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.

THE BEST PUBLIC ADJUSTERS IN NAPLES FLORIDA

When you check out public adjuster reviews in Naples, FL, you’re looking for satisfied customers who have nothing but great things to say about their adjuster. When you trust Florida’s Best Public Adjuster, you’re placing your faith in experience, reliability and expertise. Therefore, there’s no better option for a denied insurance claim than the professionals at Florida’s Best Public Adjusters – Fort Myers! In conclusions, we can offer professional representation for your insurance claim needs to ensure you receive the fair settlement you deserve.

Below are a few reasons why we are the best option for you if you need a public adjuster in Nables 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 Naples, FL, don’t hesitate to contact us with a question or concern.

Local Reviews
for Naples, FL

Florida’s Best Public Adjusters Rated 5.0 out of 5 stars based on 1 customer reviews

Mobile Tools for Contractors and Service Professionals

Great personal service

Denise - Naples, FL
828 days ago

Review of Florida’s Best Public Adjusters

Overall Experience 5 / 5

Quality

Price

Convenience

68 days ago

Julian L.

Roof Leak // USAA Insurance

Near Martin St, Naples, FL 34113

75 days ago

Julian L.

Tropical Storm Eta // Tower Hill Insurance

Near 24th Ave SE, Naples, FL 34117

75 days ago

Julian L.

Roof Leak // Universal Property & Casualty Ins

Near Jack Frost Ct, Naples, FL 34112

138 days ago

Julian L.

Water Damage // Tower Hill Insurance

Near 48th Terrace SW, Naples, FL 34116

138 days ago

Julian L.

Hurricane Irma roof damage // USAA Insurance

Near Gulf Shore Blvd N, Naples, FL 34103

142 days ago

Julian L.

Pipe burst // Citizens Property insurance

Near Sholtz St, Naples, FL 34113

142 days ago

Julian L.

Pipe break // State Farm Insurance

Near Santa Barbara Blvd, Naples, FL 34116

144 days ago

Julian L.

Shower Pan Leak // Universal Property & Casualty Insurance

Near Goldfinch Way, Naples, FL 34105

144 days ago

Julian L.

Hurricane Irma roof damage // Citizens Property Insurance

Near Gordon Dr, Naples, FL 34102

144 days ago

Julian L.

Roof Leak // Fednat Insurance

Near Hardee St, Naples, FL 34113

144 days ago

Julian L.

Hurricane Irma roof damage // Universal Property & Casualty Insurance

Near Rookery Bay Dr, Naples, FL 34114

157 days ago

Julian L.

Smoke damage // Universal Property & Casualty Insurance

Near Aviano Dr, Naples, FL 34105

157 days ago

Julian L.

Roof Leak // Tower Hill Insurance

Near Fenhurst Way, Naples, FL 34120

158 days ago

Julian L.

Water damage // FedNat Insurance

Near Palm River Blvd, Naples, FL 34110

158 days ago

Julian L.

Toilet Overflow // Security First Insurance

Near River Point Dr, Naples, FL 34102

160 days ago

Julian L.

Dishwasher Leak // Citizens Insurance

Near Ocean Bluff Ct, Naples, FL 34120

160 days ago

Julian L.

Pipe burst // Lloyd of London Insurance

Near Vanderbilt Beach Rd, Naples, FL 34108

165 days ago

Julian L.

Pipe leak // Southern Fidelity Insurance

Near Gormican Ln, Naples, FL 34110

165 days ago

Julian L.

Roof Leak // Security First Insurance

Near Grand Rapids Blvd, Naples, FL 34120

169 days ago

Julian L.

Roof Leak // UPC Insurance

Near Holland St, Naples, FL 34113

171 days ago

Julian L.

Leak under kitchen sink // Southern Fidelity Insurance

Near Rosemary Ct, Naples, FL 34103

171 days ago

Julian L.

Pipe break // American Integrity Insurance

Near Murex Dr, Naples, FL 34102

178 days ago

Julian L.

Smoke damage // AIG Insurance

Near 39th Ave NE, Naples, FL 34120

178 days ago

Julian L.

Roof Leak // Edison Insurance

Near Creekside Blvd, Naples, FL 34108

180 days ago

Julian L.

Water Damage // Fednat Insurance

Near River Reach Dr, Naples, FL 34104

180 days ago

Julian L.

Roof Leak // UPC Insurance

Near Gulf Shore Blvd N, Naples, FL 34103

181 days ago

Julian L.

Hurricane Irma roof // Tower Hill Insurance

Near Copper Lake Point, Naples, FL 34114

181 days ago

Julian L.

Pipe break // Florida Peninsula Insurance

Near Holland St, Naples, FL 34113

186 days ago

Julian L.

Hurricane Irma roof claim // State Farm Insurance

Near Raffia Dr, Naples, FL 34119

186 days ago

Julian L.

