It would appear you are in need of a Florida public adjuster's assistance on your claim. So, how do you decide who to hire? When choosing a public adjuster to represent you on your loss, which one of the Character traits or values is the most important to you?
A public adjuster who will always...
If number 7 is the most important quality for you, I would recommend you seriously consider hiring me. Why? I am a born-again Christian, who loves the Lord and places Him first in my life. Secondly, I am also a very good public adjuster who understands insurance policies and the claim process. While nice websites are important, they do not always give a precise indication of what the public adjuster is really like. I recommend you hire someone who will be honest with you and fair with your insurance company. Someone who will bring your claim to closure both in a timely manner and when it is your best interest. Listed below are 6 reasons why I believe AA Florida Public Adjusting Agency, LLC may be your best choice when hiring a Florida public adjuster.
If you are looking to be paid a fair price for your claim, I would like to work for you. If I believe you can get your claim settled without my assistance, I will tell you same and recommend you attempt settlement without my services. If you value knowledge, experience and integrity, please give me a call.
|Filip, Adrian||Liberty Mutual Insurance||Xactimate 27 Certification Level 3||2018-03-05||GARDEN GROVE, CA|
|Nolan, Shay||Independent Adjuster||Xactimate 27 Certification Level 3||2018-03-02||GRAND ISLAND, NE|
|Vandegraft, Mark||Selective||Xactimate 27 Certification Level 3||2017-11-12||Branchville, NJ|
|Shumock, Sr., Stephen||Independent Adjuster||Xactimate 27 Certification Level 3||2017-08-08||LAFAYETTE, LA|
|Ahrens, Gary||Ahrens Appraisal Service||Xactimate 27 Certification Level 3||2017-07-16||ARCADIA, FL|
|Stevens, Lindsay||Adjusterteam Incorporated||Xactimate 27 Certification Level 3||2017-06-30||HAMMOND, LA|
|Stevens, Lindsay||Adjusterteam Incorporated||Xactimate 27 Certification Level 3||2017-06-30||HAMMOND, LA|
|Deener, Keith||Selective Insurance||Xactimate 27 Certification Level 3||2017-05-04||Branchville, NJ|
|Capers, Leon||Worley||Xactimate 27 Certification Level 3||2017-02-21||GLENDALE, AZ|
|Rainey, Josh||Kentucky Farm Bureau||Xactimate 27 Certification Level 3||2016-11-17||HOPKINSVILLE, KY|
|Nolan, Adam||Independent Adjuster||Xactimate 27 Certification Level 3||2016-11-04||HAMDEN, CT|
When a person wishes to transact business as described in 626.854, he must first procure a license as a Florid public adjuster and pass a test. According to the Florida Department of Financial Services, before you may take the examination you must do one of the following:
If you have to serve as an apprentice, you will have to do so for 12 months before qualifiing to take the exam. Prohibitions regarding licensing and the procedures to acquire that necessary license are listed below.
626.112 License and appointment required; agents, customer representatives, adjusters, insurance agencies, service representatives, managing general agents.—
(1)(a) No person may be, act as, or advertise or hold himself or herself out to be an insurance agent, insurance adjuster, or customer representative unless he or she is currently licensed by the department and appointed by an appropriate appointing entity or person.
(3) No person shall act as an adjuster as to any class of business for which he or she is not then licensed and appointed.
(9) Any person who knowingly transacts insurance or otherwise engages in insurance activities in this state without a license in violation of this section commits a felony of the third degree, punishable as provided in s.775.082, s.775.083, or s.775.084.
626.171 Application for license as an agent, customer representative, adjuster, service representative, managing general agent, or reinsurance intermediary.—
(1) The department may not issue a license as agent, customer representative, adjuster, service representative, managing general agent, or reinsurance intermediary to any person except upon written application filed with the department, meeting the qualifications for the license applied for as determined by the department, and payment in advance of all applicable fees. The application must be made under the oath of the applicant and be signed by the applicant. An applicant may permit a third party to complete, submit, and sign an application on the applicant’s behalf, but is responsible for ensuring that the information on the application is true and correct and is accountable for any misstatements or misrepresentations. The department shall accept the uniform application for nonresident agent licensing. The department may adopt revised versions of the uniform application by rule.
(2) In the application, the applicant shall set forth:
1(a) His or her full name, age, social security number, residence address, business address, mailing address, contact telephone numbers, including a business telephone number, and e-mail address.
(b) A statement indicating the method the applicant used or is using to meet any required prelicensing education, knowledge, experience, or instructional requirements for the type of license applied for.
(c) Whether he or she has been refused or has voluntarily surrendered or has had suspended or revoked a license to solicit insurance by the department or by the supervising officials of any state.
(d) Whether any insurer or any managing general agent claims the applicant is indebted under any agency contract or otherwise and, if so, the name of the claimant, the nature of the claim, and the applicant’s defense thereto, if any.
(e) Proof that the applicant meets the requirements for the type of license for which he or she is applying.
(f) The applicant’s gender (male or female).
(g) The applicant’s native language.
(h) The highest level of education achieved by the applicant.
(i) The applicant’s race or ethnicity (African American, white, American Indian, Asian, Hispanic, or other).
