Should I prepare my own insurance claim?
Sure, but it stands to reason that the Licensed Public Adjuster who has years of experience and training can do so with more thorough job than the policyholder. FICS Public adjusters will handle all the necessary details for compiling and filing claims, as required by the terms of your insurance policies. We will also negotiate, on your behalf, with insurance company representatives and handle all matters essential to a proper and satisfactory adjustment.

Why do I need help in filing an insurance claim?
The typical insurance policy contains hundreds of provisions and stipulations that are constantly changing and many complex details about your requirements in case of a loss. Most people do not know or understand these policy provisions - and most do not realize that the burden of proof is on them, the policyholder. Most insurance company adjusters actually prefer to work with an experienced Licensed Public Insurance Adjuster vs. an inexperienced insured. Florida Insurance Claims Specialist not only has your confidence, but also that of company adjusters who recognize that they are dealing with a professional.

What is a Public Adjuster?
Public Adjusters are professionals who are employed exclusively by policyholder who has sustained an insured loss. They handle every detail of the claim, working closely with the insured to provide the most equitable and prompt settlement possible. A Public Adjuster inspects the loss site immediately, analyzes the damages, assembles claim support data, reviews the insured's coverage, determines current replacement costs and exclusively serves the client, not the insurance company. Different types of adjusters include insurance adjusters, independent adjusters, and public adjusters. Both the insurance and independent adjuster work for the insurance company, while the public adjuster works only for the property owner, which means you.

What kinds of claims can a Public Adjuster help with?
A sampling of the types of residential or business losses a Public Adjuster can assist with is Flood, Collapse, Fire, Explosion, Hurricane, wind damage, Smoke damage, Vandalism and Theft.
Physical damage loss can trigger numerous additional losses for businesses, among the numerous insurance forms a Public Adjuster will assist with is:

• Business Income

• Builders' Risk

• Mechanical and Electrical Breakdown Extra

• Expense and Expediting Expense

• Leasehold Interest.

Why should I hire a public adjuster, the insurance company has provided an adjuster?
The adjusters sent by them are employed and paid by the insurance company. It is advantageous for the their adjusters to work on behalf of the insurance companies. They offer to pay in most cases what is in their favor not yours. Florida Insurance Claims Specialist is your private and personal adjuster working exclusively for you. With our experience and knowledge we are better able to obtain a more favorable adjustment.

I called my insurance agent - isn't that enough?
No - an insurance agent is a salesperson usually trained in sales not in adjusting claims.

What will the public adjuster do for me?
Florida Insurance Claims Specialist will help to assist you with every phase of preparing and presenting your claim, as well as accomplishing an adjustment for you, which is equitable and includes everything to which you are entitled under your insurance policy.

I've suffered a loss - what do I do now?
Promptly report the loss to the insurance company or even easier call Florida Insurance Claims Specialist and we will report the claim right away after you retain our services.

How is the actual loss determined?
We do an itemized estimate of all the damage in your property as well as a physical inventory of your personal property to make sure all provisions in your policy are properly fulfilled. This often involves numerous steps of which you may know little or nothing, but can make a significant difference in the amount of the final adjustment.

I don't think I can afford your services and fees - what does it cost to start the process?
To start it’s a free inspection. We work on a contingency fee basis, which means NO RECOVERY NO FEE - we only get paid when we are able to perform. There is no risk to you or your finances. The only risk you have is not to file your claim with us and get a lesser settlement.

My insurance company already sent out an adjuster and wrote me a settlement check - does this mean it's too late to go back and hire a public adjuster?
Absolutely not! In the State of Florida you have anywhere from one to five years to have your claim reopened. We offer a free consultation without any obligation to see if you were paid fairly on your loss.

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