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Public Adjusting

How Much Do Public Adjusters Charge in Miami, FL

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May 21, 2018 by percy Martinez

In the wake of property theft or damage to your car or home, chances are you will have to consider making an insurance claim. If you have to do so, you might find yourself dealing with an insurance adjuster. Most public insurance adjusters in Miami, Florida will not charge you for visiting the site of the loss and determining whether they will work on your case. Nevertheless, they will charge you for working on your claim.

Typically, public adjusters charge you a percentage of what you are bound to receive when the insurance company settles your claim. Nonetheless, this percentage varies among public insurance adjusting firms and is usually capped by local state law.

In Miami, Florida the percentage charged by public adjusters lies in between 10% percent for the state of the emergency claims such as a hurricane or storm and 20% percent for the average demand. Of course, this depends on the experience level, success rate, and other factors. Choosing a public insurance adjuster is better than filing the claim yourself as they will do a tidier job, get you the correct amount, and save your time.

Public Adjuster Laws and Statues by Serafin Martinez on Scribd

Types of Adjusters

Claims adjusters are the professionals that you will deal with the most while following up on your insurance claim. There are three types of adjusters, and they include:

An Insurance Company Adjuster
This is an adjuster employed by the insurance company where one is filing their insurance claim.

An Independent Adjuster
This is an independent contractor that is hired by an insurance company to handle some of the claims forwarded to them.

Public Adjuster
This is an insurance adjuster that evaluates property loss or damage on behalf of the policyholder and assists them in filing insurance claims at a fee. These are licensed professionals that work for both businesses and individuals but not for insurance companies. Think of Public Adjusters as an asset, and they help you get the maximum amount of compensation under the law.

More about Miami Public Insurance Adjusters

A Public adjusters duty is to YOU the client; they work on behalf of the policyholder. A business or individual typically employs the services of this adjuster when they require some assistance in filing a claim or when they believe the claim amount being offered by the insurance company is not correct.

Claims for hurricane damage, fire, winds, or floods, as well as damage resulting from other perils, can be negotiated and filed by a public insurance adjuster. Additionally, they can also evaluate property losses resulting from situations such as loss of business income.

What Will a Public Insurance Adjuster Do For You?

A public insurance adjuster is a specialist in the language, details, and all the intricacies found in insurance policies and can file and adjust claims for you as well. They typically know claim-related fields such as construction and commonly use software to do an independent evaluation of the property loss or damage. Adjusters are usually better at investigating the costs of damages done to your home, and they also know what the best way to submit a claim or supplemental, in addition to understanding how the system works.

Time is short, and most homeowners can’t spend time filling out forms, evaluating and submitting claims. At any rate, it can be a daunting task and usually fail to accurately provide a property insurance claim the way a licensed public adjuster can, YOU need to be as detailed as possible. Also, the experience can go a long way.

This professional can also help you negotiate with contractors to get a better settlement from your insurer. Contact between you and your adjuster is personal while that between them and your insurance company typically occurs via mail. Needless to say, when a public insurance adjuster has your back when you need to file a claim, you will not only evade pitfalls that stem out of inexperience but will also save you time as they will undertake all the labors associated with the process.

Should You Use a Public Insurance Adjuster?
The normal is for homeowners to file a property insurance claims. However, its always best to consider using a public adjuster to fight for your insurance application.

Here is the thing: you as the policyholder stand to lose nothing from hiring one considering that most public adjustment companies offer to evaluate the loss, free of charge. They aim to help you determine the severity of the damage while advising you on whether you should file the claim.

Additionally, regardless of whether the policyholder is sure about the loss’s value, having a second opinion is only wise. In fact, on many occasions, public insurance adjusters, on visiting the sites of property loss or damage, find that the policyholders’ loss estimates are far below what they should be.

Since insurance adjusters who handle property claims are experts, it is very doubtful they will make mistakes. Most homeowners with insurance tend to make these mistakes, especially when it comes to evaluating and calculating the damages. An example of someone failing to submit the property information is; Let’s say a hurricane destroys your roof, most forget to add the costs of removing the roof which can cost you a lot of money on the claim.

It is paramount to obtain the exact estimation and well-written claim of the damages done to your home from your home insurance policy You have to remember that insurance companies are after all in business and as such would never voluntarily pay you more than what you have claimed even when they notice you omitted some costs. Hiring a public insurance adjuster will save you from such pitfalls.

