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Jacksonville, FL 32210


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Are public insurance adjusters connected with insurance companies?
No.  They are employed exclusively by you, the policyholder, not by an insurance company.

Do public insurance adjusters sell insurance or act as insurance agents?
No.  If they were to do so, they would become a representative of the insurance company and they would not represent you exclusively and independently.

Can I prepare my own claim?
Yes, but unless you thoroughly understand your insurance policy's coverage and exceptions you risk the chance of not fully recovering everything that is due under the policy's provisions.

Why do I need help to file an insurance claim?
A typical insurance policy contains hundreds of provisions, stipulations, exclusions, conditions, riders, and requirements.  Most people don't understand these; more importantly, most people don't realize that the burden of proof is on them, the policyholder.  Most insurance company representatives prefer to work with an experienced professional public insurance adjuster rather than an inexperienced insured.

Why should I hire a public insurance adjuster to obtain what is rightfully mine?
Insurance companies offer to pay what is due as they see it.  They suggest how they want to settle, based on what you know to ask and how you ask it.  Public insurance adjusters are your exclusive representatives.  With their experience and knowledge, they may be able to secure a more favorable recovery; they will certainly cause a complete review of all possible coverage -- even coverage not initially offered by the insurance company.

How can a public adjuster make the insurance company see things differently?
Strangely enough, even the plainest wording in a policy can sometimes have various interpretations.  Often, clauses are overturned by laws, or even deemed to exist when the policy doesn't mention them.  Generally, the insurance company will still try to enact the defeated clause (or exclusion) because the claimant doesn't know any better.

Will a public insurance adjuster help me receive a more prompt and satisfactory settlement?
Probably yes, especially if they are hired immediately after a loss.  They lose no time in complying with policy requirements to obtain and evaluate the facts and prepare the claim.  This alert and knowledgeable response often preserves evidence that may otherwise be overlooked or destroyed.  The more thorough and complete the claim, the faster the public insurance adjuster can accomplish an equitable and proper settlement in your best interest.


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2006, The O'Meallie Group, Public Adjusting Services

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