Frequently Asked Questions

Common Questions About Public Adjusting Services

  • 1. What is a public adjuster? A public adjuster is a licensed professional who represents policyholders in settling insurance claims.
  • 2. How do I know if I need a public adjuster? If your claim is complex or denied, a public adjuster can help you get a fair settlement.

  • 3. How long do I have to file a hurricane claim in Florida? Florida law allows three years to file a hurricane claim.
  • 4. Does hurricane insurance cover flood damage? No, flood damage requires a separate flood insurance policy.

  • 5. Does homeowners insurance cover flood damage? No, flood damage is typically covered by a separate flood insurance policy.
  • 6. How can I file a flood damage claim? Contact your flood insurance provider, document the damage, and consult a public adjuster for assistance.

  • 7. What does "Replacement Cost Value" (RCV) mean? RCV is the cost to replace damaged property without accounting for depreciation.
  • 8. What is Actual Cash Value (ACV)? ACV is the value of your property after accounting for depreciation.

  • 9. How much does a public adjuster charge? Public adjusters typically charge 10-20% of the final settlement.
  • 10. Are public adjuster fees regulated in Florida? Yes, the Florida Department of Financial Services regulates public adjuster fees.

  • 11. Does homeowners insurance cover roof damage? It depends on the cause. Wind and storm damage are usually covered, but wear and tear is not.
  • 12. How do I prove roof damage for my claim? Take detailed photos, keep records, and have an inspection done.
  • 13. Should I get an independent roof inspection? Yes, an independent inspection helps validate your claim.

  • 14. What should I do if my claim is denied? Request a written explanation, review your policy, and contact a public adjuster.
  • 15. Can I reopen a denied claim? Yes, if you have new evidence or documentation, you can request a review.
  • 16. How can a public adjuster help with an underpaid claim? A public adjuster can negotiate on your behalf and increase your settlement.

  • 17. What is business interruption insurance? It covers lost income and operating expenses if your business is affected by a covered loss.
  • 18. What does business interruption insurance typically cover? Lost revenue, rent, payroll, and relocation expenses.
  • 19. Does business interruption insurance cover COVID-19-related losses? Generally, no. Most policies exclude pandemic-related losses unless specifically stated.