A Public Adjuster is an insurance claims professional. We operate on a code of ethics to place our clients interests before our own. We are heavily regulated and governed by the Florida insurance commissioner. We go through thorough back ground and criminal checks. We are required to furnish five copies of approved finger prints taken by local law enforcement. Background searches on an public insurance adjusters applicant consist of criminal convictions, warrants, garnishments like child support, tax rearrange, and credit worthiness. A Florida public adjuster applicant must serve as an apprentice under an active, good standing public adjuster for a year before qualifying to sit for a state competency exam. Public adjusters must purchase a special insurance policy to protect the public in the event his work causes harm to a loss victim. Public adjusters are then required to take annual continued education courses to stay current on laws and claim handling advances.
A public adjuster is issued a designated license that is different than the one required by law for those who work for insurance companies. The public adjuster’s license restricts him to only represent and work on behave of policy holders, claimants, and loss victims. Like any industry there are bad seeds, and this industry is no different. Check with the state insurance commissioner, and ask for references to get a better idea of who you are considering. Be cautious about malicious attacks made by insurance companies on good public adjusters who threaten insurance companies because of the higher pay outs associated with quality services. Insurance adjusters who work for insurance companies are legal representatives of your insurer and not you. They are trained by their perspective employer, your insurance company. They are expected to protect their interests, and are looking for reasons not to pay. Insurance claims have a lot of money at stake. The stake is high when all a person owns and controls is dangling by an insurance policy. Because insurance companies are a for profit business they make money when you pay claims, and lose money when paying out on claim.
The insurance policy always puts the burden of making and assembling a claim on the claimant or policy holder. Policyholders are in a contract that sets certain terms and conditions in order to experience it’s full benefit. At the end of the day handling a claim is like a chess game. Each document triggers certain potential moves. Each player has its own advantages, but in large part based on a process involving good investigation, proficient documentation, and research. Each players intricate knowledge of insurance policy interpretation, court established case precedent, state insurance statues, and state laws determine the claim recovery as well as overall claim experience. Your insurance company has made a daily living for decades strictly handling insurance claims. The less you understand about insurance claims and policies the least amount of money your claim will be paid. Our public adjusters have dedicated their career life perfecting their craft. Change the dynamic so it is in your favor; Increasing your property claim amounts in all coverages you qualify for. We are result driven with a stellar reputation amongst our clients we serve and represent. We gain the respect of honorable, independent staff and desk adjusters when we run into them. We offer pre-loss contracts in hopes of preparing insurance consumers for the worst while hoping for the best. A claim manual called, “The Road To Recovery Starts Here” was authored by our owner who happens to be a public insurance adjuster amongst other disciplines acquired by Nader Anthony Odeh over his lifetime. To get the free publication go to CCCRECOVERY.COM/BOOK. Nothing can replace a true claim professional when you are forced to deal with a insurance company or a property claim. The idea of insurance is so ingrained in the world we live in, and an average insurance consumer stands no chance of a fair or full recovery without professional insurance claim help. We always investigate a claim before taking it on. We only get paid when, and if there’s a recovery. It’s important to all of us that your long term claim history is considered, and that only valid, viable claims are being made on your behave. If you’re dealing with a insurable loss now, or have had one over the last five years in Florida, you, can reopen the claim. This is true even if you switched insurance companies, made repairs, and cashed insurance checks. What we have to say and offer can only help. The more educated you become, the better decisions you’ll make. Don’t risk damaging your claim by fumbling through it. We will establish a recovery plan custom fit for your losses. We put you back in control, best of all we can be trusted.