Mold // FedNat Insurance

Near 6th Ave SE, Naples, FL 34117

188 days ago

Julian L.

Hurricane roof damage // State Farm Insurance

Near Violino Ln, Naples, FL 34105

188 days ago

Julian L.

Water Damage // UPC Insurance

Near Sterling Oaks Dr, Naples, FL 34110

191 days ago

Julian L.

Hurricane Irma roof damage // TowerHill Insurance

Near Hampshire Ct, Naples, FL 34112

191 days ago

Julian L.

Pipe burst // UPC Insurance

Near Pelican Bay Blvd, Naples, FL 34108

192 days ago

Julian L.

Smoke damage // FedNat Insurance

Near 10th Ave NE, Naples, FL 34120

192 days ago

Julian L.

Hurricane Irma roof damage // Edison Insurance

Near Wildwood Lakes Blvd, Naples, FL 34104

194 days ago

Julian L.

Shower Pan Leak // Florida Peninsula Insurance

Near Wildwood Ln, Naples, FL 34105

194 days ago

Julian L.

Hurricane Irma Roof Damage // Prepared Insurance

Near Snook Dr, Naples, FL 34102

198 days ago

Julian L.

Pipe break // UPC Insurance

Near Tropical Bay Ct, Naples, FL 34120

202 days ago

Julian L.

Slab Leak // FedNat Insurance

Near Naples Cove Dr, Naples, FL 34110

202 days ago

Julian L.

Hurricane Irma roof damage // Tower Hill Insurance

Near Cypress View Dr, Naples, FL 34113

208 days ago

Julian L.

Mold // State Farm Insurance

Near St Tropez Dr, Naples, FL 34112

208 days ago

Julian L.

Hurricane Irma damage // Universal Property & Casualty Insurance

Near 5th St S, Naples, FL 34102

209 days ago

Julian L.

Water damage // Towerhill Insurance

Near Livingston Woods Ln, Naples, FL 34109

219 days ago

Julian L.

Mold // State Farm Insurance

Near Sand Dollar Ln, Naples, FL 34103

219 days ago

Julian L.

Roof Leak // Florida Peninsula Insurance

Near Veterans Park Dr, Naples, FL 34109

223 days ago

Julian L.

Mold // American Traditions Insurance

Near Silver Lakes Blvd, Naples, FL 34114

223 days ago

Julian L.

Hurricane Irma roof damage // State Farm Insurance

Near Summerfield Dr, Naples, FL 34120

227 days ago

Julian L.

Toilet Overflow // Edison Insurance

Near Golden Gate Blvd W, Naples, FL 34120

227 days ago

Julian L.

Hail Roof Damage // Edison Insurance

Near Remington Way, Naples, FL 34110

229 days ago

Julian L.

Kitchen Disposer Leak // State Farm Insurance

Near Whitehall St, Naples, FL 34109

229 days ago

Julian L.

Water Damage // UPC Insurance

Near Wiggins Bay Dr, Naples, FL 34110

230 days ago

Julian L.

Leak under kitchen sink // Universal Property & Casualty Insurance

Near Ruxton Rd, Naples, FL 34116

230 days ago

Julian L.

Hurricane Roof damage // Frontline Insurance

Near Crayton Rd, Naples, FL 34103

237 days ago

Julian L.

Toilet Overflow // Universal Property & Casualty Insurance

Near Indian Pipe Way, Naples, FL 34105

237 days ago

Julian L.

Hurricane Wind Damage // Frontline Insurance

Near Huntington Lakes Cir, Naples, FL 34119

242 days ago

Julian L.

Hot Water Burst // Universal Property & Casualty Insurance

Near Vintage Reserve Cir, Naples, FL 34119

242 days ago

Julian L.

Roof Leak // American Integrity Insurance

Near Naples Heritage Dr, Naples, FL 34112

247 days ago

Julian L.

Shower Pan Leak // UPC Insurance

Near 14th St NE, Naples, FL 34120

247 days ago

Julian L.

Washing Machine water line leak // Citizens Insurance

Near Southern Breeze Dr, Naples, FL 34114

250 days ago

Julian L.

Dishwasher overflow // Fednat Insurance

Near 103rd Ave N, Naples, FL 34108

250 days ago

Julian L.

Roof Leak // Citizens Insurance

Near Sagebrush Cir, Naples, FL 34120

257 days ago

Julian L.

Roof damage // Security First Insurance

Near Fieldstone Blvd, Naples, FL 34109

257 days ago

Julian L.

Slab Leak // American Integrity Insurance

Near Eleuthera Way, Naples, FL 34119

260 days ago

Julian L.

Hurricane Roof Damage // Edison Insurance

Near Danbury Blvd, Naples, FL 34120

260 days ago

Julian L.

