicated insurance claim process no matter where you’re located in Florida.

What is a Public Adjuster?

First, some definitions:

  • Company Adjuster – Works directly for the insurance company in dealing with your insurance claim. A company adjuster’s main responsibility is to protect the insurance company’s interests.
  • Independent Adjuster – Hired by the insurance company to represent it in dealing with your claim. Their main responsibility is to protect the insurance company’s interests.
  • Public Adjuster – Retained by the insured to represent you and your interests. Public adjusters are licensed by the state of Florida. Our main responsibility is to secure the insurance settlement you deserves according to your insurance policy.

Why Hire a Public Adjuster?

When it comes to an insurance claim, it’s up to you to prove your loss to your insurance carrier.

Other than an attorney, a licensed Public Insurance Adjuster is the only individual licensed by the state to represent you. Public Adjusters do the work regarding your claim.

At The People’s Choice Public Adjuster, we have the experience, knowledge and expertise to obtain the maximum entitlements under your policy. Our team of specially trained professionals understands insurance policies, endorsements and forms, as well as your rights as the insured. Our focus is you; our job is to represent you to the insurance company.

Consider this: If you become involved in a legal matter, would you represent yourself or would you hire an attorney? It’s no different with an insurance claim. Remember: the insurance company’s adjustor works for the insurance company.
A public adjuster works for you.

Why Do I Need a Public Adjuster to Obtain What’s Rightfully Mine?

The typical insurance policy contains numerous provisions and stipulations, as well as various forms and endorsements that are constantly changing. Endorsements are documents added to your policy to either exclude or supplement certain policy coverage which was not included when you bought the policy.

It’s important to familiarize yourself with these forms. However, unless you work in the insurance business on a regular basis, these documents can be difficult to understand.

Most people just don’t have the expertise to properly understand and interpret the technical language contained in their policy. Nor do they understand the complicated procedures that must be followed to comply with the policy’s terms. The insurance company’s adjusters are trained professionals who represent the insurance company’s interest. You can protect yourself by retaining a Public Adjuster whose sole responsibility is to serve you.

In addition, when you file a claim with your insurance carrier, there are certain policy conditions that must be satisfied. Failure to do so can reduce your settlement amount or even cause your claim to be denied.

Just because the insurance company’s adjuster makes a statement or the insurance company makes a decision concerning your loss, it doesn’t necessarily mean it is fact. It’s not uncommon for the carrier to misinterpret its own policy or forget to apply Florida statutes case law that may supersede their policy.

That’s where a Public Adjuster can help.

Are Public Adjusters Trained Specialists?

Yes. Public adjusters are required to be tested, licensed, bonded and authorized to practice their profession in the State of Florida. They are licensed by the Department of Financial Services just like the adjusters who represent the insurance company.

How Do Public Adjusters Charge for Their Services?

At The People’s Choice Public Adjuster, we don’t get paid unless you do. Our fee is based upon a percentage of the insurance company’s settlement to you (after your deductible). There are no upfront fees for our services and if you don’t get paid, neither do we.

Is There a Minimum Value Needed to File a Claim?

No. We help anyone who needs our services so there is no such thing as a claim that’s too big or too small. Simply give us a call, and we will review your claim with you and explain exactly how we can help.

My Claim Was Denied. Can You Help Me?

Yes. Many of the people we’ve helped the most had their claim denied by their insurance company. We reopen the claim and negotiate with the insurance company to obtain payment for the covered damage.

My Claim Was Closed By the Insurance Company, Is It Too Late to Hire a Public Adjuster?

Not usually, because Florida law allows five years from the original date of loss to file a supplemental. If you believe you were underpaid and would like us to give you a second opinion, please call us. We will carefully review your claim and present all of your options. If you feel a previous claim was underpaid, we’ll help you re-open it and work to secure a fair, generally larger, settlement.

How Is a Claim Prepared?

Public adjusters utilize a team of appraisers, engineers, mold examiners and other subject matter experts as needed to prepare a comprehensive picture of your claim to the insurance company. The Public Adjuster will also keep meticulous records in order to help maximize your settlement.

Will My Insurance Company Cancel Me for Making a Claim?

No. It is against the law in the State of Florida to terminate insurance coverage or discriminate against you in any way for exercising your right to file a claim for a covered loss.

How Long Do I Have to Report a Claim?

Each insurance company has specific guidelines in their policy declarations that govern the reporting of claims, but as a general rule in the State of Florida most claims can be filed for up to five (5) years from the date of loss.

Will Hiring a Public Adjuster Get Me a Larger Settlement?

Statistics show that you will almost always receive a higher settlement from the insurance company by hiring a Public Adjuster, than by going it alone.

  • Policy holders who hired public adjusters (PA) for non-catastrophe claims received 574% more money than those who did not hire a PA.
  • Policyholders who hired public adjusters for hurricane claims received 747% more money.

(Florida Legislature’s Office of Program Policy Analysis & Government Accountability -OPPAGA)

How Long Will It Take to Settle My Claim?

All insurance companies in the State of Florida must pay or deny claims within 90 days.

I Was Already Paid on a Claim. Can You Still Get Me More Money?

Yes. We can reopen your claim and have it re-evaluated to secure an equitable settlement.

Call The People’s Choice Public Adjuster
To ensure you get the settlement you deserve,
NOT what the insurance company thinks you need!
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