From inspection to settlement - we take CARE of everything for you!
Watch our video to learn more.
We only get paid if you get paid!
Florida's Top Public Adjusters, staffed with skilled Florida claims adjusters, work on your behalf, on your schedule, and help you MAXIMIZE your Claims with minimum hassle.
CLAIM TYPES
CARE’s Public Adjusters specialize in
Roof Damage Claims
Florida is no stranger to storms, and Roof Damage claims rank among the most frequent types of homeowners' claims in the state. CARE Public Adjusters help you at every step and make Roof Damage Claims simple, easy and fast for the policyholders.
Flood Damage Claims
Floods poses a high risk of property damage for homes and businesses throughout Florida. Reach out to CARE Public Adjusters and we'll help you navigate through your Flood Damage Claims process.
Hurricane Damage Claims
If your home or business was impacted by the damaging winds, or flooding caused by a hurricane, call us immediately. CARE Public Adjusters can help you get the money you need to rebuild.
Fire Damage Claims
In case of Fire Damage, CARE Public Adjusters are here to help you deal with your insurance carrier and their representatives when it comes to documenting all your personal property and arranging another place to reside if necessary.
Sinkhole Damage Claims
Problems of sinkholes appearing in Florida have been surfacing lately. Although Central Florida is commonly referred to as ``sinkhole valley`` we see a fair share of sinkholes appearing in South Florida as well. CARE Public Adjusters are here to help you maximize your claims for damages caused to your property due to Sinkholes.
Water & Mold Damage Claims
When it comes to water and mold damage, you want to be in professional hands. At CARE Public Adjusters we help you make sure the job is getting done and your insurance company is fulfilling all obligations. You are our first priority and a safe and healthy environment is what you can expect.
Wind & Hail Damage Claims
High speed damaging winds & hailstorms have been identified as a high-priority risk that has caused billions of dollars of damage annually, in Florida alone. CARE Public Adjusters make the process super easy for the policyholders and help maximize their claims for Wind & Hail Damage.
Thousands of
Recoveries Made Across the state of Florida.
Get in touch & find out what you're owed!
Frequently Asked Questions
We have listed some frequently asked questions below to help you understand CARE Public Adjusters better.
1. What is a Public adjuster?
A Public Adjuster is a professional who helps you with insurance claims. When you have damage to your property, like from a fire or a storm, Public Adjuster works for you, not the insurance company. They assess the damage, make a detailed claim, and negotiate with the insurance company on your behalf to get you the best settlement. They’re like your advocate to make sure you’re treated fairly and get the money you rightfully deserve.
- Guiding the complex claims process, CARE Public Adjuster averts potential issues.
- Holding a professional license, Public Adjusters are experts at interpreting insurance policies.
- CARE Public Adjusters exclusively serve commercial and residential policyholders, NOT the insurance company.
- Negotiating for a maximum settlement, our Public Adjusters secure sufficient funds for pre-loss restoration.
- A Public Adjuster is NOT a contractor, nor do they perform the work. No ‘Assignment of Benefits’ is signed. Policyholder retains control of how to allocate the funds.
2. Why do I need a public adjuster?
You need a Public Adjuster to make sure that you get a fair insurance settlement. Public Adjusters are experts in assessing and documenting property damage, which can be a complex process.
Insurance companies might try to pay you less than you deserve. A Public Adjuster fights for your rights, helps navigate the claims process, and negotiates on your behalf. They aim to maximize your payout so you can properly repair or replace what’s damaged. Having a Public Adjuster increases your chances of getting the best possible outcome from your insurance claim.
Upon filing an insurance claim, the insurer dispatches an adjuster to assess the loss, advocating for the company’s benefit.
CARE Public Adjusters, on the other hand, prioritizes your welfare. We balance the equation, advocating on your behalf, not the insurer’s. Our adjusters adeptly compile, submit, and engage in negotiations to secure the highest possible settlement for your claim.
Similar to an accountant for taxes or an attorney for lawsuits, a Public Adjuster plays a pivotal role in insurance claims. Their expertise guarantees optimal representation, enhancing the likelihood of a positive resolution.
3. Our Services
From property inspection to settlement, CARE Public Adjusters take care of everything for you.
- Provide a comprehensive assessment of repair or reconstruction needs for your residence.
- Assist in understanding policy coverage and adhering to insurance policy deadlines.
- Thoroughly evaluate all affected belongings, assembling forensic evidence for your claim.
- Generate necessary paperwork for claims related to business interruption, loss of use, and extra living costs.
- Enlist engineers, construction, and financial experts to bolster your claim.
- Manage inspections, liaising with contractors and insurer’s adjusters.
- Represent you in meetings with your insurance company to ensure an equitable and just settlement.
4. Filed a claim and got denied or underpaid?
We have the capability to revisit past claims, whether for residential or commercial properties, even those declined or underpaid. If you, as the property owner, initiated a claim independently, it’s possible you weren’t entirely compensated for all damages. Reach out to C.A.R.E. public adjusters for a free claim evaluation and property assessment.
5. Should I hire a Public adjuster or should I submit my own claim?
As per a report from The Office of Program Policy Analysis and Government Accountability (OPPAGA), policyholders who had Public Adjuster representation generally obtained more substantial settlements compared to those without. The study illustrates a case where the average compensation for Florida hurricane claims in 2005 was 747% higher when a public adjuster was engaged. While you could handle your property insurance claim on your own, you might face a notable disadvantage due to your unfamiliarity with the rules, procedures, deadlines, and coverage details in your policy. Think of it as going to trial without legal representation.
6. How Long will my settlement take?
Each Insurance Carrier follows unique Claims Handling Protocols, and there’s no one-size-fits-all approach to resolving claims. Generally, claims are typically resolved within 60 to 120 days, with an average of 90 days, unless the carrier strongly resists.
7. Can a public adjuster charge an upfront fee for his work?
At CARE Public Adjusters, the inspection is free with no up front fees. We not only help you with your insurance claim but also help you process your check into cash.
8. Is it true that I should fix everything in my house before the insurance company comes and just give them pictures?
No, there’s no obligation to repair anything immediately. The sole requirement is to prevent further damage.
For instance, if you have a leaking pipe, you must halt the flooding. All other issues will be documented with photos and a custom estimate
8
9. I've already received an insurance check, but I believe it's insufficient to cover my damages. What can I do in this situation?
Many individuals are unfamiliar with the insurance claim process, lacking knowledge about managing payments and finding the right contacts. Often, insurance companies test the waters with an initial check to assess reactions.
In this case, we step in and advocate for your case. The difference you’ll witness will be remarkable when CARE Public Adjusters represent you and handle your claim with the insurance company.