Recent Results:
State: Florida Public Insurance Adjuster
County: Seminole County Public Insurance Adjuster
City: Lake Mary Public Insurance Adjuster
Lake Mary FL 32746 – Neighborhood: Eaglet Rd
Claim Type: Hail – Roof and Screen Enclosure Damage
Insurance Company Original Offer: $5,000
Alpha Public Insurance Adjusters settlement: $62,000
Percentage Increase: +1,100%
State: Florida Public Insurance Adjuster
County: Seminole County Public Insurance Adjuster
City: Lake Mary Public Insurance Adjuster
Lake Mary FL 32746 – Neighborhood: Pickfair Terrace
Claim Type: Hail – Roof Damage
Insurance Company Original Offer: $8,200
Alpha Public Insurance Adjusters settlement: $51,000
Percentage Increase: +500%
State: Florida Public Insurance Adjuster
County: Seminole County Public Insurance Adjuster
City: Lake Mary Public Insurance Adjuster
Lake Mary FL 32746 – Neighborhood: Enclave at Tuscany / Volterra Way
Claim Type: Hail – Roof Damage
Insurance Company Original Offer: $Under Deductible
Alpha Public Insurance Adjusters settlement: $45,000
Percentage Increase: +45,000%
State: Florida Public Insurance Adjuster
County: Seminole County Public Insurance Adjuster
City: Lake Mary Public Insurance Adjuster
Lake Mary FL 32746 – Neighborhood: Oak Leaf Circle
Claim Type: Hail – Roof/AC/Screen EnclosureDamage
Insurance Company Original Offer: $12,700
Alpha Public Insurance Adjusters settlement: $83,500
Percentage Increase: +550%
Public Adjusters vs Insurance Adjusters: What’s the Difference?
If your home or business suffers damages from theft, vandalism, fire, plumbing, or natural disasters, the first thing you must do is contact your insurance company. Reporting the damage is the first step in the claims process. Your insurer will send out an insurance adjuster, also known as an independent adjuster, to gather details of the damage to come up with a fair settlement. Additionally, you can hire a public adjuster (PA). Public adjusters perform investigative work, much like the insurance adjuster, but their goal is to get you the highest possible settlement. How does this differ from the adjuster provided by your insurer? Let’s review and share the benefits of hiring a PA.
What Does an Insurance Adjuster do?
We briefly went over who an insurance adjuster is and their responsibilities. Their goal is to diligently collect information, which may include statements, photos, and property damage. They will sometimes perform interviews if multiple parties were involved in an accident, whether on a commercial or residential property. After completing their research, they will come up with a settlement, which policyholders often assume is a fair settlement. Sadly, this isn’t always the case.
Who do Insurance Adjusters Work for?
These professionals will sometimes come with the title “independent adjuster,” which is a bit misleading. They do not work on their own but were hired by the insurance company from a third-party source. As a result, the insurance adjuster acts on behalf of the insurer. Therefore, before you rely on their settlement, ask yourself what is the goal of the insurance company? The answer is simple. Their goal is to maximize their profits which, in turn, means minimizing yours. This can explain why the insurance adjuster initially offers such a low settlement. So, as a word of warning, never accept the initial settlement.
What Does a Public Adjuster do?
A PA can also be considered independent, or they can be hired by a reputable company, such as Alpha Public Insurance Adjusters. Again, they perform investigative research to come up with a fair settlement. They also help the policyholder in several ways, including:
- Inform you about deadlines for submitting important documents.
- Gather information, such as photos and an estimate of the damage, to accurately file a claim.
- Explain complex provisions and processes when filing a claim.
- Help you properly file the insurance claim.
- Negotiate a fair settlement with the insurance company.
- Help you appeal a denied claim.
Who Do Public Adjusters Work for?
As you may have guessed, the policyholder works on your behalf. In return, they receive a portion of your settlement. So, it goes without saying, a public adjuster wants to maximize your settlement – not just because it’s important to them, but as their client, it’s critical to you. In addition to maximizing your settlement, they ensure the claim is handled fairly and as quickly as possible.
What Should You Look for in a PA?
Not all PAs are the same. As with any industry, you will find a few bad apples. First, it helps to hire a professional from a reputable company, like Alpha Public Insurance Adjusters. You know they are licensed, experienced, and trained to get the results you want.
However, if you do not live in Lake Mary and the surrounding area, and cannot contact our team, here is what to look for in a PA:
- References: Always check at least three references in the last six months.
- Qualifications: Make sure they are licensed to work in your state.
- Quality: Look out for red flags. If a PA pressures you into hiring them, they’re likely desperate for the work, which speaks to their quality of work.
- Claim types: Find out what claims they have worked in the past. It’s best to hire a public adjuster who has experience working on a case similar to your own.
Contact Alpha Public Insurance Adjusters
Now that you know the difference between an insurance adjuster and a public adjuster, which do you think will have your back during the claims process? If you live in Lake Mary, FL, contact our team by calling (888) 442-5742 for a free consultation.
