nbestEvery fall, thousands of “snow birds” return to Florida and other Southern states to spend the winter pleasantly in their warm second home. Some of them come back to an unpleasant surprise: They discover their home was damaged while they were away. They pull out their homeowners policy, fill out the paperwork and file a claim for damages. At this point, they sometimes get a second nasty surprise: The claim is denied because the house or condo was vacant for part of the year.

However, this is not a valid basis upon which to deny the claim. We successfully re-open and pursue hundreds of these snow birds‘ types of claims every season. Public adjusters know the ins and outs of the insurance industry. Policies are written in complicated legalese and most insurance companies are large bureaucracies. This can make for a confusing and frustrating experience under the best of circumstances. If you are filing a claim, you are usually not in the best circumstances.

Unfortunately, many of these snow birds policyholders just accept the denial. They are intimidated by the process and do not really understand what the policy covers, thus they do not know what constitutes a valid claim. Insurance companies have an inherent conflict of interest. Although they are in business to pay claims, paying too many claims cuts into the company profits. Public adjusters have no such conflict, we get paid if you get paid.

For the snow birds homeowners, the denial can sometimes feel very personal and it can upset them. This can make it difficult to handle the claim as effectively and efficiently as they would like. For a public adjuster, it is our business. The claim will be handled professionally. We do this every day. We have a track record of success. Getting you paid keeps our doors open.

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Aaron Skloff
Aaron Skloff
October 30, 2023
Trustindex verifies that the original source of the review is Google.
Stephen was very knowledgeable and sincerely took an interest.
D H
D H
July 28, 2022
Trustindex verifies that the original source of the review is Google.
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
Trustindex verifies that the original source of the review is Google.
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
Trustindex verifies that the original source of the review is Google.
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
Trustindex verifies that the original source of the review is Google.
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
Trustindex verifies that the original source of the review is Google.
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
Trustindex verifies that the original source of the review is Google.
The professional service we received made our insurance claim easy.
Ryan Steele
Ryan Steele
March 17, 2021
Trustindex verifies that the original source of the review is Google.
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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