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.

DO YOU NEED A PUBLIC ADJUSTER IN JACKSONVILLE FL? CALL FLORIDA’S BEST PUBLIC ADJUSTERS!

When your property experiences damage of any sort, you want to make sure you are getting the best insurance settlement from your insurance company. At Florida’s Best Public Adjusters, we can prepare your documents, speak with your insurance company and take the entire hassle away from you. Our Public Adjuster will assist you with new, denied or underpaid claims. We are here for you, not the insurance company.

Below are a few reasons why we are the best option for you if you need a public adjuster in Jacksonville FL.

Following damage to your property, our public adjusters can file your claim with your insurance company within 24 hours.

We will have an inspection scheduled with your insurance company to adjust and review the damage or loss.
We make sure this meeting is in accordance with your schedule. One of our adjusters will be by your side the entire time.
We prepare an estimate of damages to present to your insurance company along with any additional documentation.

In conclusion, if you are interested in using one of the best public adjusters in Jacksonville FL, don’t hesitate to contact us with a question or concern. We offer free inspection and representation immediately if you request it. We serve all of Florida, but our Jacksonville office can be reached at (904) 512-1326.

Local Reviews
for Jacksonville, FL

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

Mobile Tools for Contractors and Service Professionals

Super Friendly Service

Thomas - Jacksonville, FL
1058 days ago

Review of Florida’s Best Public Adjusters

FL Adjusters have great people working for them. Always friendly and on point. Would definitely recommend and use them again. You guys rock!

Overall Experience 5 / 5

Quality

Price

Convenience

Thank you!

Olivia - Jacksonville, FL
2090 days ago

Review of Florida’s Best Public Adjusters

Overall Experience 5 / 5

Quality

Price

Convenience

Thank!

Isa - Jacksonville, FL
2090 days ago

Review of Florida’s Best Public Adjusters

Overall Experience 5 / 5

Quality

Price

Convenience

Great!

Natalie - Jacksonville, FL
2093 days ago

Review of Florida’s Best Public Adjusters

Five stars across the board.

Overall Experience 5 / 5

Quality

Price

Convenience

Great Advice

David - Jacksonville, FL
2202 days ago

Review of Florida’s Best Public Adjusters

He was very knowledgeable, laid out all my options, and gave me great advice on The pros and cons of pursuing an insurance claim.

Overall Experience 5 / 5

Quality

Price

Convenience

86 days ago

Rich C.

Pipe Break//KIN Insurance

Near Beach Blvd, Jacksonville, FL 32250

596 days ago

Stephen L.

Near Biscayne Grove Ln, Jacksonville, FL 32218

1005 days ago

Howard K.

Pipe Break//UPC Insurance

Near Sam Hardwick Blvd, Jacksonville, FL 32246

1005 days ago

Howard K.

Shower Pan Leak// State Farm Insurance

Near Capistrano Dr S, Jacksonville, FL 32224

1006 days ago

Howard K.

Roof Damage// UPC Insurance

Near Lake Mandarin Cir E, Jacksonville, FL 32223

1006 days ago

Howard K.

Toilet overflow//State Farm insurance

Near Royalwood Dr, Jacksonville, FL 32256

1009 days ago

Howard K.

HVAC Leak// State Farm Insurance

Near Claude St, Jacksonville, FL 32204

1009 days ago

Howard K.

Shower Pan//UPC Insurance

Near Mandarin Rd, Jacksonville, FL 32223

1010 days ago

Howard K.

HVAC Leak// Florida Peninsula Insurance

Near Hawkins Cove Dr W, Jacksonville, FL 32246

1010 days ago

Howard K.

Mold// Assurant Insurance Co.

Near Rondeau Dr E, Jacksonville, FL 32217

1012 days ago

Howard K.

Hurricane Irma// American Integrity Insurance

Near Hidden Lake Dr E, Jacksonville, FL 32216

1013 days ago

Howard K.

Roof Damage// Security First Insurance

Near W Monroe St, Jacksonville, FL 32202

1013 days ago

Howard K.

Water Heater Burst// State Farm Insurance

Near Alton Ave, Jacksonville, FL 32211

1016 days ago

Howard K.

Mold// State Farm Insurance

Near Patsy Anne Dr, Jacksonville, FL 32207

1016 days ago

Howard K.

Roof Damage// ASI Insurance

Near Sterling Hill Dr, Jacksonville, FL 32225

1038 days ago

Howard K.

Roof damage/People's Trust Insurance

Near Hartsfield Forest Cir, Jacksonville, FL 32277

1038 days ago

Howard K.

Toilet leak/Liberty Mutual Insurance

Near Kernan Blvd S, Jacksonville, FL 32224

1047 days ago

Howard K.

Wind damage/Tower Hill Insurance

Near Blue Eagle Way E, Jacksonville, FL 32225

1052 days ago

Howard K.

Mold/Heritage Insurance

Near Edgewood Cir, Jacksonville, FL 32205

1054 days ago

Howard K.

Mold/Tower Hill Insurance

Near Mitford Rd, Jacksonville, FL 32210

1058 days ago

Julian L.

