FAQ
(Frequently Asked Questions)
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WHAT
IS A PUBLIC ADJUSTER?
The
Florida State Legislature is responsible for licensing and
regulating Public Adjusters to provide assistance to insureds
who have suffered losses. The policyholders retain the services
of a licensed Public Adjuster to protect their financial
interests in the settlement of their insurance claim.
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WHAT
SERVICES DOES THE PUBLIC ADJUSTER PROVIDE?
Using
specialists in all areas of restoration, construction and
engineering, the Public Adjuster prepares and presents to
the insurance carrier a detailed evaluation of the policyholder's
total loss. The claim will be based on the cost to repair
or replace the home or business as it existed prior to the
loss. Knowing how to prepare a claim is the key to successful
negotiation.
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WHY
IS A PUBLIC ADJUSTER NECESSARY?
The
insurance companies retain adjusters who protect their interests.
They are well trained to adjust the claim by offering the
policyholder a settlement based on the lowest bid submitted
by contractors or their own evaluation. The Public Adjuster
works on the policy holder's behalf to represent their best
interests and get a fair settlement from the insurance company.
The policyholder has the right to choose his own contractor
and not be limited to the lowest bid.
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HOW
IS THE PUBLIC ADJUSTER COMPENSATED?
The
Public Adjuster's fees are paid by the policyholder. The
fee is generally based on a percentage of the monies recovered
from the insurance company. The Public Adjuster's expertise
in dealing with the insurance company will clearly justify
his fees.
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