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Public Adjusters FAQ

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Maximizing your insurance claim

Insurance Claim Adjusters FAQ

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Please contact us. We’re here to answer all your questions.

What exactly is a public adjuster?

A public adjuster is licensed by a particular U.S. state and hired by the policyholder to negotiate and settle an insurance claim on behalf of the policyholder.

A public adjuster does not work for the insurance company. Instead, they assist you, the insured, in preparing, filing, and negotiating a claim.

Moreover, a public adjuster acts as a strong advocate for the policyholder, and will attempt to get a successful settlement on his or her behalf.

How is a public adjuster compensated?

A public adjuster’s compensation is a small percentage of your settlement from the insurance company. There is no out of pocket expense on the part of the insured.

Rest assured that a public adjuster’s interests are aligned with your interests as a policyholder. If there is no recovery, there is no fee payable to the public adjuster.

Will I get the same results if I work directly with the insurance company's adjuster?

Definitely not.

Insurance company adjusters are trained to minimize your loss. They have a financial responsibility to the insurance company, not the policyholder.

A public adjuster’s interests, in turn, are aligned with your interests as the policyholder.  Public adjusters get compensated only if you do.

Will my insurance policy be cancelled if I hire a public adjuster?

No. The public adjusting profession is mandated by the state legislation and regulated by a state’s office or department of insurance.

It would be a serious violation if any insurance company discriminates against a policyholder in any way.

How can Coconut Grove Claim Adjusters help me?

The claims process is tedious, time-consuming, and often, aggravating. Dealing with insurance companies can be cumbersome to say the least. 

We have the knowledge and experience to comprehend the policy, prepare the necessary documentation, negotiate the loss, and ultimately, get you a significant settlement.

When should I contact Coconut Grove Claim Adjusters?

Immediately after you suffer a loss. It’s to your advantage for us to be involved early in the process to increase the chances of a maximum recovery.

I already received a payment for my claim from my insurance company but it isn't enough. Is it too late to re-open the claim?

No. We can re-open your file and start negotiating with the insurance company immediately.

My claim was denied. Do I have any recourse against the insurance company?

Yes. Many claims are wrongly denied by insurance companies.

Denied claims are a strong reason to hire a public adjuster. We will contact your insurance company and take the best course of action to reinstate your claim and maximize your recovery.