Need To Know

Commonly Asked Questions About Public Adjusting Answered!

Frequently Asked Questions
About Public Adjusting

Sentry Public Adjusting has many years of experience helping property owners across South Florida get the most value out of their insurance claims. Whether you’re dealing with a mold damage issue, are frustrated and have recently been denied your insurance claim, or are picking up the pieces after a hurricane, Sentry Public Adjusting is here to make sure you’re protected.

Our public adjusting services can begin immediately by scheduling a FREE in-home inspection; there is no upfront cost to you. Whatever type of property damage claim you’re facing, Sentry Public Adjusters will fight tooth and nail to make sure you get what you deserve-NOT what the insurance company thinks you should get!

Dealing with a property damage claim can be difficult and you may have questions about the insurance claims process. Most people don’t fully understand how our public adjusting services work or have specific questions about public adjusting fees and procedures. We’ve compiled a list of frequently asked questions related to public adjusting as well as our services. If you have further questions that aren’t addressed here or would like to ask us a question specific to your situation, please reach out. We’re standing by and ready to assist.

Why Hire a Public Adjuster ?

The most simplified way of understanding how insurance companies work is as follows: insurance companies have to collect more in policy premiums than what they will have to pay out during any given time period in order to remain profitable and in business. Therefore, insurance companies do everything in their power to make sure that they can minimize the amount they have to pay out in each claim. This fact is especially accurate when it comes to widespread catastrophic events like hurricanes, storms, and tornadoes.

When you submit a claim, the insurance company will send either a contract insurance adjuster or their own adjuster to conduct an appraisal on behalf of the insurance company. This appraisal then becomes the basis for how the insurance company will pay your claim. The insurance adjuster is NOT on your side! This person’s job is to make sure that the damage is repaired at the lowest cost possible to the insurance companies.

Public Adjusters, like Sentry Public Adjusting, work for you. Public adjusters are the only property damage professionals who work exclusively for the insurance policy holders and NOT for the insurance companies.

Florida Public Adjusters have very strict licensing, certification, and continuing education standards that are set by the State of Florida. With Sentry Public Adjusting, you can rest assured that you’re getting an experienced and licensed professional. At Sentry Public Adjusting, we only hire the best public insurance adjusting professionals in the South Florida area.

Not having a public insurance adjuster on your side means you’re letting the insurance company set the terms and you’ll have to negotiate from their position. Don’t let this be the case! Call Sentry Public Adjusting now and make sure you have someone working on your behalf.

There are two very simple facts that should convince you that the ONLY way to file a property damage insurance claim is with a public adjuster:

  • Homeowners who are represented by public adjusters on average receive 700% more money per claim than those who are not. ( See the OPPAGA Report)
  • Policy Holders & homeowners routinely settle for lower insurance claims because of a lack of experience & knowledge with construction costs, lack of familiarity with the insurance process, and not being able to dedicate themselves full time to the insurance claims process.

What’s The Difference Between A
Public Adjuster & An Insurance Adjuster?

While both public adjusters and insurance adjusters offer insurance appraisals and will evaluate property damage claims, the similarity stops there. The primary difference between the two roles is that the Insurance Adjuster works on behalf of the insurance company and a public adjuster works on behalf of you.

Insurance adjusters either work full time for the insurance companies, or they are contracted for a specific claim, region, or instance where the insurance company has a higher volume of claims than they can handle. Bottom line is that insurance adjusters work for insurance companies – NOT YOU. Their goal is to cover the damage from your claim as cheaply as possible. Public Adjusters, on the other hand, work for you.

The public insurance adjuster represents YOUR interests against the insurance company and offers you the opportunity to have an expert on your side.

When the insurance adjuster comes back with a lowball appraisal, your public adjuster at Sentry Public Adjusting will counter with a vigorous, in-depth, and detailed appraisal that more accurately assesses the damage and makes sure you get the maximum amount needed to cover the damage.

Pros & Cons Of Hiring A Public Adjusting Firm

The advantages of hiring a public adjuster versus handling your property insurance claim on your own are well-established facts. When you hire a public adjuster you can expect:

  • Public Adjusters usually get clients more than 700% more money on claims than those submitted without their help
  • A public adjuster handles your claim from beginning to end. This helps remove the stress, headache, and hassle of dealing with the insurance company.
  • You only pay a public adjuster when and if the insurance company pays your claim and there are NO COSTS to getting started with Sentry Public Adjusting.
  • You have an expert on your side who has experience that you can’t possibly have. Public Adjusters are well versed in insurance policies, laws surrounding property damage, construction costs, timeframes involved with settling claims, etc.

Much like anything else in life, in addition to all the pros there a few minor cons to consider before hiring a public adjuster. Some of the drawbacks involved with using a public adjusting service can be:

  • Claims that are being handled by a public adjuster are far more detailed and involved (when prepared by the public adjuster). This can occasionally result in longer settlement times, which is reasonable considering the claims are usually much higher in value.