How Do I Get Started?

Call Florida’s Best Public Adjusters at 800-952-7693

Appraisal is the method preferred by most Public Adjusters. If our respective financial positions are too far apart then we may notify the insurance company that we wish to move the issues into the appraisal process. In the appraisal process, both sides agree on a neutral Umpire who will make a financial determination of our claim and that Umpire’s decision is final. Before meeting with the Umpire the insurance company will appoint an appraiser/expert to represent them. We act as your appraiser/expert. Usually both appraisers/experts meet at the loss to review both estimates to look for compromise. If in the event that there is too much difference to compromise then the estimates and support documentation are sent directly to the Umpire. The Umpire will make a final decision in a week to ten days. Remember that the Umpire’s decision is final.

Mediation is set forth in the State of Florida Insurance Statutes. Mediation is the step between your receiving some compensation for your claim and your filing a lawsuit for additional compensation. A mediator (attorney) is appointed by the state within 30 days following the request by the insured. The mediator meets with the all of the parties named in the insurance policy, your Public Adjuster and a representative from your insurance company. The mediator is trained to move both sides to agree on an amount thus avoiding lawsuits that could result in jury trials that could clog up the courts. Mediation meetings generally take less than an hour. Mediation is not binding unless all parties agree. Sometimes the mediation works and we settle and sometimes it does not. If we have an impasse, the insured has the remedy of filing a lawsuit. The chance of not settling any case is less than one in one hundred. Insurance companies avoid going to trial at all costs because of bad faith damages that can be awarded against them. Suing an insurance company is not initially expensive on the part of the insured, however, it can be stressful and can take a while to complete. We have several attorneys that we have worked with for a long time that specialize in plaintiff representation against insurance companies.

What are my rights in the event that the insurance company does not pay what we feel is enough money to settle my claim?

Depending on your contract, you either have mediation rights or appraisal rights.

When does my Public Adjuster stop trying to get me more money for my claim?

It is the duty of a Public Adjuster to get you money to 'indemnify' you for your loss. That is, to have enough resources, after your deductible has been met, to put your insured property back to the way it was before the loss. You are not entitled to make a profit.

How long will my claim really take?

The first check (which we refer to as the undisputed amount, the amount you would end up with if you did not use our firm) from your insurance company will arrive at about 90 days. After that, depending on the course of action permitted in your contract, it may take another three to six months to complete the adjusting and settling of your claim.

How long will the insurance company take to pay my claim?

By law, all companies, except for Citizens, are required to pay or deny claims within 90 days.

Will they raise my rates or cancel me if I make multiple non-storm related insurance claims?

No, it is against the Florida insurance statute to cancel you during your policy. Research shows that the average increase in Florida after you put in a claim is approximately 2%. This can be researched as it is discussed greatly on the internet in multiple forums.

How Do Public Adjusters Charge For Their Services?

We do not get paid unless you do. Our fee is based upon a percentage of the insurance company’s settlement to you. There are no upfront fees for our services and if you do not get paid, then we don’t get paid. It is in our best interest to look out for our clients’ interest.

Are Public Adjusters Trained Specialists?

The answer is yes. A Public Adjuster is tested, licensed, bonded, has completed continuing education and is authorized to practice the Public Adjusting profession in the State of Florida. We are licensed by the Department of Financial Services just as independent adjusters who represent your insurance company.

How long do I have to report a loss?

In Florida, in most cases you have three years to report a claim from the date that the loss occurred. Each insurance company has provisions in their contracts regarding late reporting of claims that may make the filing of a claim that happened six plus months ago more difficult but never impossible.

Why Do I Need a Public Insurance Adjuster to obtain what is rightfully due to me?

Standard insurance policies/contracts contain numerous provisions and stipulations, as well as various forms and endorsements that are always being revised and updated. Endorsements are documents added to your policy/contract to either exclude or supplement certain policy coverages which were not included when you purchased the original policy. It is essential to familiarize yourself with your policy/contract forms. However, we understand that unless you work in the insurance business and have a great deal of experience with insurance policies and claims, then these complicated documents can be very difficult to understand. Most people just do not have the expertise to properly understand and interpret the technical language contained in their policy, nor do they understand the complex procedures that must be followed to comply with the policy/contract’s terms. The insurance company’s adjusters are trained professionals representing the insurance company’s interests. Policyholders have the option to protect their own interests by retaining a public adjuster, whose responsibility is to serve the insured.In addition, when you file a claim with your insurance company, there are certain policy conditions that must be satisfied. Failure to do so can reduce your settlement amount or even cause your claim to be denied. Your Public Adjuster will advise you on what to do to satisfy those policy conditions. Just because the insurance company’s adjuster makes an oral statement, or the insurance company makes a decision concerning your loss, it does not necessarily mean it is fact. It is not uncommon for the insurance company to misinterpret its own policy or forget to apply Florida statutes and case law that may supersede their policy.That is where a public adjuster makes a big difference.

