Learn about the difference between public adjusters and an insurance 8569763207_a49a0341ac-300x212company, 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. 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.

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.

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.’

 

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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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