Public Adjuster: You are the only Adjuster specifically authorized by the State of Florida to represent you, the Insured. The primary responsibility of the Public Appraiser is to protect you and your interests in claims against a loss to the Insurance Company. Florida allows claims adjusters to become licensed public appraisers. In theory, these people act as agents for the insured.
They negotiate on your behalf in exchange for a fee or a percentage of the recovery. As a general rule, it is much more advisable for policyholders to seek the advice of an attorney. Experienced attorneys understand legal challenges, when bad faith lawsuits can be filed, how to better document and value damages, and court proceedings. Call Florida Public Adjusting and perform a full inspection and evaluation of all damages at no cost.
Our public appraisers are fluent in the language of residential and commercial insurance policies, and we understand what your insurance company actually covers. Contact a Tutwiler %26 Associates public appraiser if you have any questions or would like a free consultation about a property insurance claim. The Miami Herald cited an audit recently conducted by the Florida Legislature in which it was determined that it is clearly in the policyholder's interest to hire a public appraiser to represent them during the claims process. Public insurance adjusters were created by their respective states to help level the playing field with the insurance company and provide the policyholder with an expert advocate.
The goal of a Florida public adjuster is to ensure that the insurance company complies with insurance policy obligations and adequately compensates the policyholder for their loss. Public appraisers are defined as any person, other than an attorney, who, in exchange for money, commission, or anything else of value, prepares, completes, or files an insurance claim form for an insured person. Your insurance company will send an adjuster to represent them, making sure you have an adjuster to represent you. Public appraisers cannot charge fees for claims payments made before the date they sign a contract with you.
The Florida Department of Financial Services licenses and recognizes Florida's public appraisers to help Floridians with their damage insurance claims. Applicants must submit their Florida public appraiser applications through the Department of Financial Services' Licensing Office online portal.