Contact Us Today
FREQUENTLY ASKED QUESTIONS (FAQ)
A public adjuster is a licensed professional who represents policyholders in insurance claims. Unlike the insurance company’s adjuster—who works for the insurer—a public adjuster works for you to ensure you receive the maximum payout for your claim.
You should consider hiring a public adjuster if:
- Your insurance company’s offer is too low
- Your claim is delayed or denied
- You’re unsure how to document and file your claim properly
- You have extensive property damage and need expert negotiation
Hiring a public adjuster can significantly increase your payout and remove the stress of dealing with your insurance company.
No, public adjusters typically work on a contingency fee basis, meaning they only get paid if you do. Their fee is usually a small percentage (typically 10%–20%) of the final settlement amount.
This means you pay nothing upfront, and since public adjusters often help homeowners secure larger settlements, their services can pay for themselves by getting you more than the insurer initially offered.
Alternative Dispute Resolution (ADR) is a way to resolve claim disputes without a lawsuit. In Florida, common ADR methods include:
- Mediation – A neutral third party helps negotiate a settlement.
- Appraisal – Independent appraisers assess the claim value.
- Arbitration – A binding decision made by a neutral arbitrator.
If your insurance company is lowballing or denying your claim, ADR can be an effective way to fight back. Miami Claim Pros will guide you through the process to get the best possible payout.
Claim timelines vary based on damage severity and insurance company response times:
- Standard claims: A few weeks
- Major damage or disputes: Several months
- Denied or underpaid claims: Varies depending on negotiations
At Miami Claim Pros, we know Miami insurers’ tactics and work to speed up your claim while ensuring you get every dollar you’re owed.
We handle a wide range of insurance claims for Miami homeowners and businesses, including:
- Hurricane and storm damage, such as roof leaks, flooding, and wind damage
- Fire and smoke damage
- Water damage and mold claims
- Roof damage and leaks
- Business interruption claims
No, it is illegal for an insurance company to cancel your policy simply because you hired a public adjuster.
Florida law protects policyholders who seek professional representation. Hiring a public adjuster ensures you have an advocate on your side to secure a fair settlement without fear of retaliation.
If your claim was denied, you still have options. Many insurance companies unfairly reject claims, assuming homeowners will accept their decision without challenge.
We can:
- Reopen denied claims
- Challenge settlements that are too low
- Negotiate with the insurance company to secure a higher payout