Near Marble Egret Dr, Jacksonville, FL 32257

1065 days ago

Howard K.

Slab leak/Federated National Insurance

Near Bluffton Dr W, Jacksonville, FL 32224

1068 days ago

Howard K.

Broken pipe/American Security Insurance

Near Pin Oak Trail, Jacksonville, FL 32225

1069 days ago

Howard K.

A/C leak/Florida Peninsula Insurance

Near Waverly Dock Rd, Jacksonville, FL 32223

1072 days ago

Howard K.

Water damage/Frontline Insurance

Near Village Grove Dr N, Jacksonville, FL 32257

1072 days ago

Howard K.

Hurricane Irma/Safe Harbor Insurance

Near Shallowater Rd, Jacksonville, FL 32258

1073 days ago

Howard K.

Wind damage/People's Trust Insurance

Near Prindle Dr E, Jacksonville, FL 32225

1075 days ago

Howard K.

Mold/ASI

Near Harts Rd, Jacksonville, FL 32218

1079 days ago

Howard K.

Toilet leak/southern Oaks Insurance

Near Anglers Cove Drive, Jacksonville, FL 32217

1079 days ago

Howard K.

Kitchen sink leak/ASI

Near Jacksonville, FL 32218

1082 days ago

Howard K.

Mold/Federated National Insurance

Near Appaloosa Dr, Jacksonville, FL 32257

1086 days ago

Howard K.

Kitchen sink leak/Ark Royal Insurance

Near Knottingby Dr, Jacksonville, FL 32257

1086 days ago

Howard K.

Collapsed object/Safe Point Insurance

Near Jacksonville, FL 32235

1089 days ago

Howard K.

Mold/Citizens Insurance

Near Port Harbor Ct, Jacksonville, FL 32224

1089 days ago

Howard K.

Kitchen sink leak/Southern Fidelity Insurance

Near Pitch Pine Ave, Jacksonville, FL 32259

1090 days ago

Howard K.

Ceiling leak/UPC

Near Ortega Farms Cir, Jacksonville, FL 32210

1094 days ago

Howard K.

Mold/Citizens Insurance

Near Bulow Creek Dr, Jacksonville, FL 32258

1094 days ago

Howard K.

A/C leak/Capital Preferred INC Company

Near Windsor Harbor Dr, Jacksonville, FL 32225

1095 days ago

Howard K.

Toilet leak/Ark Royal Insurance

Near Latimer Rd W, Jacksonville, FL 32257

1096 days ago

Howard K.

Wind damage/Tower Hill Insurance

Near Lake Marietta Dr S, Jacksonville, FL 32220

1096 days ago

Howard K.

Kitchen sink leak/Assurant Insurance

Near Norway Pine Pl, Jacksonville, FL 32225

1097 days ago

Howard K.

Flood/Universal Property and Casualty Insurance

Near Starpass Dr, Jacksonville, FL 32256

1097 days ago

Howard K.

Shower pan leak/Southern Fidelity Insurance

Near Arrowsmith Rd, Jacksonville, FL 32208

1100 days ago

Howard K.

Broken dishwasher/State Farm Insurance

Near Harbour N Ln, Jacksonville, FL 32225

1100 days ago

Howard K.

Wind damage/Heritage Insurance

Near Barony Dr, Jacksonville, FL 32225

1101 days ago

Howard K.

A/C leak/UPC

Near Pavilion Dr, Jacksonville, FL 32258

1101 days ago

Howard K.

Kitchen sink leak/Hartford Insurance Company

Near Marquis Dr, Jacksonville, FL 32210

1102 days ago

Howard K.

Ceiling leak/Safe Point Insurance

Near Baymeadows Rd, Jacksonville, FL 32256

1102 days ago

Howard K.

Pipe break/Liberty Mutual Insurance

Near Lantana Lakes Dr W, Jacksonville, FL 32246

1103 days ago

Howard K.

Wind damage/Hartford Insurance Company

Near Cleveland Rd, Jacksonville, FL 32209

0/5 (0 Reviews)

Jacksonville Public Adjuster Reviews

DO YOU NEED A PUBLIC ADJUSTER IN JACKSONVILLE FL? CALL FLORIDA’S BEST PUBLIC ADJUSTERS!

Below are a few reasons why we are the best option for you if you need a public adjuster in Jacksonville FL.

Local Reviews for Jacksonville, FL

Super Friendly Service

Thomas - Jacksonville, FL 1058 days ago

Thank you!

Olivia - Jacksonville, FL 2090 days ago

Thank!

Isa - Jacksonville, FL 2090 days ago

Great!

Natalie - Jacksonville, FL 2093 days ago

Great Advice

David - Jacksonville, FL 2202 days ago

Rich C.

Stephen L.

Howard K.

Howard K.

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Howard K.

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Julian L.

Howard K.

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Local Reviews
for Jacksonville, FL

Thomas - Jacksonville, FL
1058 days ago

Olivia - Jacksonville, FL
2090 days ago

Isa - Jacksonville, FL
2090 days ago

Natalie - Jacksonville, FL
2093 days ago

David - Jacksonville, FL
2202 days ago