Learn More About The Claim Process!
Thank you for entrusting your insurance claim to Florida’s Best Public Adjusters. We are committed to securing a fair and equitable insurance settlement for you.
This document is intended to walk you through the insurance claims process. PLEASE READ IT THOROUGHLY! While we strive to take the “complicated” out of the insurance claims process on your behalf, you will still have questions.
Your public adjuster will photograph, sketch, take infrared pictures when needed, collect your policy information, make copies of all paperwork and complete our letter of representation for your signature.
OUR PROCESS
1
CONTACT US
Schedule your free phone claim consultation. Give us a call or send us a message. We are available 24/7.
2
Inspection & Estimate
Our Public Adjusters will do property inspection and gather as much information as possible. The adjuster will create an estimate of damages and determine – whether residential or commercial properties – how much of the owner’s everyday life has been interrupted. This will be used to submit the claim to the insurance company.
3
Settlement Offer
Your insurance company is obligated to make a decision within 90 days. You receive either a settlement offer, or your claim denied. We are by your side, and have your best interest in mind.
4
Negotiation
Our licensed public adjusters are ready to negotiate your settlement on your behalf. We Through appraisals and mediation, we’ve been able to consistently get homeowners more in their settlement.
5
Settlement Payout
This is every property owner’s favorite part of the process, when you get paid the biggest possible settlement. Florida’s Best Public Adjusters is dedicated to getting you the most for your property damage.
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
Why Choose
Florida’s Best Public Adjusters?
- Zero up-front cost to you for our claims adjuster service… If you don’t get results we don’t get paid.
- Average claims data shows policy holders who hired a public adjuster for non-catastrophic claims received 574% more money than those who did not hire a PA. Policy holders who hired a public adjuster for Hurricane related claims received 747% more money.
- Our claims adjuster professionals have been helping homeowners get proper settlements for more than three decades.
30+ Years of Experience
Three decades of expertise, guiding you through every claim with unmatched knowledge and precision.
No Up-Front Cost
We handle your case with zero upfront fees. No results, no charge. Your success is our priority.
Up to 747% More Money
Our clients receive 574% more for non-catastrophic claims and 747% more for hurricane-related claims. Maximize your settlement.
We Work For YOU! Not the insurance Company
Public Adjusters are licensed by the State of Florida and are very good at what we do. We understand the industry inside and out. We have the staff to fight the insurance companies. One last thing, did I mention that we work for You not the insurance company? Please give us an opportunity to help take care of your next claim. Call us before you call your insurance company. We work for YOU not the insurance company.
Insurance Companies Do Not Have Your Best Interest At Heart. WE DO!
In the world of insurance claims, it’s essential to remember that insurance companies operate to protect their own bottom line. While they may promise to be there when you need them, their primary objective is to minimize payouts and maximize profits. At Florida’s Best Public Adjusters, we understand the reality of this industry and are dedicated to representing your best interests throughout the claims process.
The Insurance Company Will Send Out Their Adjuster To Adjust Your Claim, But Their Adjuster Works For Them! Not You!
Once your claim gets going, your helpful insurance company or their Independent Adjuster will bring in a Professional Engineer (PE) to swing by your property to determine what caused your claim. But here’s the twist – the PE isn’t working for you, the PE works for, you guessed it, the insurance company. The main mission of the PE hired by your insurance company is to uncover reasons to reject your claim. So, don’t bother asking them or your insurance company for a copy of their report; they won’t hand it over. They call it their “work product.” No worries, though; we’ve got our own team of Professional Engineers ready to professionally write reports for us, if needed.
No Results, No Charge
Did we mention we work for You not the insurance company? We work on a contingency basis. We don’t get paid until we get you results. If you have been denied or underpaid on a prior claim what do you have to lose? Let us reopen the claim. If we take your claim we will get you results.
Tips to file property damage claims in Florida
- DO NOT sign or agree to anything without consulting us first.
- Contact us if you receive anything from the insurance company that does not show us as receiving a copy.
- Please note that your insurance company has 90 days to pay or deny your claim. Do not make any assumptions as to how much your insurance company will pay or when they will pay.
- Payments are generally sent to our office, but occasionally will be mailed to you. In the event it is sent to you, please contact us so we can walk you through the process. Insurance company drafts are generally issued to the named insured on the policy, any mortgage holders and our company.
- Since we are paid on a contingent fee basis, i.e., we only get paid if you do, we will issue a payout report on each payment you receive. Our policy is to endorse your insurance check at the time we receive payment from you.
- If you have a mortgage on your home, the mortgage holder will be shown as a payee on your check, per the terms of your insurance policy. We have no control over this, nor can we get involved. It is your responsibility to contact your mortgage holder for its procedures for endorsing insurance payments. We will provide you with a copy of the estimate/award to give to your mortgage holder.
- In some cases, and depending on your policy, Mediation is filed with the Florida Department of Financial Services. Mediation is a process where a neutral third party meets with us and the insurance company representative to reach an agreement both parties can accept. Mediation is paid for by the insurance company and offers us the opportunity to explain what we believe you are entitled to under your insurance claim. It is our job to organize and represent you at the claims process proceedings. All named insured’s are required to attend.
- In other cases, we file a Demand for Appraisal with your insurance company. An appraisal is a process involving two appraisers, one for the insurer and one for the insured (your adjuster), who appraise the damages to your property. The two appraisers select a mutual and neutral umpire in case the two appraisers cannot agree on the amount of damage associated with the claim. The two appraisers schedule a date to inspect the property and each prepares an estimate for the sustained damages. If the two appraisers do not agree on the amount of loss, then the mutual umpire is brought in to decide the final amount of the loss. The umpire’s fees are equally shared by the insurer and the insured. Whatever decision is made in the appraisal, either by the two appraisers or the umpire and one appraiser, the settlement is final. This is binding and completes the claims process. You cannot take your claim to litigation after the appraisal process is completed in most cases.
- Generally, we are able to secure the settlement you deserve through Mediation or Appraisal. If not, we may recommend litigation and will recommend, and work with, an attorney who is highly skilled in insurance claim litigation.
FREE CLAIM ANALYSIS
Once we establish we can help you, and its in your best interest to file an insurance claim, we will schedule an onsite inspection. Speak with one of our adjusters today to start your insurance claim!
We are available 24/7!