Why Should You Hire a Public Adjuster?

When it comes to insurance claims, you are responsible for proving your loss to your insurance company. Aside from attorneys, a licensed public insurance adjuster is the only entity licensed by the state to represent you, the insured. As a Public Adjuster, we handle all of the work regarding your claim. We have the experience, knowledge and expertise to obtain the maximum entitlements under your policy. Our team of specially trained professionals understands insurance policies, endorsements and forms, in addition to your rights as the insured. Our focus is on you. Our job is to represent you to the insurance company. Think of it this way: If you were involved in a legal matter, you wouldn’t choose to represent yourself. Instead, you would hire an attorney to represent you. The scenario isn’t all too different when it comes to insurance claims. It is important to remember the adjuster hired by the insurance company works to protect their interests while a Public Adjuster works ONLY for you.

Can you tell me the role of a Public Adjuster?

Public Adjuster – A Public Adjuster is a licensed professional retained by the insured (you) to represent you and your interests. Public adjusters are licensed by the State of Florida. Our main responsibility is to secure the insurance settlement that the home, condominium or business owner deserve according to their insurance policy/contract.Company Adjuster – A Company Adjuster is employed as a member of an insurance company’s staff. A company adjuster’s primarily goal is to protect the insurance company’s interests. In essence, a Company Adjuster’s allegiance is to the insurance company, not you.Independent Adjuster – Independent Adjusters are hired by insurance carriers to represent their interests in dealing with your claim (as opposed to yours). An Independent Adjuster’s allegiance is to the insurance company, not you.

Cape Coral Public Adjuster | Insurance Claims

Public Adjuster Cape Coral

Hurricanes, tropical storms, and afternoon showers can all cause major damages all around Cape Coral. At Florida’s Best Public Adjusters, we understand that repairing these damages can seem like a challenge. If you’re looking to repair storm-related damages, you need a public adjuster in Cape Coral that you can trust. Our professionals at Florida’s Best Public Adjusters are here to help! Whether you’re facing tornado damage, hurricane damage, or storm damage, you need the help of our public adjusters.

How can Florida’s Best Public Adjusters help me?

If you’ve never worked with a public adjuster in Cape Coral, you may not be sure how a licensed public adjuster can help. At Florida’s Best Public Adjusters, we’re professionals with a deep understanding of the insurance claims process for a variety of damages. In addition to helping address storm damage, we can work with other claims such as:

Fire & Smoke Damage
Dropped & Fallen Objects
Roofing Damage
Slab Leaks
AC Leaks
Broken Pipes
Vandalism
& More

If your home has been damaged, it’s time to call a reliable public adjuster in Cape Coral. Our team at Florida’s Best Public Adjusters brings expertise in the public adjusting processes. We know how to work with your insurer on your behalf, and we’ll fight for your maximum claim settlement.

Most home insurance companies aim to pay as little as they can for home damage claims. This may mean that your claim is severely underpaid or even denied altogether. When this happens, it can be tough to get the quality repairs your home needs. Don’t let this happen with your claims! Our team at Florida’s Best Public Adjusters can help. We’ll work on your behalf to get your top dollar insurance check.

Why Choose Florida’s Best Public Adjusters?

At Florida’s Best Public Adjusters, we make it affordable to hire a licensed public adjuster in Cape Coral. In fact, it can be totally free! That’s because we have no upfront charges for our services. Better yet, we don’t get paid unless you get paid. We’re here to help you settle your home damages for top dollar. Don’t let your insurer underpay your claim. We are here to help. Call us now to schedule your fast and free consultation.

