Darryl Davis Associates Public Adjuster
Do You Need a Public Insurance Adjuster in Florida?
If so, DDavis Associates can help. As a Florida public adjusting firm, our insurance adjusters work for you, the policyholder living in Florida. Many public insurance adjusters previously worked for insurance companies where they learned the ins and outs of insurance adjusting. These same skills are now put to good use, serving the policyholders instead of the insurance companies.
Our public insurance adjusters are licensed in the state of Florida. Our mission? To help you and the insurance company come to a fair settlement. The terms “public insurance adjuster” and “private insurance adjuster” often confuse policyholders. To help you better understand the difference, think of it this way: A public adjuster represents you, the public, while a private adjuster represents the private insurance company.
In Florida, property loss is a fact of life. Hurricanes, wildfires, tornados, flooding, and other catastrophes regular batter the state causing huge amounts of damage and loads of insurance claims in the aftermath. Insurance company adjusters may seem rushed or they may not spend sufficient amounts of time to uncover the true extent of your losses. By hiring a public insurance adjuster, you can make sure that all damage is discovered, documented, and estimated. Not only that, a public insurance adjusting company presents its own findings to your insurance company and works to negotiate a settlement that takes all of your losses into consideration.
Because we are based in Florida, we understand the building codes and costs of the area. When a massive catastrophe inundates our communities, it’s not unusual for insurance companies to send in out-of-state insurance adjusters to keep up with the demand. Unfortunately, while these adjusters may be knowledgeable about the building customs, codes, and costs in their own states, they aren’t necessarily up to speed with those of Florida. This has the potential to lead to unrealistic estimates – and that could cost you dearly!
Public insurance adjusters are recognized and licensed by the Florida Department of Financial Services. We must follow a strict code of ethics and specific guidelines, including how we get paid. In order for a public insurance adjuster in Florida to get paid, the adjuster must be able to obtain a larger settlement offer from your insurance company than you already received. The payment is a percentage of the settlement and paid out of the settlement check. What does this mean to you? You don’t pay anything upfront and you don’t pay if the public insurance adjuster’s work doesn’t lead to a larger settlement.
If your property has suffered a loss or if you are in the path of a pending disaster, contact DDavis Associates for professional public insurance adjusting services.