Welcome to our Public Adjuster!
Here are answers to the most common questions about Public Adjusters.
A Public Adjuster is a licensed and bonded insurance
professional who assists policyholders with the
complicated insurance claims process when they suffer an
insured/covered loss. The Public Adjuster represents the
public, rather than the insurance company. Although,
many mistake the term “Private Adjuster” for a “Public
Adjuster.” The Public Adjuster is generally compensated
by a percentage of the amount paid to the policyholder
or insured by the insurance company. The Public Adjuster
is a fiduciary agent. The relationship requires
maintenance of a high degree of fidelity and loyalty to
the interests of the policyholder.
There are three types of claims adjusters licensed by
the State of Florida:
Insurance Company Adjuster – is employed
by an insurance company to represent the insurance
company in the handling and ultimate payment of your
insurance claim. The insurance company claims adjuster’s
main responsibility is to protect the interests of the
insurance company (not the policyholder).
Independent Adjuster – is hired by
insurance companies to represent the insurance company
in dealing with you, your loss and damage. The
independent claims adjuster’s main responsibility is to
protect the interests of the insurance company. The
independent claims adjuster investigates your claim by
accessing your damage and reports his or her findings
back to the insurance company. Generally, they do not
make the decision on payment for your loss.
Public Adjuster – is the only claims
adjuster specifically licensed by the State of Florida
to represent you, the Insured. The Public Adjusters’
main responsibility is to protect you and your interests
in claims against a loss with the Insurance Company.
Public Insurance Adjusters who belong to the Florida
Association of Public Insurance Adjusters (FAPIA) and
the National Association of Public Insurance Adjusters
(NAPIA) adhere to a strict Code of Ethics. Those claims
adjusters can take advantage of the best quality, public
adjuster specific, continuing education in the country.
Additionally, FAPIA and NAPIA members have a network of
resources available to best assist policyholders in the
handling of insurance claims.
If you have just suffered an insured loss resulting from
a pipe burst, a fire, hurricane or some other demanding
event, it’s probably not the best time to take a crash
course on how to properly present an insurance claim.
You may be dealing with a multitude of other matters,
such as finding housing or an alternate business
location. Handling the emotional trauma of a loss or
simply going about your daily responsibilities, like
work and family is unnerving enough. God forbid you may
also have to tend to injuries or the inconceivable in
connection with any event.
Consider the following points:
You, the policyholder, is responsible to prove the
extent of your loss to the Insurance Company’s claims
adjusters. The burden of proof is the responsibility of
the insured to prove the value and cause of loss under
the named peril policy. The insured is obligated to
produce estimates of loss and to separate the damaged
property from the undamaged property. Thus, it is highly
recommended that the policyholder engages the services
of a Public Adjuster who, by law, will determine the
value of the loss and present the claim (or proof of
loss) to the insurance company.
A typical insurance policy is dozens of pages long and
contains numerous provisions and stipulations. The
policy is written in technical and legal terms.
Additionally, your insurance policy contains various
forms and endorsements which are constantly changing
from year to year; and which add or exclude coverage
from your policy. Most people have difficulty
understanding what can appear to be a lot of legal
verbiage. For example, did you know that for the
insurance company to compensate you for your loss, there
are certain conditions which YOU must satisfy? Did you
know that your failure to satisfy these policy
requirements could reduce your settlement amount or even
cause your claim to be denied? Don’t feel bad. Most
people don’t realize these aspects of their policy. A
trained public insurance claims adjuster whom you trust
can help to ensure you meet all the policy conditions,
document your loss and get your claim paid.
No matter how organized you and your documentation is,
filing and receiving payment on a claim is a time
consuming and tedious process. If you do not
sufficiently organize and document your damage, you may
not realize the compensation you have paid premiums for
and are entitled to receive.
A licensed, bonded and qualified Public Adjuster has the
experience, knowledge and expertise to obtain your
maximum entitlements under your policy. A Public
Adjuster has, by law, the following responsibilities in
the adjustment of a loss: Verify the effective date of
coverage; verify coverage and proximate cause of loss,
determine the named insured and who had insurable
interest at time of loss; determine other entities that
may have an insurable interest; determine if other
insurance may apply to the particular loss; determine if
the loss was caused by a third party or if subrogation
may be pursued; verify if the insured has complied with
their obligations within their policy and the law (by
also protecting property from further loss; assist the
insured in mitigating the loss; determine if any special
provisions apply and the deductibles; is the damage
property subject to policy limitations as regards limits
or peril coverage; is the property insured in compliance
with a coinsurance clause; is the property covered on an
actual cash basis, replacement cost basis or a valued or
agreed amount basis; determine the extent of the
salvage, if any and its value.
