FAQ

What You Want to Know About Your Insurance Claim Adjusters
What exactly is a public adjuster?

A public adjuster is licensed by a particular U.S. state and hired by the policyholder to negotiate and settle an insurance claim on behalf of the policyholder. A public adjuster does not work for the insurance company. Instead they assist you, the insured, in preparing, filing, and negotiating a claim. Moreover, since a public adjuster represents the policyholder (and does not work for the insurance company), a public adjuster acts as a strong advocate for the policyholder in attempting to ensure the policyholder successfully settles his or her insurance claim.

How can Coconut Grove Claim Adjusters help me?

The claims process is tedious, time-consuming, & aggravating not to mention the difficulty in having to deal with the insurance companies team of experts. We have the knowledge and experience to comprehend the policy, prepare the necessary documentation, negotiate the loss and ultimately obtain a favorable settlement for our client.

How is a public adjuster compensated?

A public adjuster’s compensation is a small percentage of your settlement from the insurance company. There is no out of pocket expense on the part of the insured. Rest assured that a public adjuster’s interests are aligned with the interests of the insured. If there is no recovery, there is no fee payable to the public adjuster.

When should I contact Coconut Grove Claim Adjusters?

Immediately after you suffer a loss. It is to your advantage for us to be involved early on the process and the sooner the better.

Will I get the same results if I work directly with the insurance company's adjuster?

Definitely not. Insurance company adjusters are trained to minimize your loss. They have a financial responsibility to the insurance company, not the policyholder. A public adjuster’s interests are aligned with the interests of the policyholder because they represent the policyholder.

Will my insurance policy be cancelled if I hire a public adjuster?

No. The public adjusting profession is mandated by the state legislation and regulated by a state’s office or department of insurance. It would be a serious violation if any insurance company discriminates against a policyholder an any way for exercising a right given to you by a state legislature.

I have already received a payment for my claim from my insurance company but it is not enough money. Is it too late to re-open the claim?

No. Coconut Grove Claim Adjusters can re-open your file and start negotiating with the insurance company immediately.

My claim was denied. Do I have any recourse against the insurance company?

Yes. Many claims are wrongly denied by the insurance company. Coconut Grove Claim Adjusters will contact the insurance company and analyze the best course of action to proceed forward.

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