In need of assistance for your public claim settlement process? Please schedule a free consultation with our team today to discuss your options.
At Top Flight 1 Public Adjusting Services, our goal is to provide our clients with the valuable guidance and information needed to receive fair and just compensation for a loss covered by insurance. We understand the stress and trauma that comes from damage or the destruction of your home, business, or other assets due to a natural disaster, theft, vandalism, or another unfortunate covered event. In the face of this upsetting situation, you are forced to work through a process that many Floridians are unfamiliar with and unprepared to navigate. Yet, it is one that could decide the fate of your future. Our job is to provide an honest and unbiased assessment of the damage and inform you of your rights under Florida law to negotiate a fair settlement or even reopen a claim if there was an oversight on the part of the insurance company when settling your claim. Call 866-686-1108 to speak to a licensed expert regarding your claim. Our company is locally owned and operated, with offices throughout Florida.
Typically, a public adjuster is only paid once you have accepted a final settlement from your insurance company. The fee is limited to no more than 20% of the claim paid to you. However, that rate can be dropped to 10% if the Governor’s office has declared a state of emergency.
A public adjuster is very beneficial for insureds working on a larger, more complex claim or who have found their insurer to be adversarial. Insurance jargon can be complicated and challenging for consumers to understand. Having a public adjuster assures you that you have a licensed insurance pro working on behalf of your best interests.
In Florida, all public adjusters must be licensed and follow the rules and guidelines once operating as a public adjuster.
Any time during the claim, you can contact a public adjuster to work with you on your insurance claim. If the contact is within 24 hours of the loss, the adjuster will help you submit your claim after assessing the damage to your property. The claim submission also includes a request for all communication from your insurance company to be directed to your adjuster, who then discusses it with you.
An insurance adjuster works for the insurance company and its best interests. A public adjuster works for you and seeks to protect your best interests.
Insureds should hire a public adjuster if they feel unable to complete the claim process independently or when they believe that a claim offer is not fair and adequate compensation for their loss.
Honesty, integrity, and dedication are all essential qualities for a successful public adjuster. All public adjusters must be licensed and have passed state-mandated testing. However, only those with a genuine desire to help their clients will provide the diligent service needed to ensure that you receive the full compensation you deserve for your insured loss.
Public adjusters work solely on insurance claims, while attorneys have a broader focus. Under Florida law, your public adjuster is limited to a maximum payment of 20% of your claim. However, an attorney is not held to that limit and can cost you up to 40% of your claim for the same services provided by a public adjuster.
As a locally owned and operated company, Top Flight 1 is proud to help community members receive the fair compensation they deserve for the insurance they have paid for throughout the years. Our job is to simplify the process for you and ensure that the insurance company meets its contractual obligation to you as its client.