Remember, the insurance company claims adjuster is
representing the insurance company. It is not uncommon
for the insurance company to misinterpret their own
insurance policy or forget to apply case law or Florida
Statutes which supersede their own policy. A public
insurance adjuster is required to know current laws and
how those laws affect insurance losses; enabling your
public adjuster to best represent you. A public
insurance adjuster has resources to help you through the
maze of estimating, documenting, and filing your
insurance claims. Your public adjuster will present your
claim in the most advantageous manner to help you fully
recover from your loss.
A Public Adjuster who belongs to the State or National Association of Public Insurance Adjusters adheres to a strict Code of Ethics and is able to take advantage of the best quality continuing education training in the country. Additionally, FAPIA and NAPIA members have a network of resources to best assist you in handling your insurance claim.
Yes you can. Be prepared to document all aspects of your loss, try to understand the insurance policy you purchased and follow through with the agent and the company. However, if your loss is significant (more than $10,000) you should consider hiring your own insurance professional, public Insurance adjuster to make sure you are properly represented. Remember, the insurance company has their own insurance professional expert representing them. Shouldn’t you have professional representation too?
Author, Jay Feinman who wrote the book “Delay, Deny,
Defend – Why insurance companies don’t pay claims and
what you can do about it”, explains:
“Insurance works when the insurance company honors a
simple promise: When a policyholder files a claim, the
company will pay what it owes, no more but no less, and
will do so promptly and fairly. Insurance doesn’t work
when the company breaks it’s promise in order to
increase its profits. Insurance doesn’t work when
companies delay, deny, defend. When they delay payment
of claims to wear down claimants and to increase their
investment income, flat-out deny some valid claims in
whole or in part, and defend against valid claims in
litigation to back up the delays and denials, they break
their basic promise”.
Compound the above assertion with the fact that many
people have difficulty understanding the technical
language of an insurance policy and the complicated
procedures they must follow to comply with the policy’s
terms. This problem is magnified when you have suffered
a loss and are emotional about the situation. That is a
perfect time to have an experienced professional on your
side whose sole responsibility in the matter is to serve
you, the insured. The insurance company certainly has an
experienced professionals working for them.
Basically, if the insurance company paid you the funds
you need to fully recover from your loss, you would not
have to hire a public adjuster. Public Adjusters would
not exist if the insurance companies honored their
contracts with the policyholders. Even the state
recognizes the insurance industry has issues; thus, the
state created an avenue for the licensed profession of
Public Adjusters. For more information on the State of
Florida guidelines for Public Adjusters visit
DFS
License & Appointment – Make sure their
license and appointment are up-to-date with the State of
Florida and make sure they are really a licensed Public
Adjuster. Some people misrepresent themselves as public
adjusters. Make sure they are state licensed public
adjusters.
Experience – Public Adjusters come from a
wide range of backgrounds – Ask about experience and
training and it’s always a good idea to ask for
references. Make sure the person who you are considering
has the right mix for you.
Professionalism – Do not sign blank
contracts. A professional public insurance adjuster will
explain the fee structure up-front so you understand why
and what you’re are paying for.
Comfort Level – This intangible may be
quite important if your claim is complex or extensive.
This claims adjuster individual or company will be
helping you through a very traumatic time and resolving
the claim could take some time…find someone who fits
your needs. Make sure they show you their license and
FAPIA ID Card – A public insurance adjuster who is a
member of their state association of public insurance
adjusters takes their profession seriously and
subscribes to a strict code of ethics. FAPIA public
claims adjuster members care about advocating for
policyholders in Florida.
No, your insurance company cannot cancel you; it would be a serious violation for any insurance company to discriminate against you for exercising your rights provided to you by the State. You have the right to engage the services of a Public Claims Adjuster.
We will need to review your claim. If you did not sign a release and the statute of limitation has not passed, we should be able to have your claim reopened. Contact D’Orsa and Associates, LLC at (877) 742-3587 for assistance.
Each insurance claim and insurance company are unique. Insurance companies (generally) dictate the speed of the claim. In cases of major disasters, due to the abundance of claims, the process may take longer than usual. The average claim takes approximately 3 to 4 months to settle. Our Public Adjuster will prompt the claim along quickly to secure a just settlement for you.
FOR HELP WITH YOUR INSURANCE CLAIM CALL US!
(877) 742 - 3587
adjuster@dorsaassociates.com