FREQUENTLY ASKED QUESTIONS

Q. What is a public adjuster?
A. A professional who is licensed by the State of Florida to represent YOU, the insured, on your insurance claim.

Q. Why should I hire a public adjuster?
A. The insurance company adjuster is paid by the insurance company to protect their interests and follow their claims handling guidelines. Their job is to agree settlement for as little as possible in accordance with those guidelines. The less they pay, the bigger the profit for the insurance company. Some insurance companies pay bonuses to their employees. You need someone who will represent YOU and look out for YOUR best interest.

Q. Can I expect a higher settlement?
A. Government reports show 747% higher settlements when Public Adjusters are retained. Read the OPPAGA report (PDF)

Q. What kind of claims do you handle?
A. We handle all Property Damage claims including: Collapse, Fire, Flood, Hail, Hurricane, Lightning, Mold, Sinkhole, Theft, Tornado, Vandalism, Water, Wind, Business Loss of Income and Extra Expense, as well as many others. So give us a call for a FREE consultation.

Q. What if my claim has been denied?
A. The adjuster or insurance company may show you in the policy or quote policy language stating why your claim is not covered, but that does not mean they are correct. Many of our clients originally had their claims denied until we were retained to represent them. We will review your claim and if we believe your claim is covered, we will fight for you as we have for so many others, successfully.

Q. What if my claim has already been settled? Can it be reopened?
A. Yes, in most cases. We are able to reopen a claim up to five years from the date of loss!

Q. Why should I choose Insurance Recovery Professionals?
A. Our sole function is to act on your behalf to make sure that you obtain every advantage and entitlement from your insurance. As your own personal adjuster, we work solely for your benefit. Your recovery is greatly increased by our knowledge, experience, and the claim being expertly prepared and presented. Our knowledge of what the policy covers and, most importantly, what is contained in the small print is essential.

Our qualified personnel have extensive backgrounds in the insurance industry. As a result, we achieve the maximum settlement for you. All necessary meetings with insurers' representatives are arranged by us. We compile all documentation, estimates, and other data required to present the claim. You have the final say on amounts submitted and accepted from the insurer.

Q. How do you get paid?
A. We work on a percentage of the amount of recovery and we do not get paid until you do. Over 95% of our business is from referrals. Our clients have been so pleased with their recovery even after paying our fee, that they recommend us to their family and friends.

Testimonials from Residential Owners and Commercial Clients

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