The People’s Choice Public Adjuster proudly serves home and business owners in Palm Beach, Broward and Miami-Dade Counties on the east coast as well as in Hillsborough and Pinellas Counties on the west coast. We also serve Orange County and any other county throughout the state. Our state licensed staff has decades of experience and is ready to help you navigate the complicated insurance claim process no matter where you’re located in Florida.

First, some definitions:

• Company Adjuster – Works directly for the insurance company in dealing with your insurance claim. A company adjuster’s main responsibility is to protect the insurance company’s interests.

• Independent Adjuster – Hired by the insurance company to represent it in dealing with your claim. Their main responsibility is to protect the insurance company’s interests.

• Public Adjuster – Retained by the insured to represent you and your interests. Public adjusters are licensed by the state of Florida. Our main responsibility is to secure the insurance settlement you deserves according to your insurance policy.
When it comes to an insurance claim, it’s up to you to prove your loss to your insurance carrier.

Other than an attorney, a licensed Public Insurance Adjuster is the only individual licensed by the state to represent you. Public Adjusters do the work regarding your claim.

At The People’s Choice Public Adjuster, we have the experience, knowledge and expertise to obtain the maximum entitlements under your policy. Our team of specially trained professionals understands insurance policies, endorsements and forms, as well as your rights as the insured. Our focus is you; our job is to represent you to the insurance company.

Consider this: If you become involved in a legal matter, would you represent yourself or would you hire an attorney? It’s no different with an insurance claim. Remember: the insurance company’s adjustor works for the insurance company.
A public adjuster works for you.
constantly changing. Endorsements are documents added to your policy to either exclude or supplement certain policy coverage which was not included when you bought the policy.

It’s important to familiarize yourself with these forms. However, unless you work in the insurance business on a regular basis, these documents can be difficult to understand.

Most people just don’t have the expertise to properly understand and interpret the technical language contained in their policy. Nor do they understand the complicated procedures that must be followed to comply with the policy’s terms. The insurance company’s adjusters are trained professionals who represent the insurance company’s interest. You can protect yourself by retaining a Public Adjuster whose sole responsibility is to serve you.

In addition, when you file a claim with your insurance carrier, there are certain policy conditions that must be satisfied. Failure to do so can reduce your settlement amount or even cause your claim to be denied.

Just because the insurance company’s adjuster makes a statement or the insurance company makes a decision concerning your loss, it doesn’t necessarily mean it is fact. It’s not uncommon for the carrier to misinterpret its own policy or forget to apply Florida statutes case law that may supersede their policy.

That’s where a Public Adjuster can help.
Yes. Public adjusters are required to be tested, licensed, bonded and authorized to practice their profession in the State of Florida. They are licensed by the Department of Financial Services just like the adjusters who represent the insurance company.
At The People’s Choice Public Adjuster, we don’t get paid unless you do. Our fee is based upon a percentage of the insurance company’s settlement to you (after your deductible). There are no upfront fees for our services and if you don’t get paid, neither do we.

No. We help anyone who needs our services so there is no such thing as a claim that’s too big or too small. Simply give us a call, and we will review your claim with you and explain exactly how we can help.

Yes. Many of the people we’ve helped the most had their claim denied by their insurance company. We reopen the claim and negotiate with the insurance company to obtain payment for the covered damage.

Not usually, because Florida law allows five years from the original date of loss to file a supplemental. If you believe you were underpaid and would like us to give you a second opinion, please call us. We will carefully review your claim and present all of your options. If you feel a previous claim was underpaid, we’ll help you re-open it and work to secure a fair, generally larger, settlement.

Public adjusters utilize a team of appraisers, engineers, mold examiners and other subject matter experts as needed to prepare a comprehensive picture of your claim to the insurance company. The Public Adjuster will also keep meticulous records in order to help maximize your settlement.

No. It is against the law in the State of Florida to terminate insurance coverage or discriminate against you in any way for exercising your right to file a claim for a covered loss.

Each insurance company has specific guidelines in their policy declarations that govern the reporting of claims, but as a general rule in the State of Florida most claims can be filed for up to five (5) years from the date of loss.
Statistics show that you will almost always receive a higher settlement from the insurance company by hiring a Public Adjuster, than by going it alone.

