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Learn about the difference between public adjusters and an insurance company, and how they differ. If you do not know about homeowners insurance you better know an company, and how they differ. If you do not know about homeowners insurance you better know an insurance company agent who does. Your agent must understand what your policy covers, and does not cover, and also know which companies play the “post loss” underwriting game. Post-loss underwriting has been used by Universal Property and Casualty for the last few years in which, after a claim, they run your credit and check your original application for minor issues.
Insurance adjuster who works for the insurance company, a public adjuster works for you!
Minor issues will include if you have a dog and if you ever had a lien, judgment, or bankruptcy. Also, if they catch you “lying” on the application, they will deny your claim, return your premium since you started with them, and leave you twisting in the wind trying to find another insurance company to write your policy after having been labeled an insurance cheat.
This is where a public adjuster can make a difference. Unlike an insurance adjuster who works for the insurance company, a public adjuster works for you—the policyholder. They analyze your claim, ensure all damage is properly documented, and fight to maximize your payout. This is especially crucial when dealing with companies like Citizens Insurance, where policyholders often find themselves underpaid or denied.
The Florida Department of Financial Services recently fined Universal Property and Casualty nearly a million and a half dollars for this unscrupulous business practice.
Recent Updates
Last week, our team was up in Jacksonville working on reopening storm claims from June, August, and October of 2012. We found many insureds were denied or that were inadequately paid for the wind damage to their roofs. Our new clients were surprised to find that one may report or re-open a claim where the loss occurred less than three years ago. We reopened claims from companies such as State Farm, Allstate, Castle Key, Florida Peninsula, Security First, Capital Preferred, St. Johns, United Property and Casualty, Citizens, and Homeowner’s Choice.
Public adjuster vs Citizens Insurance Adjuster
Citizens Insurance adjusters, like other company adjusters, work to minimize payouts. Many homeowners assume their insurance adjuster is on their side, but in reality, they are protecting the company’s financial interests. A public adjuster ensures you are treated fairly and that your claim is not undervalued or denied without cause. If you have a claim with Citizens Insurance, consulting a public adjuster could mean the difference between a minimal payout and receiving full compensation for your loss.
What is the difference between a public adjuster and an insurance adjuster?
Insurance companies pay independent adjusters to handle claims on their behalf, whereas ‘public adjusters’ work completely for the policyholder. Many of the intricate provisions and processes involved with a typical insurance property claim are handled by ‘Public Adjusters.’
If your claim has been denied or underpaid by Citizens Insurance or any other insurer, a public adjuster can step in, review your policy, and negotiate the settlement you deserve. Insurance companies rely on policyholders accepting their first offer—don’t settle for less when a public adjuster can help fight for the full compensation owed to you. Wether you are looking for a public adjuster in Orlando or a public adjuster in Fort Lauderdale we can help anywhere in Florida!
What to do when your Citizens Insurance Claim is Denied
Citizens Insurance denied a claim because they saw no visible damage. Florida Best Public Adjusters found holes under the carpet and helped our client get $8000 from Citizens to repair the water damage. Learn More about this Citizens Denied Insurance Claim by reading our case study.

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