Toilet overflow // Universal Property & Casualty Insurance

Near Veranda Way, Naples, FL 34104

263 days ago

Julian L.

Water Damage // UPC Insurance

Near Willow Park Dr, Naples, FL 34109

263 days ago

Julian L.

Hurricane Roof Leak // Universal Property & Casualty Insurance

Near Caldera Ln, Naples, FL 34110

265 days ago

Julian L.

Roof Leak // American Integrity Insurance

Near Lacewing Ln, Naples, FL 34114

265 days ago

Julian L.

Roof Leak // AIG Insurance

Near San Carlo Ct, Naples, FL 34109

267 days ago

Julian L.

Water Damage // Lloyd's of London Insurance

Near Copper Lake Point, Naples, FL 34114

267 days ago

Julian L.

Smoke damage // St. John's Insurance

Near Holland St, Naples, FL 34113

272 days ago

Julian L.

Dishwasher Leak // UPC Insurance

Near Tommasi Ct, Naples, FL 34114

272 days ago

Julian L.

Hurricane Roof Damage // Southern Fidelity Insurance

Near Furse Lakes Cir, Naples, FL 34104

276 days ago

Julian L.

Hurricane Roof Damage // Frontline Insurance

Near Randall Blvd, Naples, FL 34120

279 days ago

Julian L.

Slab Leak // Lloyd's of London Insurance

Near Huntington Lakes Cir, Naples, FL 34119

279 days ago

Julian L.

Hurricane roof damage // Universal Property & Casualty Ins

Near Sagebrush Cir, Naples, FL 34120

281 days ago

Julian L.

Roof Leak // UPC Insurance

Near 55th St SW, Naples, FL 34116

281 days ago

Julian L.

Hurricane Irma Damage // Citizens Insurance

Near 3rd Ave N, Naples, FL 34102

283 days ago

Julian L.

Washing machine leak // State Farm Insurance

Near Molokai Dr, Naples, FL 34112

283 days ago

Julian L.

Water damage // UPC Insurance

Near Blackstone Cir, Naples, FL 34109

283 days ago

Julian L.

Pipe break // Frontline Insurance

Near Borboni Ct, Naples, FL 34114

283 days ago

Julian L.

Roof Leak // UPC Insurance

Near Valentia Way, Naples, FL 34119

293 days ago

Julian L.

Fridge line leak // Fednat Insurance

Near Livingston Woods Ln, Naples, FL 34109

297 days ago

Sacha D.

Mold // Fednat Insurance

Near Tropical Bay Ct, Naples, FL 34120

310 days ago

Julian L.

Water Damage // Southern Fidelity Insurance

Near Clear Lake Cir, Naples, FL 34109

310 days ago

Julian L.

Roof Leak // Tower Hill Insurance

Near Whitehall St, Naples, FL 34109

314 days ago

Julian L.

Mold // AIG Insurance

Near Heritage Bay Blvd, Naples, FL 34120

314 days ago

Julian L.

Roof Leak // Southern Fidelity Insurance

Near Kraft Rd, Naples, FL 34105

318 days ago

Julian L.

Pipe burst in bathroom // Tower Hill Insurance

Near Livingston Woods Ln, Naples, FL 34109

319 days ago

Julian L.

Smoke // Frontline Insurance

Near Fenhurst Way, Naples, FL 34120

319 days ago

Julian L.

Water Damage // Southern Fidelity Insurance

Near Caldera Ln, Naples, FL 34110

325 days ago

Julian L.

Roof Leak // Frontline Insurance

Near 27th Ct SW, Naples, FL 34116

325 days ago

Julian L.

Shower Pan Leak // Water Damage

Near San Carlo Ct, Naples, FL 34109

328 days ago

Julian L.

Water Damage // Frontline Insurance

Near Trade Center Way, Naples, FL 34109

328 days ago

Julian L.

Roof Leak // Tower Hill Insurance

Near Livingston Woods Ln, Naples, FL 34109

333 days ago

Julian L.

Smoke damage // Fednat Insurance

Near Marshcreek Ln, Naples, FL 34119

333 days ago

Julian L.

Water damage // Southern Fidelity Insurance

Near Crayton Rd, Naples, FL 34103

335 days ago

Julian L.

Mold from Water Damage // State Farm Insurance

Near Hickory Wood Dr, Naples, FL 34119

335 days ago

Julian L.

Roof Leak // AIG Insurance

Near Enchanting Blvd, Naples, FL 34112

Naples Public Adjusters

THE BEST PUBLIC ADJUSTERS IN NAPLES FLORIDA

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

Local Reviews for Naples, FL

Great personal service

Denise - Naples, FL 828 days ago

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Local Reviews
for Naples, FL

Denise - Naples, FL
828 days ago