Local Reviews
for Cape Coral, FL

Florida’s Best Public Adjusters Rated 5.0 out of 5 stars based on 4 customer reviews

Mobile Tools for Contractors and Service Professionals

A knight in shining armor

Marie Kav - Cape Coral, FL
814 days ago

Review of Florida’s Best Public Adjusters

Stephen Lippy is honest, ethical and extremely competent. I contacted him after my insurance carrier made me an offer that wasn’t close to what was needed to fix my home. Trying to fight insurance companies on your own is an exercise in futility. Stephen took over and all my stress evaporated He kept me informed at every step and got us a settlement we NEVER would have gotten on our own He is worth every penny—and then some. One thing is s given. If I ever have to file s claim, I’ll contact Stephen before the insurance company.

Overall Experience 5 / 5

Quality

Price

Convenience

Excellent, Professional service.

Mr Phil - Cape Coral, FL
964 days ago

Review of Florida’s Best Public Adjusters

Overall Experience 5 / 5

Quality

Price

Convenience

Job well done

Larry - Cape Coral, FL
1109 days ago

Review of Florida’s Best Public Adjusters

My whole experience was a hard one... fighting with insurance company.. but Florida best/ bulldog adjusters made the experience a lot better... they did a great job. They were always there if needed. Even the fact that I live on the west coast of Florida they never let me down and fought for my wife and me... I would highly recommend them if you need help. Thanks Julian, Steven, Rea, Daniel

Overall Experience 5 / 5

Quality

Price

Convenience

awesome service

Christine - Cape Coral, FL
2208 days ago

Review of Florida’s Best Public Adjusters

My claim was handled by Steve lippy he was excellent in handling everything

Overall Experience 5 / 5

Quality

Price

Convenience

11 days ago

Julian L.

Pipe Break//United Property and Casualty Insurance Company

Near SE Van Loon Terrace, Cape Coral, FL 33990

60 days ago

Julian L.

Roof Leak//St. Johns Insurance

Near NE 9th Terrace, Cape Coral, FL 33909

86 days ago

Julian L.

Roof Damage//St. Johns Insurance

Near NW 23rd Terrace, Cape Coral, FL 33993

87 days ago

Julian L.

Roof Leak//Progressive

Near SW 23rd Pl, Cape Coral, FL 33914

141 days ago

Julian L.

Pipe Break//Universal Property and Casualty Insurance

Near SE 30th Terrace, Cape Coral, FL 33904

284 days ago

Julian L.

Pipe Break//Universal Property Insurance

Near SW 57th St, Cape Coral, FL 33914

309 days ago

Julian L.

Pipe Break//State Farm Insurance

Near SW 57th St, Cape Coral, FL 33914

339 days ago

Julian L.

Roof Leak//People's Trust

Near Dandolo Cir, Cape Coral, FL 33909

360 days ago

Julian L.

Pipe Break//Peninsula Insurance

Near SW 18th Terrace, Cape Coral, FL 33991

477 days ago

Stephen L.

Roof Leak//State Farm Insurance

Near SE 16th Pl, Cape Coral, FL 33904

478 days ago

Julian L.

Pipe Break//Universal Insurance

Near NE 9th Ave, Cape Coral, FL 33909

506 days ago

Julian L.

Pipe break // State Farm Insurance

Near SW 23rd Terrace, Cape Coral, FL 33991

506 days ago

Julian L.

Tropical Storm Eta // UPC Insurance

Near SE 9th Pl, Cape Coral, FL 33904

513 days ago

Julian L.

Near SW 22nd Ave, Cape Coral, FL 33991

523 days ago

Julian L.

Pipe burst // State Farm Insurance

Near Cancun Ct, Cape Coral, FL 33909

523 days ago

Julian L.

Tropical Storm Eta // UPC Insurance

Near NE 15th Ave, Cape Coral, FL 33909

568 days ago

Julian L.

Near SE 26th Terrace, Cape Coral, FL 33904

595 days ago

Julian L.

Pipe break // State Farm Insurance

Near NW 20th Pl, Cape Coral, FL 33993

595 days ago

Julian L.

Roof Leak // Tower Hill Insurance

Near Delmonte Ct, Cape Coral, FL 33904

597 days ago

Julian L.

Shower Pan Leak // American Integrity Insurance

Near SE 30th Terrace, Cape Coral, FL 33904

597 days ago

Julian L.

Pipe break // FedNat Insurance

Near Santa Barbara Blvd, Cape Coral, FL 33914

600 days ago

Julian L.

Mold // Tower Hill Insurance

Near Cape Coral Pkwy W, Cape Coral, FL 33904

600 days ago

Julian L.