(j) Such other or additional information as the department may deem proper to enable it to determine the character, experience, ability, and other qualifications of the applicant to hold himself or herself out to the public as an insurance representative.
However, the application must contain a statement that an applicant is not required to disclose his or her race or ethnicity, gender, or native language, that he or she will not be penalized for not doing so, and that the department will use this information exclusively for research and statistical purposes and to improve the quality and fairness of the examinations.
(3) Each application shall be accompanied by payment of any applicable fee.
(4) An applicant for a license as an agent, customer representative, adjuster, service representative, managing general agent, or reinsurance intermediary must submit a set of the individual applicant’s fingerprints, or, if the applicant is not an individual, a set of the fingerprints of the sole proprietor, majority owner, partners, officers, and directors, to the department and must pay the fingerprint processing fee set forth in s.624.501. Fingerprints shall be used to investigate the applicant’s qualifications pursuant to s.626.201. The fingerprints shall be taken by a law enforcement agency, designated examination center, or other department-approved entity. The department shall require all designated examination centers to have fingerprinting equipment and to take fingerprints from any applicant or prospective applicant who pays the applicable fee. The department may not approve an application for licensure as an agent, customer service representative, adjuster, service representative, managing general agent, or reinsurance intermediary if fingerprints have not been submitted.
(5) The application for license filing fee prescribed in s.624.501is not subject to refund.
(6) Pursuant to the federal Personal Responsibility and Work Opportunity Reconciliation Act of 1996, each party is required to provide his or her social security number in accordance with this section. Disclosure of social security numbers obtained through this requirement shall be limited to the purpose of administration of the Title IV-D program for child support enforcement.
A Florida public adjuster is a person, who for a fee, assists the policy holder in preparing an estimate of damages, negotiating with the insurer, and effecting settlement of their claim. However this is the simplistic description of the public adjuster and his duties and job description are defined much broader and more thoroughly in Florida Statute.
626.854(1) A "public adjuster" is any person, except a duly licensed attorney at law as exempted under s.826.860, who, for money, commission, or any other thing of value, prepares, completes, or files an insurance claim form for an insured or third-party claimant or who, for money, commission, or any other thing of value, acts on behalf of, or aids an insured or third-party claimant in negotiating for or effecting the settlement of a claim or claims for loss or damage covered by an insurance contract or who advertises for employment as an adjuster of such claims. The term also includes any person who, for money, commission, or any other thing of value, solicits, investigates, or adjusts such claims on behalf of a public adjuster.
Within this statute, the narrow job description of the Florida public adjuster lies. For a public adjuster to perform a broader job description than outlined above, may cause harm to the insured's claim. On the other hand, if the Florida public adjuster fails to perform his full duties as outlined in this statute, his client's settlement may not be fully realized. To understand what a Florida public adjuster is, you need to know what he is licensed to perform.
A person is required to be licensed as a Florida public adjuster if he does the combination of these three well defined tasks. First, he has to perform the task for money, commission, or anything of value. Secondly, the task has to be performed for or on behalf the insured or third-party. Thirdly, he must complete his task by carrying out one of the following:
Prepares, completes or files an insurance form.
Acts on behalf of, or aids in negotiating for or effecting the settlement of a claim or claims
Solicits, investigates, or adjusts such claims on behalf of a public adjuster.
Unfortunately, this statute does not define what a claim form is, so we are left to speculate. Any person who completes these forms for a fee, may need to be licensed as a public adjuster. It is possible the following are considered a claim forms:
A sworn statement in proof of loss
A Coverage A and B damage estimate
A Coverage C personal property inventory form
An ALE estimate or worksheet.
A Florida Public Adjuster acts on behalf of and aids the policyholder or third-party in negotiating for or effecting the settlement of a covered claim under the insurance contract. Other than a lawyer, a public adjuster is the only adjuster that can legally represent the insured during the claims process. Although you, the insured, may have an independent or company adjuster assigned to your claim, those adjusters are not licensed to negotiate with the insurance company in your behalf. They are either employed by the insurance company or are employed by an independent adjusting agency and have been hired to determinethe amount of the claim on behalf of the insurance company. A pubic adjuster is hired by you to determine the amount of your claim loss. While theoretically, both the independent adjuster's and the public adjuster's estimate should be similar in scope and pricing, I have not found this always to the case. 626.877 states "every adjuster shall adjust or investigate every claim, damage, or loss made or occurring under an insurance contract, in accordance with the terms and conditions of the contract and of the applicable laws of this state". This statute requires both the public adjuster and the all-lines adjuster to adjust your claim according to your policy of insurance and the applicable laws of the state.
I would image this portion of the statute is attempting to outline who is required to hold a public adjuster's license when in the employment of another Florida. public adjuster. While a receptionist or a bookkeeper may not require a PA license, any person who solicits, investigates or adjusts a claim would require a license. Additional statutes and rules assist in understanding this requirement. I strongly recommend you contact the DFS and inquire if your particular situation requires you to solicit or investigate a claim.
Our Mission is to assist you to recover quickly and fully from your loss with the least amount of stress possible. We expect our clients to be truthful and honest in presenting their claim and demand that their insurance company be fair and expeditious in the settlement of the claim. We believe that the insurance policy dictates coverage as opposed to differing opinions of an insurance adjuster. Let us assist you to gain a fair settlement for your honest claim.