FAQs

A Public Adjuster is a licensed and bonded insurance professional who advocates for the policyholder in appraising and negotiating an insurance claim. Adjusters who belong to FAPIA adhere to a strict Code of Ethics and can take advantage of the best educational resources.

Public Insurance Adjusters and attorneys are the only parties allowed by law to represent and pursue another party's interests in an insurance claim.

You will almost always get an increased settlement from the insurance company if you use a Public Adjuster for the simple reason that your Public Adjuster prepares a more detailed and complete claim analysis and accurately documents the damage in today's replacement cost calculations. Having an experienced professional who knows all the insurance company's "loopholes" working for you is invaluable. You don't always get what you deserve in the insurance arena – you get what you can prove. We frequently double the amount policyholders receive.

The insurance company adjuster is employed by the insurance company and can't fully protect both your interests and that of their employer. This insurance adjuster will typically recommend a claim settlement that is less than fair to the policyholder. As a Public Adjuster, we are experts in understanding your policy, coverage, and the insurance company's responsibilities to negotiate a better settlement for you.

Yes! Thousands of claims go underpaid or denied each year, but you have options. We reopen your claim, negotiate with your insurance company, and use our team of experts to prove you are owed for damages that are covered by your insurance policy.

The new Florida homeowners insurance legislation signed into law on December 16, 2022 is making the following changes, cutting filing time in half:

• A new property insurance claim or reopened claim must be filed within 1 year after the date of loss rather than 2 years.
• A supplemental claim must be filed within 18 months after the date of loss rather than 3 years.

~ See Florida Statute 627.70132

For underpaid or denied claims, the standard fee for public adjusting services is a small percentage of the additional amount paid by the insurance company as a result of our intervention. We don't get paid until after your insurance company pays you the additional funds.

For new claims, the standard fee is a small percentage of the total amount paid by the insurance company. We don't get paid until you receive those funds.

By law, fees are capped at 10% when property damage occurs during a declared state of emergency.

The typical timeframe on a new claim is 1-2 months from contacting us to receiving an insurance payment.

The typical timeframe on a disputed claim that has been underpaid or denied is 4 months from contacting APIA-IRC to receiving insurance funds.

Absolutely. Over many years, I have cultivated relationships, resulting in a team of professionals I trust and can highly recommend to promptly and courteously do the specific work you need.

If the home is uninhabitable, I work with the insurance company to obtain alternate living expenses. To be reimbursed, you must have receipts showing out-of-pocket costs such as hotel or motel rooms, or lease agreements when renting a residence. I do not receive any fee for this.