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At The Morgan Law Group, our Florida insurance claims attorneys believe that the more our residents know about their rights and options when filing an insurance claim, the more informed decisions they can make about their pursuit of financial recovery for property damage.

The first line of defense in ensuring your home, condo, or business damage is properly examined and estimated to file an insurance claim is knowing the difference between an independent adjuster and a public adjuster.

What is the Property Damage Evaluation Process for Public Adjusters vs. Independent Adjusters in Florida?

There are many differences between an insurance adjuster, also generally known as an independent adjuster, and a public adjuster, but the fundamental difference is the former is paid by the insurance company to assess your damages and estimate your claim, while the latter is hired by — and directly works for you — the insurance policyholder.

When a policyholder suffers damage to their property and opens a claim with the insurance company, a licensed professional will examine your insurance policy and estimate the full scope of property damage.

When the insurance company appoints an adjuster — who typically will introduce themselves as “independent” adjusters to appear impartial — to review your claim, they are working directly for the insurance company, which means they have a vested interest in minimizing your possible payout.

Their job is to provide a settlement that will satisfy your property damage.

However, during the process, they may overlook losses that are not obvious, leading to future expenses that will not be covered by your policy.

The insurance adjuster has a legal obligation to uphold the portion of the coverage under the terms and conditions determined by the adjuster. Unfortunately, he or she will evaluate the language in your policy in a way that benefits their employer: the insurance company.

A licensed, certified public adjuster carefully examines your insurance policy and estimates the full scope of property damage.

Public adjusters initiate an in-depth investigation that includes a truly independent and comprehensive appraisal of property damages that does not focus on the insurance company’s best interests.

How Does The Morgan Law Group Help Florida Policyholders Maximize Their Property Damage Claims?

Property damage is often accompanied by the stress of not knowing exactly what your insurance company will cover.

At The Morgan Law Group, our insurance claims attorneys are advocates for our clients and use our experience and skill to:

  • Review your insurance policy and supporting claim to ensure they align
  • Investigate your damages to determine the accurate value of your losses
  • Negotiate the highest possible settlement with insurers
  • Litigate your claim when negotiations are unsuccessful
  • Protect your rights and hold the insurance company accountable when they are acting in bad faith

If you have suffered property damage to your home, condo, or business, and would like to learn more about your right to appoint a public adjuster to review the damage, contact our experienced Florida insurance claims attorneys at The Morgan Law Group, P.A. today at (305) 569-9900 for help. You have choices when pursuing the maximum amount for your property damage and we can help you understand your options.