Roof Leak // FedNat Insurance

Near SW 31st St, Cape Coral, FL 33914

642 days ago

Julian L.

Roof Leak // UPC Insurance

Near NW 12th Pl, Cape Coral, FL 33993

681 days ago

Julian L.

HVAC Leak // AIG Insurance

Near NW 31st St, Cape Coral, FL 33993

681 days ago

Julian L.

Roof Leak // Tower Hill Insurance

Near SW 19th Pl, Cape Coral, FL 33914

702 days ago

Julian L.

Near SW 12th Pl, Cape Coral, FL 33914

702 days ago

Julian L.

Near NW 6th Pl, Cape Coral, FL 33993

736 days ago

Julian L.

Near NW 12th Pl, Cape Coral, FL 33993

753 days ago

Julian L.

Water Heater Burst // FedNat Insurance

Near SW 19th Pl, Cape Coral, FL 33914

753 days ago

Julian L.

Roof Leak // UPC Insurance

Near SE 18th St, Cape Coral, FL 33990

768 days ago

Julian L.

Pipe burst // American Integrity Insurance

Near NE 34th St, Cape Coral, FL 33909

768 days ago

Julian L.

Hurricane Roof Damage // UPC Insurance

Near NE 5th Pl, Cape Coral, FL 33909

806 days ago

Julian L.

Pipe break // UPC Insurance

Near NW 26th Ave, Cape Coral, FL 33993

806 days ago

Julian L.

Hurricane Damage // Fednat Insurance

Near NE 7th Ave, Cape Coral, FL 33909

809 days ago

Julian L.

Mold // Universal Property & Casualty Ins

Near SW 3rd Ave, Cape Coral, FL 33914

809 days ago

Julian L.

Roof Damage // Fednat Insurance

Near NE 6th Pl, Cape Coral, FL 33909

814 days ago

Stephen L.

Near SW 56th Terrace, Cape Coral, FL 33914

815 days ago

Sacha D.

Mold // Frontline Insurance

Near NE Juanita Ct, Cape Coral, FL 33909

815 days ago

Sacha D.

Hurricane Damage // Florida Peninsula Insurance

Near Malaita Ct, Cape Coral, FL 33991

824 days ago

Julian L.

Smoke // American Integrity Insurance

Near NW 38th Pl, Cape Coral, FL 33993

824 days ago

Julian L.

Roof Leak // State Farm Insurance

Near Palm Tree Blvd, Cape Coral, FL 33904

834 days ago

Julian L.

Mold // Fednat Insurance

Near NE 17th Ave, Cape Coral, FL 33909

834 days ago

Julian L.

Fridge Line Leak // American Integrity Insurance

Near SW 12th Pl, Cape Coral, FL 33914

841 days ago

Julian L.

Roof Leak // Citizens Insurance

Near Piccadilly Cir, Cape Coral, FL 33991

841 days ago

Julian L.

Washing machine leak // UPC Insurance

Near NW 13th St, Cape Coral, FL 33993

848 days ago

Julian L.

Smoke // St. Johns Insurance

Near Cape Heather Cir, Cape Coral, FL 33991

848 days ago

Julian L.

Roof Damage // State Farm Insurance

Near Amber Lake Dr, Cape Coral, FL 33909

858 days ago

Julian L.

Shower pan leak // Fednat Insurance

Near NE 11th Ave, Cape Coral, FL 33909

858 days ago

Julian L.

Roof Leak // UPC Insurance

Near NW 19th Pl, Cape Coral, FL 33993

0/5 (0 Reviews)

Cape Coral Public Adjuster Reviews

Public Adjuster Cape Coral

How can Florida’s Best Public Adjusters help me?

Why Choose Florida’s Best Public Adjusters?

Local Reviews for Cape Coral, FL

A knight in shining armor

Marie Kav - Cape Coral, FL 814 days ago

Excellent, Professional service.

Mr Phil - Cape Coral, FL 964 days ago

Job well done

Larry - Cape Coral, FL 1109 days ago

awesome service

Christine - Cape Coral, FL 2208 days ago

Julian L.

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Sacha D.

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Julian L.

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Local Reviews
for Cape Coral, FL

Marie Kav - Cape Coral, FL
814 days ago

Mr Phil - Cape Coral, FL
964 days ago

Larry - Cape Coral, FL
1109 days ago

Christine - Cape Coral, FL
2208 days ago