 When property damage happens, whether from a hurricane, plumbing leak, fire, or roof issue, the insurance claim process can feel overwhelming. That’s exactly when hiring a public insurance adjuster can make all the difference.
A public adjuster works for you, not the insurance company, to make sure your claim is handled fairly and you get the full settlement you deserve. But not all adjusters are created equal. Choosing the right one can directly impact how smoothly your claim goes, and the amount you recover. Here’s what to look for when choosing a public adjuster in Florida: 1. Verify They Are Licensed And Legitimate In Florida, all public adjusters must be licensed by the Florida Department of Financial Services (DFS). Always verify their license number before signing a contract. A legitimate adjuster will gladly provide you with proof of licensing and explain your rights as a policyholder. If someone avoids your question or pressures you to sign paperwork right away, that’s a big red flag. ✅ Pro Tip: It's important that they belong to a professional trade association like Florida Association of Public Insurance Adjusters (FAPIA). You can verify a public adjuster’s license directly on the FAPIA website. 2. Look For Experience With Your Type Of Claim Experience matters. Every claim is different whether you have hurricane damage, a fire loss, or water damage, all require different documentation and negotiation strategies. Choose a public adjuster who specializes in your type of property damage and who has successfully handled claims like yours. Ask how long they have been in business and how many claims they have settled in South Florida. 3. Local Knowledge Makes A Big Difference Hiring a local public adjuster in Boca Raton, Delray Beach, or Wellington isn’t just convenient, it’s strategic. Local adjusters understand the area’s building codes, weather patterns, and how insurance companies handle insurance claims in Palm Beach County. They know the unique challenges Florida property owners face from hurricane force winds to plumbing leaks, and can make sure nothing is overlooked on your claim. 4. Check Reviews And References A public adjuster’s reputation tells you everything you need to know. Read online reviews, check Google and social media, and ask for references from past clients. A trustworthy adjuster will have positive feedback and real success stories to share. Don’t be afraid to ask for examples of recent claims they have handled — transparency is key. 5. Communication Is Important Strong communication is one of the best signs you’re working with a professional. Your public adjuster should be responsive, explain things clearly, and keep you updated every step of the way. If you are having difficulty contacting them or they rush through your questions, that’s not a good sign. You want someone to represent you who treats your claim with importance. 6. Understand The Fee Structure Most Florida public adjusters work on a contingency fee, meaning they only get paid when you do. The fee is a percentage of your insurance settlement, and Florida law caps how much a public adjuster can charge. Make sure their fee agreement is in writing and clearly explained as per the requirements of DFS. 7. Honesty, Integrity & Professionalism Is Key The right public adjuster will never make unrealistic promises or pressure you to file a claim you don’t need to file. They will review your insurance policy, be honest about your coverage, and if you have a covered claim, advocate for what you are truly owed for your damage. Integrity is the foundation of this business, and a public adjuster should always put your best interest before their own. A good public adjuster will always conduct themselves in a professional manner, especially when communicating with the insurance company. 8. A True Advocate For You When you hire a public adjuster, you are hiring someone to level the playing field between you and the insurance company. The insurance company has someone to represent them, and you should have someone to represent you. A good adjuster will:
That’s what you deserve — someone who works for you, not against you. Final Thoughts Choosing the right public insurance adjuster can make a world of difference after a loss. Take your time, ask questions, and choose someone with honesty, integrity and experience. If your home or business in Boca Raton, Delray Beach, or Wellington has suffered damage, don’t navigate the claim process alone. A trusted Florida public adjuster can help you get the settlement you deserve, so you can focus on rebuilding, not battling with your insurance company. If you have a new, underpaid or delayed insurance claim, we are here to help. Please contact us here or call (561) 288-6434.
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