We're Clearing Up 7 Myths About Public Adjusters

We're Clearing Up 7 Myths About Public Adjusters

When filing a claim after a disaster, you must consider several things. Between finding temporary housing, dealing with insurance companies, and getting your life back on track, you have a lot on your mind. It's easy to understand why some myths about public adjusters might take hold.

We'll explore some of the most common misconceptions about these professionals and clear them up.

Functions of Public Adjusters

Property owners hire public adjusters to help them navigate the claims process after a disaster. These pros are experts in insurance policies and procedures and work on behalf of the policyholder to ensure they receive a fair settlement.

Common Myths About Public Adjusters

What are the biggest myths about public adjusters? Here are a few that might be familiar to you:

Myth 1: It’s Expensive to Work with Public Adjusters

Most public adjusters work on a contingency basis. This means they get paid only if and when the policyholder receives a settlement. If there's no settlement, the public adjuster doesn't get paid.

Myth 2: Public Adjusters Are Only for Big Claims

While public adjusters can certainly help with large claims, they can also be helpful in smaller claims when the insurance company offers a low settlement. In these cases, public adjusters can help negotiate a fair settlement.

Myth 3: Public Adjusters Are Only for Commercial Properties

Public adjusters can help commercial and residential property owners with their claims.

Myth 4: Public Adjusters Aren’t Licensed

All public adjusters in Florida must have a license through the Department of Financial Services.

Myth 5: You Don't Need a Public Adjuster If You Have a Good Insurance Agent

While your insurance agent can be a valuable resource, they work for the insurance company, not you. On the contrary, a public adjuster works on your behalf to ensure you receive a fair settlement.

Myth 6: You Can't Use a Public Adjuster If You Have a Government Job

No restriction exists on who can use a public adjuster, regardless of occupation.

Myth 7: All Public Adjusters Are the Same

Like any other profession, there are great public adjusters and bad ones. With the right research and questions, you’ll find the right team for your unique needs!

It may seem like there's a lot of confusion when hiring a public adjuster, but clearing up these myths will help you make the best decision for your claim. Hiring a qualified and experienced public adjuster is the best way to ensure you receive a fair settlement from your insurance company.

Qualities of a Good Public Adjuster

When you need a public adjuster in Florida, there are a few qualities you should look for:


As we mentioned above, all public adjusters in Florida must be licensed. You can verify a public adjuster's license by searching for their name on the Department of Financial Services website.


When it comes to something as pressing and sensitive as your claim, you want to ensure you're working with a public adjuster with experience handling claims like yours.


It's important to find an adjuster who is clear and concise in their communication. You should feel confident that they understand your claim and are working on getting you the best possible settlement.

Hiring Public Adjusters

Hiring a public adjuster for your Florida property is a big decision. When you're ready to take the next step, contact a professional public adjuster for a free inspection and consultation.

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