What is a Public Adjuster?
A Public Adjuster is a state licensed and bonded claims specialist who represents you when you have an insurance claim. We are bound by a code of ethics administered by the state of Florida. We work on a contingency fee, which means there is no fee until you receive a settlement. We often work with other insurance professionals to expedite your claim including contractors, engineers, attorneys, independent adjusters, appraisers, mediators, umpires and others. We prepare your file in case of litigation and negotiate the best possible settlement for you.

Why Capital Public Adjusting?
The success of our business is directly related to getting you the best possible settlement. We take this responsibility very seriously.    As a member of the Better Business Bureau and F.A.P.I.A. (Florida Association of Public Insurance Adjusters) you can be sure you are working with a Public Adjusting company that consistently demonstrates credibility and integrity as well as being familiar with the latest industry information.

Knowing your rights and responsibilities contained in your insurance policy is critical. Did you know your policy provides an appeals process if you are unsatisfied with your claim settlement? We know how to use these processes to your benefit. Our experience in these matters means you receive more money for your loss.

Why you should always use a Public Adjuster
The Public Adjuster
Consider the following scenario. You find yourself party to a lawsuit where you stand to win a large cash settlement. Instead of hiring an attorney to represent you, you agree to use the other party’s attorney to determine your award. Under these conditions do you think you would receive a favorable settlement? Not likely. Negotiating your claim without a Public Adjuster is similar to allowing your opponent to dictate your settlement in a lawsuit. In this scenario you have no representation.

Avoiding Claim Denial
Correctly interpreting the provisions of your insurance policy can mean the difference between a favorable cash settlement and a complete denial of your claim. Mishandling your claim can cost you tens of thousands of dollars or more. Capital Public Adjusting is familiar with your responsibilities under the policy. The best way to handle your claim is to call us immediately after you experience a loss.

The Insurance Company Adjuster
The insurance company trains and pays their adjusters to protect the insurance company’s assets and interests. They also teach them how to settle and deny claims. The adjuster generally does the best that s/he can to settle your claim while working within the parameters dictated by the insurance company. Damage perceived as questionable will usually result in non-payment. Most adjusters will act conservatively rather than pay for damage that may be questioned later. Our view of the loss is not restricted. Our highly trained adjusters and licensed experts see the loss 100% from your prospective.

Contractors
Any licensed contractor can provide an estimate for repair however, contractors may be more concerned with providing a competitive bid than getting you everything you are entitled to from the insurance company. Many contractors are unaware of the proper repair protocol and may fail to provide proper representation resulting in an inadequate cash settlement. Experienced insurance restoration contractors often refer us to work with their clients.

Assessing the Damage
It is easy for a busy adjuster to overlook damage that is hidden or less obvious. Under certain circumstances, the insurance company will decide what the adjuster can and cannot pay for and set price limits on items they do pay for. Sometimes the insurance company adjuster will fail to pay for removal or replacement of undamaged property necessary to access property that is damaged. Accurately identifying damage and understanding repair protocol can mean tens of thousands of dollars or more to you. Remember, the insurance company adjuster is paid to protect and represent the interests of the insurance company.
Who is protecting and representing you?