How do you Choose A Public Insurance Adjuster in Miami, FL?
When looking to hire a right public adjuster, you first need to check whether they are legally certified to practice. As such, do not employ the services of an attorney or contractor who claim they can offer adjustment services yet they do not have the necessary licenses. Remember, a license is the ultimate proof of qualification.

Other factors to consider include:

infographic detailing information about the different types of claims a public adjuster can do and how much

Will the adjuster handle your claims personally?
As the client, you preferably need one person working on your case. However, most public adjusting companies will send several experts over to inspect your home, and that’s a good thing! Sometimes another public adjuster will give it to another adjuster because they specialize in a specific type of claim such as roof damage.

Can you get referrals?
Having a friend refer you to a public adjuster is the best way of finding a right adjuster. However, if none of your acquaintances have worked with adjusters before, ask the adjuster you have discovered for contact information of their previous clients to do a follow-up. A right adjuster with nothing to hide will willingly divulge this information.

Is the adjuster well experienced?
Some claims need the attention of an experienced professional due to their severity or complexity. It is essential to find out what the best public adjuster that suits your needs; you can learn more about previous jobs they have had in the past similar to yours or have worked with your insurance company in the past.

Also, note that more experienced adjusters tend to charge higher than those with less experience. Nevertheless, the amount of claims worked on by an adjuster does not necessarily indicate their experience level. For instance, a highly-experienced adjuster could take on only a few requests every year, just because they choose to work on large and complex claims that involve a lot of money.

Their terms of communication

Typically, the public insurance adjuster will handle all the details of the claim for you. However, you might feel that you also want to be involved in the process to some degree. Before you hire an adjuster, ensure that they are comfortable regularly communicating with you during the process.

References

Florida Public Adjusting Statues

Filed Under: Public Adjusting

What Does A Public Adjuster Job In Miami Look Like?

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May 21, 2018 by percy Martinez

A public adjuster in Miami has a unique job that most of us are blissfully unaware. We do not necessarily stop to think about the necessity of these individuals or how important it is that we have them working to help society move along as it is intended to. Despite this, public adjusters are all around us. The fact remains that it does not necessarily take a lot of formal education to get into this line of work. They can be trained on the job, and those who are good at what they do can move up the ranks pretty quickly.

Looking At Insurance Claims

Public adjusters are people who work as a go-between for the public and insurance companies. They serve as investigators of sorts to prepare claims. The adjuster is someone who will check out the circumstances of a particular situation for someone who is making an insurance claim to try to negotiate the terms of a demand for that individual. They are working for the person who is claiming this circumstance. They want to make sure that they do not leave anything on the table when it comes to making their claim. There could potentially be a lot of money at stake when it comes down to it. Squeezing every last dollar possible out of the situation is essential.

Requirements To Get The Job

Claims Adjuster Requirement Sheet by Serafin Martinez on Scribd


Someone who is good at math and communication might be a great candidate for this job. At the entry level, it does not take a college education to have this job. A high school diploma along with the skills just mentioned are all that you need. It might be nice to know someone already in the industry to get a leg up on the competition for the job as it were, but that is not a necessity either. As long as you can show that you are capable of handling the job responsibilities as they are presented to you, then you are well on your way towards getting this job.

Income For Adjusters

graph showing the avg income for pub

What is the bottom line for pay for a public adjuster in Miami? The answer is somewhere between $40,000 and $55,000 per year. That is not a bad start for a potential that does not require a college education. Many people would snap up the opportunity to take on a job like that if given a chance. Now they are being given that opportunity at least in Miami.

Being a public adjuster may not be one of those roles that are talked about in the media a lot, but it is an outstanding job that is relatively well paid for what is required to get it. A lot of people out there who are qualified to do this job need to hear about it so that they can start working in the field and helping society with the skills that they have in this area. It is most likely the case that is some great adjusters out there who just have not heard of the role as of yet.

Filed Under: Public Adjusting

Public Adjuster Miami, FL Reviews

May 1, 2018 by percy Martinez


Public Adjusters are a very important asset to have as a homeowner. Adjusters ensure you recover the most out of the damages done to your home. Finding the best kind of adjuster in Miami can be cumbersome. Luckily there are plenty of resources to find or review a public adjuster in Miami, FL. So let’s go through a step by step process on how to review or find the best insurance adjuster.

