Question 1

What is a public adjuster?

Accepted Answer

A public adjuster is a licensed insurance professional who represents the policyholder — not the insurance company — during the property damage claims process. They inspect damage, prepare detailed documentation, and negotiate with your insurer to secure the highest possible settlement.

Question 2

Why should I hire a public adjuster instead of handling the claim myself?

Accepted Answer

Insurance policies are complex legal documents, and insurance companies have teams of adjusters working to minimize payouts. A public adjuster levels the playing field by bringing expert knowledge of policy language, damage assessment, and negotiation tactics. Statistics show policyholders with public adjusters receive significantly higher settlements.

Question 3

Are public adjusters licensed?

Accepted Answer

Yes, public adjusters must be licensed by each state in which they operate. Secure Claims holds active licenses in Florida, Texas, California, Colorado, North Carolina, and South Carolina.

Question 4

What is the difference between a public adjuster and a contractor?

Accepted Answer

A contractor repairs damage. A public adjuster manages your insurance claim to ensure you receive the maximum settlement to cover those repairs. While contractors estimate repair costs, public adjusters understand insurance policy language and negotiate with insurance companies on your behalf.

Question 5

Can a public adjuster help with any type of insurance claim?

Accepted Answer

Public adjusters primarily handle property damage claims including hurricane damage, water damage, fire damage, mold damage, roof leaks, and more. We do not handle health, auto, or life insurance claims.

Frequently Asked Questions About Public Adjusting

General Questions

Claims Process

Costs & Fees

Insurance & Settlements

Florida-Specific Questions

Still Have Questions?

Frequently Asked Questions About Public Adjusting

General Questions

What is a public adjuster?

Why should I hire a public adjuster instead of handling the claim myself?

Are public adjusters licensed?

What is the difference between a public adjuster and a contractor?

Can a public adjuster help with any type of insurance claim?

Claims Process

What is the claims process with Secure Claims?

How long does the claims process take?

What happens if my insurance company denies my claim?

Do I need to be present during the property inspection?

Will my insurance company communicate with you directly?

Costs & Fees

How much does Secure Claims charge?

Are there any hidden fees or upfront costs?

Is hiring a public adjuster worth the cost?

Do I pay out of my settlement or out of pocket?

Insurance & Settlements

Will hiring a public adjuster affect my insurance rates?

Can my insurance company refuse to work with a public adjuster?

What if my insurance company already made an offer?

What is supplemental claim filing?

What does 'bad faith' insurance mean?

Florida-Specific Questions

What is the hurricane deductible in Florida?

How long do I have to file a hurricane claim in Florida?

Does Florida law protect policyholders from bad faith insurance practices?

What is the Assignment of Benefits (AOB) in Florida?

Are public adjusters regulated in Florida?

Still Have Questions?