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Types of Insurance Adjusters

Public Adjuster - the only Adjuster licensed by the State of Florida to represent you, the Public. The only Adjuster who's sole responsibility is to represent you and your interests.

Company Adjuster - works directly for the Insurance Company to represent them in dealing with your loss and damages. Their main responsibility is to protect the interests of the Insurance Companies.

Independent Adjuster - hired by the Insurance Company to represent them in dealing with your loss and damages. Their main responsibility is to protect the interests of the Insurance Companies.

Why should you hire a Public Adjuster ?

- It is up to you to prove your loss, not the Insurance Company. The typical insurance policy contains numerous provisions and stipulations. It also contains various forms and endorsements that are constantly changing and most insureds have difficulty understanding them. There are certain policy conditions that must be satisfied, failure to do so could reduce your settlement amount of even cause your claim to be denied. - A Public Adjuster has the experience, knowledge and expertise to obtain your maximum entitlements under your policy. Just because the Insurance Company's adjuster makes a statement does not mean that it is fact or true. It is not uncommon for the Insurance Company to misinterpret their own insurance policy or forget to apply case law or Florida Statutes that supersedes their policy. Frankly, letting the Insurance Company's adjuster determine what you are entitled to is comparable to getting a divorce and letting your spouse's Attorney dictate your entitlements.