Q: What is a public adjuster?
A: A public adjuster is an insurance claims adjuster who is an advocate for the policyholder in appraising and negotiating a first party insurance claim.

Q: Why do I need to hire a public adjuster?
A: You should hire a public adjuster to protect your interest. When you file a claim on your own, the insurance company is going to under evaluate and under estimate your claim. Since you don’t know any better, most those claims are underpaid. A public adjuster understands the law and policy coverage and he will make sure that your interest are protected by ensuring that the insurance company pays for a fair settlement of your claim.

Q: When should I decide to hire a public adjuster?
A: You should consider hiring a public adjuster immediately after loss has incurred. Hiring an adjuster early in the process, before the fact-finding stage, will put the policyholder in a better position to receive a fair settlement for their losses.

Q: How much do I have to pay a public adjuster to represent me?
A: Countywide Public Adjusters charges a percentage of your claim. If we are unable to recover any monies from your insurance company, then you owe us nothing.

Q: How does a public adjuster file a claim?
A: In addition to being skilled negotiators, Countywide Public Adjusters uses the services of structural appraisers, engineers, accountants, inventory specialists, and other experts as needed. Your insurer will use their own experts to document their opinion of your claim, we will use ours..

Q: If I have already filed a claim, but I am not happy with the settlement. Is there something that can be done?
A: Yes, the claim can be re-opened and re-evaluated. Re-opening a claim will allow Countywide Public Adjusters to access your claim and determine if your claim was underpaid. Florida generally allows a five year period from the date of loss to file a supplemental claim.

Q: Will the insurance company cancel my policy if I hire a pubic adjuster?
A: No. The public adjusting profession is mandated by the Legislature and regulated by the Department of Insurance. It would be a serious violation if any Insurance Company would discriminate against you in any way for exercising your given right to hire a public adjuster.

Q: Who uses the services of a public adjusters?
A: Public Adjusters are utilized by individuals and all types of businesses and professions, including banks, accountants, attorneys, and even insurance adjusters and agents themselves on their own losses.

Q: How much do I have to pay up front?
A: Absolutely nothing. We do not get paid until the money is collected from the insurance company. In fact, we spend our money and our time helping to document and process your claim before we are paid anything.