Most Florida homeowners think of a public adjuster as a last resort — someone you call after your insurance company has already lowballed you, after the claim has stalled, after you're frustrated enough to look for help. That instinct is understandable. It's also expensive. The claims process is shaped most heavily in its first two weeks. Damage gets documented (or doesn't). A scope of loss gets written (correctly, or not). Statements get made to the insurance company's field

If your Miami home has been damaged — by a hurricane, water leak, mold, fire, or any other covered event — you have two options when it comes to your insurance claim: handle it yourself, or bring in a licensed professional who works exclusively for you. That professional is a public adjuster. And if you're in Miami-Dade, Broward, or Palm Beach County, Santos Public Adjusters is ready to help. What Is a Public Adjuster? A public adjuster is a licensed insurance professional wh

When Should You Hire a Public Adjuster? If your home or property has been damaged, you may be wondering whether you should handle the insurance claim yourself or hire a public adjuster. Many Florida property owners don’t even realize hiring a public adjuster is an option. Others assume they only need one if the insurance company denies the claim. In reality, the best time to hire a public adjuster is often before the claim becomes difficult, delayed, or underpaid. At Santos P

If you are dealing with property damage, you may be wondering what a public adjuster in Florida actually does and whether hiring one is worth it. Most Florida property owners have heard of an insurance adjuster, but many do not realize they can hire a licensed public adjuster to represent their interests during the insurance claim process. In our experience, many clients do not even know public adjusters exist until they are already dealing with a stressful loss. Some even ca

In Florida, the state regulates the fees that a public adjuster can charge. According to Florida law, public adjusters can charge up to 20% of the insurance claim settlement amount for claims related to natural disasters, and up to 10% for non-natural disaster claims. However, public adjusters and policyholders may also agree to different fees in writing before the public adjuster begins their work. It's important to note that public adjusters should never charge upfront fees

A Guide for Florida Homeowners If your home has been damaged and you've decided to hire a public adjuster, you've already made the right call. But that decision comes with a second one that matters just as much: which public adjuster. Not every public adjuster operates the same way. Some genuinely work to maximize your settlement and keep you informed at every step. Others take on more claims than they can properly manage, communicate poorly, or take a percentage without deli

You quickly need to become familiar with the insurance claim procedure in case you have suffered huge damage to your business or home. Being a policyholder, you should know whom you should hire to represent you. This is definitely the first step. There are independent adjusters and then there are public adjusters as well. Being a layman, you may not know the difference between these two types of adjusters. Let’s find out what is the basic differences between the two. Independ

A public adjuster is someone who works for you; he/she is your representative. And that’s why it is so important that when you need to hire them in Florida, you should be absolutely sure. You are the boss and thus, you have to think like a boss. When you are interviewing them, you should ask them the right questions. In this article, we have listed the most important questions that you should ask any public adjuster before you hire them. You should ask a public adjuster these

Introduction Santos Public Adjusters is a firm of professional Public Adjusters highly trained in property damage and casualty insurance claims. We have the knowledge, experience, and dedication to successfully recover fair payment for your insurance claim. Our team will handle all aspects of your claim for you. We are a client-focused organization and our goal is to achieve the best possible result on your behalf and make the process as smooth and stress-free as possible. Ou

We know you're frustrated. We know you're overwhelmed. And we know there are many unanswered questions. You can call us at (305) 696-7818 with any questions you have about your claim, but in the meantime, here's a quick and painless FAQ that should address all of your initial concerns: What is an insurance policy and what does it cover? A policy is the legal agreement between you and your insurance company. It explains what coverage is provided, what the limits are for each t