So there a plenty of websites that exists that are for the sole purpose of reviewing public adjusters, for example, Google! Google provides quality and authentic reviews which clients give to businesses to rate them from 1 to 5 stars, you can submit a review if you have a Gmail and you MUST be a client. Plenty of adjusters are listed on Google because well…. its the best one! Below is an example of the local pack which consists of a plethora of public adjuster companies, or you can follow this link here to view it live.

a google map of the best public adjusters in Miami, FL

Another company which focuses on reviews is Yelp. Yelp is a great review platform for local public adjusters in Miami. They provide information on the business such as images, videos or any type of rich media. It also has the same concept as Google where clients can just leave a review of how public adjusters did on their merit. Yelp also provides an array of advertising services so be careful when looking for a public adjuster near you! Make sure you don’t click on those ads, as those are paid for.

The most reputable out of the 3 is the BBB short for the better business bureau. The BBB is a fantastic website and by far my favorite in obtaining public adjuster Miami reviews on the fly. You simply enter the public adjusting company name and results page will show you the best of the public adjusters in your local area or near you.

Filed Under: Public Adjusting

Public Adjusters the Pro’s & Con’s

File Your Claim Online Start Now

March 29, 2018 by percy Martinez

PROS

ADVOCATE

Public adjusters are your third-party source when it comes to claims adjusting. You don’t need the stress of your insurance company always asking you for things and to send over documents you don’t know about or have no idea about, that would cause you a lot more stress than needed. If you reach out to an adjuster, they won’t stress you out. They will sit you down and explain to you on why your insurance company is asking for these things and they will be the one to sit with your insurance company on handling the matters of your claim.

KNOWLEDGEABLE

Adjusters will all the more acquaint you with the necessary information you need to know about what is and isn’t on your policy. They are trained and licensed to do these things so that they can provide excellent services to their clients. Adjusters are very well-rounded in what they do and the types of claims they handle. So, don’t worry, ask them all the questions you need, and they will provide you with notable answers.

INCREASED SETTLEMENT

Public adjusters in Florida alone has gotten a 747% increase in settlement claims from a policyholder’s first initial claim, according to Florida’s Office of Program Policy Analysis & Government Accountability (OPPAGA). This goes to show that hiring a public adjuster will help you get the best settlement you can get and they will work hard so that you are not left in the dust trying to come up with a financial solution to the damages made to your property.

CONS

TIME

Depending upon your claim(s), it can take some time before you actually get a check in hand. But this just goes to show that public adjusters take their in time in reviewing your case so that they are aware of the damages and negotiate it to your insurance company. But if things go sideways, your claim can go to court, which means that it will delay your settlement claims. This is only if the insurance company doesn’t comply or if there are other issues that need to be solve.

PAYMENT

You should already know by now that, adjusters will not get paid until you get paid. This takes awhile to process because they have to review the claim and get ahold of your insurance company. They work hand in hand with insurance companies, but they make sure that they’re prioritizing you so that you can get you the best claim settlement that you need. In fact, this encourages them because the more you get, the more adjusters get. It’s a solution where everyone benefits.

CRITICAL DAMAGES ONLY

Another con for hiring a public adjuster is that some only take damages that are extensive and catastrophic. That is why it is best to do your research on a public adjuster before you decide to hire one.  If your claim isn’t as big, you can still hire a public adjuster, but you will expect just a little bit of monetary settlement than what you anticipated. But don’t worry, because they will still help you despite the damages made to your home are small.

Filed Under: Public Adjusting

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PUBLIC ADJUSTER – Adrian Benitez

Our excellence is measured by our work, ethics and integrity. We wish to provide you with the best in class service and knowledge to ensure that we obtain the best results for your insurance claims.

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Reviews

Mar 3, 2018
by Dania on Churchill Public Adjusters
Best Public Adjuster

I have been a homeowner for a long time, I was paying insurance for over 20 years. My first claim ever made was denied, so I called Churchill and they were super professional. I got my windows and bathroom replaced so thank you!

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Get in touch with us today to learn more about how we can help you with your insurance claims. Below is a list of our locations.

Miami, FL

1600 Ponce de Leon Blvd, 10th Floor #116
Miami, FL 33134
United States (US)
Phone: (786) 224-0601

West Palm Beach, FL

500 S Australian Ave, Suite 676
West Palm Beach, FL 33401
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Phone: (561) 440-1121

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2881 E Oakland Park Blvd #448
Fort Lauderdale, FL 33306
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Phone: (954) 378-5407

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1515 N Federal Hwy, Suite 300-46
Boca Raton, FL 33432
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Phone: (561) 931-1449

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