Public adjusters and attorneys are two types of professionals homeowners may need to call upon if they experience wind, water, storm or other types of devastating damage to their property. While homeowners can go it alone when they file their insurance claim, we generally don’t recommend it as insurance companies can be quick to deny the claim entirely or offer a lowball settlement amount.
To receive the rightful claim payout amount you are contractually entitled to, it can be beneficial to enlist the help of public adjusters and attorneys. While both can play significant roles in the claims process, their functions, expertise, and scope of work differ. Here are some key ways public adjusters and insurance law attorneys represent homeowners in Florida.
What is the Role of a Public Adjuster in Florida?
The primary role of a public adjuster is to ensure that the policyholder (you) receives a fair and accurate settlement from your insurance company. Per the Florida Department of Financial Services, public adjusters must be licensed by DFS and their duty is to represent you by adjusting your claim and presenting it to your insurance company. They do this for a fee, which is often on a contingency basis as a percentage of your claim payout.
Public adjusters are experts in insurance policies, claims processes, and the valuation of damages. Their process includes thoroughly assessing your damage, documenting the losses, and negotiating with the insurance company on your behalf. For more about working with a public adjuster in Florida, you can review this publication put out by the Florida Department of Financial Services.
What is the Role of an Insurance Law Attorney in Florida?
Insurance law attorneys represent policyholders in legal disputes with their insurance company, including denied claims, and underpayment issues. Attorneys provide legal advice, draft legal documents, and represent clients in court if necessary. Typically in Florida, insurance law attorneys also work on a contingency fee basis. Alternatively, some may charge a flat fee or by the hour.
Key Differences Between a Public Adjuster and an Insurance Law Attorney
To summarize, public adjusters focus primarily on handling the claims process. This includes gathering all documentation, submitting the claim, and handling any necessary negotiations with the insurance company. Attorneys step in to handle legal aspects of the claim process, including litigation, disputes, and bad faith claims.
Both public adjusters and insurance law attorneys can be invaluable resources for policyholders dealing with insurance claims, and frequently they work hand-in-hand on insurance claims. Understanding the differences between these professionals can help you decide where to start based on your specific situation and needs. If you have questions about any aspect of insurance law in Florida or what steps to take first when filing your claim, contact our team of experienced attorneys at Kandell, Kandell & Petrie for help.
