Premier PA

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What is a
Public Adjuster?

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A public adjuster is a professional claim expert who is licensed, bonded, and tested by the state to advocate for you after property damage. Our team of licensed public adjusters, estimators, and valuation experts ensure:

  • You are treated fairly throughout the process
  • Your claim is processed efficiently without delays
  • You receive a fair and just settlement amount
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Why You Need a Public Adjuster: Your Trusted Advocate

Recovering from an insurance claim is your responsibility, not the insurance company’s. Their adjuster’s role is to protect the company’s financial interests related to your claim. A public adjuster, however, solely represents you. We carefully prepare your claim, focusing on your specific needs and goals.

Public Adjuster vs. Insurance Company Adjuster

Public Adjuster

  • Reviews your policy with you, develops a tailored claims strategy
  • Thoroughly documents and details the damages
  • Prepares and submits the claim on your behalf
  • Negotiates to secure the best possible settlement for you

Services

Advocates entirely for your interests throughout the claims process

Fee

Charged as a small percentage of the final settlement amount obtained for you.

Qualifications

Licensed, bonded, and state-tested by Florida to legally represent policyholders. Maintains accreditation and memberships with reputable organizations like the Better Business Bureau (BBB), Florida Association of Public Insurance Adjusters (FAPIA), National Association of Public Insurance Adjusters (NAPIA), and other relevant Florida-based associations.

Insurance Adjuster

  • Documents damages from the perspective of the insurance company
  • Aims to determine a settlement offer that limits the company's financial exposure

Services

Protects the insurance company’s interests, not the policyholders.

Fee

Paid by the insurance company, creating a potential conflict of interest.

Qualifications

Can vary based on the insurance carrier and other variables.

The key difference

Is that public adjusters solely work for and represent the policyholder’s best interests, while insurance adjusters work for the insurance company’s interests.

The key difference

Is that public adjusters solely work for and represent the policyholder’s best interests, while insurance adjusters work for the insurance company’s interests.