How to Find a Reputable Public Adjuster

Whether you're a homeowner, business owner, or boat owner, dealing with insurance claims can be daunting. Amid the paperwork, negotiations, and complex language, it can be easy to feel lost and overwhelmed. Enter the public adjuster. We are professionals who navigate the intricate insurance claim process on your behalf, aiming to maximize your claim payout. But with new regulations in Florida affecting how public adjusters can operate, it's crucial to know how to find a reputable public adjuster.

As public adjusters, we are experts in interpreting insurance policies, assessing property damage, and negotiating with insurance companies. As of July 1, 2023, new regulations under House Bill 1185 have been introduced in Florida to protect consumers and more tightly define how public adjusters operate.

So, how do you find a reputable public adjuster who complies with these regulations? Here are the steps you need to follow:

1. Confirm their Licensing

As per the new law, public adjusters must display their license at their place of business or carry it with them when conducting business. It is important to verify that the public adjuster is licensed by the Florida Department of Financial Services.

2. Review their Contract

A reputable public adjuster will present you with a contract that clearly outlines their fee structure, services, and your rights as an insured party. Under the new law, contracts must contain specific disclosures, including your right to cancel the contract under certain conditions, definitions of different types of adjusters, and an acknowledgment that the public adjuster is not an insurance company representative. Contracts must also include the adjuster's contact information. Always review this contract thoroughly and ensure that all pages are signed or initialed by you.

3. Transparency on Fees

A reliable public adjuster will be transparent about their fees. According to House Bill 1185, a public adjuster cannot charge more than 1% of the insurance claim payments or settlements in certain circumstances. They also cannot collect a fee on payments made to an insured party without a written contract.

4. Check their Track Record

Inquire about their previous experience and success in settling claims similar to yours. An experienced adjuster will be able to provide references from satisfied clients.

5. Communication is Key

The public adjuster should be responsive and accessible, communicating with you about every step of your claim's progress. They should provide written estimates promptly (within 60 days as per the new law) and keep you informed throughout the claim process.

6. Ethical Practices

A reputable public adjuster should not represent anyone other than the named insured in a claim unless agreed upon by all parties involved. Their contract should also state that you, as the insured party, have the right to communicate directly with your attorney, insurer, or any person involved in your claim's settlement.

Harrell Adjusting Services: Public Insurance Adjusters You Can Trust

A good public adjuster can be a vital asset for homeowners, business owners, and boat owners alike. They will help you understand your policy, assess the damage to your property, compile comprehensive claim documentation, and negotiate with your insurance company to ensure you get the maximum payout you're entitled to.

However, it's worth noting that you are not required to hire a public adjuster. It is an option to help ease the claim process and ensure you're adequately compensated for your loss, but it's your decision to make.

Remember, our team here at Harrell Adjusting Services is always ready to help you navigate these complexities. Our professional adjusters are committed to complying with all laws and regulations, ensuring that your claim process is smooth and efficient. We understand the importance of getting back to normal, and we're here to support you every step of the way.

Needing some guidance with your claim?

At Harrell Adjusting Services, we can help!

(863-845-0759)