It is crucial to contact a Licensed Public Adjuster immediately after discovering you have suffered a loss. Although we can get involved at any point of the claims process, it is preferred to have the claim properly documented and presented when the incident first occurs, this will ensure a smooth claims process and prompt settlement of the claim. It is the policyholders right to contact a Public Adjuster before they contact their insurance company. As the insured’s representative we are able to report the claim on the insured’s behalf.
No! There is no out of pocket expense during the claims process; the insured would wait for their settlement check to arrive with the deductible already taken from the settlement. For example, if a claim is settled at $10,000.00 and the insured has a deductible of $1,000.00, then the settlement check will be written for $9,000.00.
Public Adjusters work on a contingency fee basis, which means we do not get paid until the insured gets paid. A typical fee can range from 10% to 20%, which is paid to the Public Adjuster once insurance settlement checks are received. We do not charge on the insured’s deductible and there are no other fees associated with the process of handling the insurance claim.
Between inspection appointments, communications, reviews and negotiations, the homeowners are regularly notified of the claim status. Typically, the average time frame to complete a claim is from 30 to 90 days. Insurance claims may vary on the time it takes to settle depending on the severity and type of loss.
At no charge, we come to you at your convenience to review your insurance policy and the damages of your property. Hurry-Claim Public Adjusters provides NO OBLIGATION CONSULTATIONS throughout Central and South Florida. No recovery, no fee guarantee.
Beware of the Following
Assignment of Benefits Contract
Homeowners constantly fall victim to this agreement unsuspectedly. Although it is legal, it is often misunderstood by the home or business owner. Once the contract is signed, essentially the home or business owner is signing away all their rights under the policy to the contractor. There is no guarantee on what exactly the contractor will actually repair. Checks are usually made payable to the homeowner and the contractor causing a conflict of interest.
Contractors and Restoration companies have the opportunity to charge the insurance carriers for the “work performed” and some times not performed, usually getting away with the homeowners money. Anyone whom is not licensed as a Public Adjuster or an Attorney may not handle or negotiate an insurance claim in any way.
"The Right to Repair"
Many Insurance carriers are attempting to repair the Policyholder’s property instead of paying the home or business owners for their damaged property. This leads to a clear conflict of interest. The Insurance carriers “Preferred Vendor” is looking specifically to save money for the insurance company. Usually performing substandard repairs, and many times without necessary permits. Let us help you when confronted by this problem! We can help negotiate for a fair settlement despite the carrier’s attempt to repair the property themselves.
For more information on this specific subject please visit http://www.fapia.net/managed-repair-crisis.html
Prematurely hiring an Attorney
Many Attorneys give the impression that they are fit to represent a Policyholder with their property damage claim. Frequently they will hire outside “Consultants” who are not licensed as Public Adjusters to evaluate the loss. Attorneys are unable to file suit until the insurance carrier violates the policy or law. On most occasions Attorneys are charging up to 33% of the loss proceeds in pre-suit (Once the carrier accepts coverage and issues an undisputed payment). An attorney however is exclusively necessary when the Public Adjuster has exhausted all avenues of possible resolution of the insurance claim. An Attorney should be considered a “last resort” after the insurance company has denied or acted in bad faith, legal counsel would then be retained to litigate a wrongful denial.
Hurry Claim Public Adjusters works with a network of only the best established law firms in Florida that care about our clients as much as we do.
Unlicensed Practice of Public Adjusting (UPPA)
In Florida, only licensed Public Adjusters are legally permitted to negotiate insurance claims on behalf of policyholders. Unfortunately, some contractors and roofers cross this legal line by offering claim handling, negotiations, or dispute resolution services without the required license.
These unlicensed practices often mislead property owners into believing a contractor or roofer can manage the entire insurance claim. While contractors play an important role in repairs, they are not authorized to interpret policies, negotiate settlements, or advocate for claim payments unless properly licensed.
Engaging in or relying on unlicensed claim representation can expose consumers to higher costs, ethical violations, and legal risk. Always verify that anyone negotiating your insurance claim is a licensed Public Adjuster in the State of Florida.
Section 626.8738, Florida Statue:
Penalty for violation.– any person who acts as a resident or nonresident public adjuster or holds himself or herself out to be a public adjuster to adjust claims in this state, without being licensed by the department as a public adjuster and appointed as a public adjuster, commits a felony of the third degree, punishable as provided in s. 775.082, s. 775.083, or s. 775.084. Each act in violation of this section constitutes a separate offense
Please visit https://www.fapia.net/report-fraud.html to report any suspected case of UPPA!