A Public Adjuster is an insurance claims adjuster who advocates for the policyholder in appraising and negotiating an insurance claim.
Aside from attorneys and insurance agents, Public Adjusters licensed by the Florida Department of Financial Services are the only type of claims adjuster that can legally represent the rights of a policyholder during an insurance claim process.
There are three classes of insurance claims adjusters:
- Company adjusters (employed by an insurance company or self-insured entity)
- Independent adjusters (independent contractors hired by the insurance company)
- Public adjusters (employed by the policyholder)
“Company” or “independent” adjusters represent the rights of an insurance company.
WHY USE THE SERVICES OF A PUBLIC INSURANCE ADJUSTER?
Property insurance policies obligate the insured / policyholder to prove their claim to the insurance company. Our Public Adjusters are skilled in all aspects of the claims process, thereby putting the insured on equal footing with their insurance carrier. Our licensed Public Adjusters have expertise in many areas, including understanding complex insurance policies from an adjuster’s point of view.
Our Public Adjusters are also trained to identify covered damage and estimate appropriate repair or replacement costs. Our Public Adjusters are familiar the insurance industry and its customs and practices. As a result, they are able to present claims in such a way as to assure the most accurate outcome for you, the policyholder.
The immediate aftermath of an insurance loss is difficult and stressful. Knowing that your Public Adjuster is carefully documenting the damage, and working on your behalf to ensure that you get all the deserved benefits from your policy, brings peace of mind during a stressful time.
Typically a policyholder hires a Public Adjuster to document and expedite their claim, obtain a fair and reasonable claim payment, completely restore their residence or business operations, and insulate themselves from the stress of an unfamiliar arena – the claims process.
At LKMPA, our team works on your behalf to make sure you receive a fair and reasonable payment for your loss. Tell us more about your claim for a free, no-obligation discussion.