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Public Adjusters Florida FAQ Page

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We realize that dealing with a casualty loss in your home or business is extremely stressful. We adjust claims for our customers daily. It is all we do. We do not own handyman, construction, plumbing, electrical, mold remediation or water extraction companies of any kind. Our only business is Public Adjusting and working on your behalf.

We have put together a list of Frequently Asked Questions (FAQ) and answers that have helped guide thousands of our clients.

How Florida's Best Public Adjusters Help You in the Wake of Property Damage

Frequently Asked Questions

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 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 who specialize in plaintiff representation against insurance companies.

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

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.

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 60 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.

By law, insurance carriers are required to make a claim determination within 90 days.

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.

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

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.

The Governor led Florida Legislature has reduced the amount of time from five years to 12 months on a new claim.  They have also reduced the amount of time to supplement an existing claim to 18 months from the date of reported loss assuming you made a claim in the first 12 months.  We recommend you ask us if you have a valid, financially worthy claim before you open a claim with the insurance company.

If you feel a previous claim was underpaid, we will aid you in re-opening it and work diligently to get you a fairer, often bigger settlement. You have 18 months from the date of the loss to re-open or supplement a claim.

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.

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.
 

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.

ALWAYS ON YOUR SIDE

Florida's Best Public Adjusters

At our firm, we’re aligned with your objectives – securing the highest possible financial restitution for the damage sustained by your property or enterprise. Our team of Public Adjusters is dedicated to optimizing your insurance claim’s value.

Notably, we hold the top spot in Google Search rankings as the leading Public Adjuster. What sets us apart is our unwavering commitment to serving your best interests, as we work exclusively for you, not the insurance provider. Our mission is clear: to assist you in fully maximizing your insurance claim.

Stephen Lippy

CEO & Founder of Florida’s Best Public Adjusters

Aaron Skloff
Aaron Skloff
October 30, 2023
Stephen was very knowledgeable and sincerely took an interest.
D H
D H
July 28, 2022
Florida’s Best Public Adjusters ARE the best. Our adjuster came to the house a few times to scope out the damage from a water leak and he spent quite a bit of time measuring the affected areas. The resulting claim amount was amazing. If we had handled the insurance company ourselves we would have come up way short. We highly recommend and trust Florida’s Best. Thanks Julian!
Erika Clancy
Erika Clancy
May 1, 2022
Stephen Lippy was great to work with! Very informative and communicative throughout the process. We were not familiar with the public adjusting process but Steve and his team helped walk us through everything and explained things very thoroughly.
Ken Fraidin
Ken Fraidin
April 8, 2022
Julian & Florida's Best Public Adjusters were extremely helpful in getting winning my claim. They were easy to work with, very responsive & made the process very easy. I recommend them highly.
Miriam B. R.
Miriam B. R.
May 6, 2021
Stephen Lippy is a professional and experience PA. Stephen is knowledgeable and reliable. He provided personal attention and was always available to answer all questions. Excellent services!
Nekisha Hyman
Nekisha Hyman
May 5, 2021
Receive a referral from a friend for this company. I was very pleased with the way they handled my claim and were able to resolve my issues without too much hassle from the insurance company. Their follow through is amazing. The follow up after things are resolved is exceptional.
scott solomon
scott solomon
May 4, 2021
The professional service we received made our insurance claim easy.
Ryan Steele
Ryan Steele
March 17, 2021
Stephen got my denial reversed….had all to do with his reputation, and not the “luck of the Irish” on this St. Patrick's day! Him and his team are very professional, responsive and caring during the entire ordeal. If they are not on your team, you have chosen poorly.
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