Florida Public Adjusters – Hurricane Ian and Public Adjusters

In late September of 2022, Hurricane Ian hit Florida’s southwest coast and caused millions of dollars in property damage. Following the storm damage, many home insurance policyholders have seen their claims be denied by their insurance companies. If you feel like you’re not receiving the money that you’re owed from your insurance company, you might need to hire a public adjuster.

When you file a catastrophe claim, your homeowner’s insurance company will designate a claims adjuster to work with you in the event of a claim. The insurance adjuster’s duty is to assess the damage to your property and calculate an appropriate settlement, considering the policy limits. Some policyholders opt to engage a public adjuster instead of working with the insurance company’s adjuster. A public adjuster is a type of claims adjuster who will inspect your property and assist you by figuring out what needs to be fixed. Then, they will give you an estimate of what it’s worth after repairs. The main distinction is that public claims adjusters represent you, the policyholder, rather than the insurance provider. Your insurance claim will be handled and all communication with your insurance carrier will be handled by the public adjuster.

Professionals in the insurance claims industry known as public adjusters will evaluate and negotiate the policyholder’s homeowner’s insurance claim on your behalf. They can help property owners get compensated for their claims thanks to their technical knowledge and understanding of insurance coverage. Public adjusters have a fiduciary duty to put the claimant’s needs ahead of their own. Public adjusters must conduct thorough investigations and provide honest, unbiased reports on their findings. They are professionals whose duty is to be well-versed in the ins and outs of the policy that they’re dealing with. Working with a public adjuster can help ensure that no aspect of your claim is neglected.

Due to the substantial damage that was caused by Hurricane Ian, many insurance companies are denying claims. Claims adjusters that work for insurance companies may not be assessing damage correctly because they don’t work singularly for the policyholder. As a result of a public adjuster working strictly for you, the policyholder, you can rest assured knowing that all hurricane damage will be accurately recorded and judged. If a public adjuster detects more extensive damage than originally reported by the claim adjuster, your insurance company must increase its payout to cover these additional costs.

A 2010 report from Oppaga (Office of Program Policy Analysis & Government Accountability) found that policyholders that made claims in 2008 and 2009 saw a major difference in payment depending on if they used a public adjuster or not. On average, policyholders using public adjusters saw a payout of $22,266 from their insurance companies. Policyholders that did not use public adjusters saw an average payout of $18,659 from their insurance company.

Florida’s best public adjusters are the most dependable public adjusters in the state. We only serve Florida and are therefore local. We know the local laws and won’t leave the state after signing you up. We have had offices in Fort Myers, Ft Lauderdale, Palm Beach County, Jacksonville, and Orlando for more than 5 years. We have been in business for over a decade and rated 5 stars on Google. You can rely on us to get you the money that you deserve from your home insurance company in wake of Hurricane Ian.