Frequently Asked Question!
A Public Adjuster is an option no insurance company will tell you about. They are licensed insurance professionals that work for the public to represent policyholders when they’ve experienced damages or a loss. They are highly regulated by the state in which they practice, who make sure that the P.A. is operating according to state standards and statutes. In the state, PAs must not only finish an insurance course and pass a state administered bar, but comply with fingerprinting and background checks, be bonded for $50,000, and then apprentice under another licensed PA for an entire year.
You’ve paid your insurance company for years so don’t settle for less than what you’ve paid for now that it’s their turn to take care of you. We’ll fight to get you the full relief that your insurance policy has promised you and that you’re entitled to.
Claim and Property Inspection with Policy Consultation: Free. For Proxy to come to your property and inspect damages to see if you have a claim and go over your insurance policy, there is no charge whatsoever, and no obligation to sign a contract.
Claim Representation: Our fee for Public Adjusting representation is listed on the contract that you will sign if you decide to have us represent you. The fee for a residential claim is 20% of the claim total (in Florida), unless the damage occurred during a declared state of emergency; in which it becomes 10% of the claim total, and our fee is contingent upon how much we are able to get from the insurance company. If you don’t get paid, we don’t get paid.
The Insurance company can decide to drop you at any point in time, for any reason, besides personal discrimination (race, age, sexual orientation, etc.). Your rate can go up or they can drop you because they see you as a “high risk” customer. If you accidentally leave your iron on and it burns your house down, they can drop you due to “negligence”. Hiring a Public Adjuster does not change this for the better or worse. If your home is destroyed by an “act of God”, like a hurricane, then it’s not likely that they will drop you or raise your rate. On the up side, if you have wind damage and your entire roof is replaced, you should be able to negotiate a lower rate because you’re less likely to experience leaks and other claimable damages.
PROFESSIONALISM Adjusters are supposed to be professionals; your P.A. should speak, act, and dress professionally, return phone calls in a timely manner, and be willing to answer questions you may have. To obtain the services of a P.A., cost should range from 8% to 25% of your total claim. Anything higher or lower than those amounts may be a red flag as to whether or not you’ve hired the right P.A.. The contract you’ve signed should have a disclaimer explaining how long you have to terminate the contract, if you find you need to cancel.
Insurance companies have their own adjusters that they send out to assess the legitimacy of an insurance claim, they are called Staff Adjusters or Independent Adjusters. They are very different from PAs. The first and most obvious difference is that they work for the Insurance company and NOT the policyholder. PAs work only for the public and are paid by the public, not the insurance company. They are also different in that it is much more difficult to become a state licensed PA than a standard staff adjuster or independent adjuster. One major difference is the apprenticeship. Staff and Independent adjusters are not required to apprentice for a year or any set amount of time as a trainee. The motive is different, the program is different, the testing is different, and of course the state license and regulation is different. A Staff or Independent can become a PA, but they have to concede to all of the requirements and relinquish their current license as a Staff or Independent Adjuster. They cannot represent both the Insurance Company and the property owner because that would obviously be a major conflict of interest. Staff and Independent Adjusters can often be one-sided, biased, and nitpicky, scrutinizing the damages to avoid awarding proper payment, or denying legitimate claims all together. The Insurance company they work for keeps record of how much they’re paying out, and if it reaches a certain number, their job could be in jeopardy. So, they’re pressured to keep their claim payouts as low as possible, to save the insurance company money. PAs are there to tip the balance scale back the other way, to look out for the interest of the policyholder. No longer are you left at the mercy of a job-scared biased party. A P.A. can be hired by you, the insured, to assess the claim, negotiate with the insurance company, and sometimes go to court (as an expert witness) to resolve your claim and get you the money you deserve for restoration of damages.
I'd like to meet with a P.A
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How our process works
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