• Policy holders who hired public adjusters (PA) for non-catastrophe claims received 574% more money than those who did not hire a PA.

• Policyholders who hired public adjusters for hurricane claims received 747% more money.

(Florida Legislature’s Office of Program Policy Analysis & Government Accountability -OPPAGA)
All insurance companies in the State of Florida must pay or deny claims within 90 days.

Yes. We can reopen your claim and have it re-evaluated to secure an equitable settlement.

A public adjuster is a licensed insurance adjuster that works for you the policy holder, not the insurance company. Our job is to assist with or fully handle the claim process for you to ensure your claim is settled as quickly as possible and that you receive the maximum repair funds that your policy entitles you to.
Yes, we are licensed Florida public adjusters in Palm Beach County, the Greater West Palm Beach area, based out of Lake Worth. We handle claims from coast to coast, as far north as Daytona Beach, south as Fort Lauderdale, west all the way to the Gulf coast, and everywhere in between.
Look at it like this. When selling your home or paying your taxes, you hire a realtor or an accountant to not only make it easier on yourself but also make sure everything is done right and there are no costly mistakes, especially here in The Palm Beaches. When it comes to property damage, your insurance company's #1 objective is to exploit what you don't know and get you to unknowingly accept less than you are entitled to. A professional Boca Raton public adjuster for example will make it easier for you and get you the best possible outcome with the most repair funds for your claim. The People's Choice Public Adjuster has successfully handled thousands of property damage claims.
Filing a thorough homeowners insurance claim is often a very difficult process. Public adjusters are trained professionals in navigating insurance coverage, holding carriers accountable, and maximizing settlement amounts. Hiring a West Palm Beach public adjuster ensures your claim gets the attention it deserves and prevents insurance companies from taking advantage of what you don't know and denying or underpaying your settlement.
You should hire a Delray Beach public adjuster as soon as you've encurred damage to your property, and preferrably before contacting your insurance company, though it's not required. The earlier a Palm Beach public adjuster gets involved, the smoother your claim wil go and quicker you will receive your settlement. Public adjusters in Florida work with insurance companies to assess the damage, expedite the process and ensure you receive the maximum repair funds that your policy coverage allows.
We handle Property Damage, Property Loss, Wind Damage, Water Damage claims, Mold Damage, Storm Damage, Fire Damage, Smoke Damage, Theft Damage, Vandalism damage, and everything those entail.
You can, but just like an accountant will most certainly maximize your return, West Palm Beach public adjusters will almost always be able to maximize your policy’s payout. Within a property loss claim, there could be hundreds of laws, provisions, and or guildelines that a policyholder might be unfamiliar with, resulting in many thousands of unrecovered funds that otherwise could have been paid out. This also means many additional repairs and new furnishings the homeowner could have received, but didn't. The People's Choice Public Adjuster is highly experienced with all property loss claim types and will work to get you the maximum repair funds your policy allows. Check out some of our results on our website
You can, but both the insurance carrier’s adjuster and independent adjusters work for the insurance company. They are trained and incentivized to protect the carrier’s financial interests and save THEM the most money, not the the other way around. Public adjusters in Royal Palm Beach are on the opposite side of the equation...they work for YOU the home or business owner, and are incentivized to get the insurance company to PAY as much as possible, which means recovering the most funds for you. We are experts at settling claims, and can negotiate a [typically much] larger payout than most individuals can negotiate on their own.
No, it's NOT too late to hire a public adjuster in Wellington. In the state of Florida, homeowners claims can be re-opened within a three year period from the date of the loss. If you didn't get the settlement you know you deserve, call us immediately. We can review your claim, property damage, and likely negotiate a higher payout for you.
Yes, you will almost always receive a bigger settlement that recovers more repair funds from the insurance company when you hire a Palm Beach Gardens public adjuster, or anywhere. A common example is if a small 4 inch corner of one kitchen cabinet gets a little water damage, the insurance company is only going to offer some small patchwork for just that tiny section. But many insurance policies actually include clauses that require the insurance to pay for all new cabinets. These scenarios are very common and often many exist within a single insurance policy. The carrier will never volunteer this information however, so not knowing any better, the Palm Beach homeowner would accept the initial offer and miss out on significantly more repair funds, new furnishings, a safer home, and increased property value. With a public adjuster on the claim, that's a risk they don't have to take.


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