South Florida Public Adjusters
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Commercial Loss: Pizza Hut
Original Offer from Insurance Company: $0
FLPA Received this amount for us: $800,000+

Condominium: Applewood Village
Original Offer from Insurance Company: $402,000
FLPA Received this amount for us: an additional $1,364,287

Residential: Ms. Luire
Original Offer from Insurance Company: $3,385.65
FLPA Received this amount for us: $40,217.13

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Public Adjuster FAQ

For your convenience, we've compiled a list of Frequently Asked Questions. This section is often updated, so check back frequently.

What is a property claim?

A property claim is any damage that occurs to your home or business, and is covered under your insurance policy. For example: Hurricane damage, Fire or Smoke damage, Broken or Blocked plumbing lines, Burglary or Theft, Mold, Sinkholes, etc. Typically, when damage occurs to a home or business, the homeowner or business owner would call their insurance company (much like car owners do when they get into an accident). The Insurance Company will create a claim and dispatch an adjuster to the home or business.

What is an "Adjuster"?

An "Adjuster" is the person that determines the amount of money you should receive for your property damage. There are three types of adjusters.

  1. Company Adjuster or Staff Adjuster: This adjuster works directly for the Insurance Company (like a State Farm adjuster).
  2. Independent Adjuster: This adjuster usually works for several Insurance Companies. During catastrophes, like Hurricanes, insurance companies usually do not have enough of their own personnel (staff adjusters) to handle all the work, so they use 'Independent Adjusters' to help out (almost like hiring sub contractors). In either case, both of these insurance adjusters represent the insurance companies that pay them, and they ALWAYS look after the insurance company's best interests.
  3. Public Adjuster: There is a third adjuster, but this one works for the public, not for the insurance company. This Adjuster is referred to as a "Public Adjuster," sometimes referred to as "Private Adjusters". The Public Adjuster will file your claim, work directly with your Insurance Company's adjuster, and ultimately see to it that you get every penny you are entitled to receive for your damages. Although there is a fee associated with hiring a Public Adjuster, you usually get much more than the insurance company would offer, plus you won't have the hassle of dealing with the claim process. For their services, Public Adjusters receive a percentage of the money they collect on your behalf, and this percentage may vary slightly with different companies.
Why hire a Public Adjuster, my Insurance adjuster will give me what I need, right?

Our experience tells us this is unlikely. Insurance Company adjusters work for, report to, and are paid by, the insurance company. Insurance companies are businesses, and they too look after their bottom line. We find that often times they opt to repair items, when replacement is needed. And, during Hurricanes, their out of state adjusters are unfamiliar with Florida codes and Florida Statutes. A average policyholder working alone with an insurance adjuster is like an average person trying a court case without a lawyer who knows every law. Policyholders need equal representation.

If I hire Florida Loss, and I have to pay a percentage of my recovery, I will then be short money, right?

This is the biggest misconception. Since our recovery is usually 200%-300% more than what you can get on your own, it basically makes our service free. We handle the claim and get you more money, which more than absorbs our fee. Let's give you a real example: A local Condo interviewed us because they wanted us to handle their insurance claim (a fire). They then decided that our fee would take away from their recovery, so they decided to do it themselves. They struggled for many months (almost a year) and recovered under $500,000. Since they felt they were shortchanged after going it alone, they hired us (at a higher percentage) to fight for the rest of the money. Within months we collected an additional $1million dollars for the condo client. In short, had they hired us from the beginning, we would have collected the entire amount (roughly $1.5 million), in less time, for a smaller percentage, and they would not have had the headache of handling their own claim for almost one year.

Is it too late to place a claim? I thought my damage was minor, now the repair costs are exceeding my deductible.

It is never too late to place a claim, as long as it is within the last 5 years. Old claims are difficult to re-open and should be left to the professionals at Florida Loss Public Adjusters, Inc.

Will I have to pay for your services if you are unable to collect money for me?

We work off a percentage of your recovery. Therefore, if there is no recovery, there is no fee. We only collect a fee if we are able to get you insurance company to write you a check for your damages.

My claim was denied, am I entitled to a second opinion?

Yes! We have many clients that were told their claim was denied. We simply re-open the loss, negotiate with your insurance company, and insist they pay you (if you have a valid claim).

At what point, in the claims process, should I hire Florida Loss Public Adjusters, Inc.?

We strongly recommend that you call before you call your claim into your insurance company or agent. Doing so ensures that you'll get the professional help you need immediately. However, you can enlist our services at any time (before you place your claim, during your claim negotiations, and even after your claim has been closed). Basically, it's never too late.

Why do I need a Public Adjuster, I can just have a contractor assist me with my claim, right?

The Answer is: NO, please read http://www.myfloridacfo.com/Agents/DBPR_Contractor_Warning.htm

Why hire us?

Experience, Experience, Experience. We believe in our company, but realize consumers are skeptical (as they should be). We invite you to call on our testimonials and ask real clients how they feel about Florida Loss Public Adjusters, inc. We're sure you'll be impressed!

Florida Loss Public Adjusters, Inc. © 2005-2014 FL License E109802
Mailing: 9000 Sheridan Street, Suite 16, Pembroke Pines, FL 33024; Address: 1881 NW 84th Avenue, Pembroke Pines, FL 33024