WHAT WE DO FOR YOU ONCE YOU RETAIN OUR SERVICES

When a policyholder contacts The Florida Public Adjusters aka A-1 Adjusters Associates, we request a copy of the insurance policy. In most cases the insured has only a copy of the declaration sheet. Our experts investigate the property damage and advise the owner to file a claim if such damage merits filing a claim.  

All named insureds in the policy must sign the representation agreement with the public adjuster. In case that one of the insureds is not available, the other policyholder must present an affidavit declaring capacity to sign the agreement in place of the insured who is not available.

When filing the claim, the firm sends a copy of the agreement to the insurer requesting a certified copy of the insurance policy. Once we receive such document, we analyze the full extent of the policy including Issuance and expiration dates within the date of loss, Coverage, Deductibles, Exclusions, Limitations, Duties, and all other clauses of the insurance policy.

We advise the insured about duties, including the importance of mitigating the loss to prevent further damage to the property. Such responsibility as hiring plumbers, or air conditioner technicians, or drying the property which are explicit in the insurance policy.. When contents or personal property has been compromised by a covered peril, we assist the policyholder by taking a complete inventory of damages evaluating the cost of replacing such damaged items.

Evidence is primordial for reaching a successful settlement. Therefore, detailed photographs and/or videos are necessary. Our expert public adjusters are professionals in gathering such evidential proofs. When there is roof damage, drone footage is an option. 

The Florida Public Adjusters aka A-1 Adjusters Associates is the liaison between the carrier and the insured. We coordinate with the insurer’s adjuster and the policyholder the date for an inspection when both parties should agree on the scope of damages.

Our firm uses state of the art software to calculate the cost of building repairs. The resulting report is the basis for filling out the Sworn Statement in Proof of Loss for further negotiation with the insurer. Some of the carriers demand a Sworn Statement in Proof of Loss at the onset. Others demand such document later. Either way, we advise the policyholder to opt by submitting a Sworn Statement in Proof of Loss with our repairs estimate.

In Homeowners policies, if the property in unhabitable the insured may move out to a hotel, apartment, or similar dwelling. We assist the policyholder to fill the reports for lodging, food, and other necessary expenditures that come about due to such claim. In Commercial policies, Business Interruption may be triggered due to loss of income, extra repairs expenses, and so on. We assist the commercial policyholder to process such reports. 

The insurance companies take their time to analyze, investigate and process claims. We keep them on their toes making sure that they respond to our queries for status and speeding resolution of claims.

As soon as we receive the insurer’s estimate, we begin negotiating and substantiate our demand with solid proof such as experts’ validation, invoices, receipts, and so on.

In cases when the insurer demands Mediation, Appraisal or Arbitration as per the terms of the insurance policy, The Florida Public Adjusters aka A-1 Adjusters Associates assist the insured with such procedures.

We work tirelessly until we reach a satisfactory outcome favorable to our clients. A fair compensation is the reason why our professionals gain the praise of former clients who are our source of further referrals to their families, friends, and associates. We would like to count you among our satisfied customers.