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FAQs

Find answers to frequently asked questions here. If your question isn’t listed, feel free to call us and we’ll be glad to help.

What is a Public Adjuster?

The Public Adjuster's primary responsibility is to protect you and your interests in claims against a loss with the Insurance Company. A Public Adjuster is hired to help the policyholder fully recover from their insurance company for all covered damages sustained in the event of a loss. Public Adjusters inspect all areas to demonstrate the entire impact of the loss-producing event.

How much do Public Adjusters Cost?

There are no upfront fees. A public adjuster charges a small percentage of the amount your insurance claim pays out. They only receive their payment after the settlement is finalized and you have been paid.

How long does the Claims Process Take?

The duration of the insurance claim process can vary depending on the complexity of the claim and the cooperation of the insurance company. However, having a public adjuster can help expedite the process and ensure a timely resolution.

Why Should I Call Trojan Claims?

Engaging a public adjuster in Florida guarantees you have a knowledgeable advocate to guide you through the intricate insurance claims process, negotiate with the insurance company, and obtain a fair and maximum settlement for your claim.

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What is the difference between a Public Adjuster & and an Insurance Adjuster?

An insurance adjuster works on behalf of the insurance company, adhering to its guidelines and requirements. Conversely, a public adjuster is licensed to represent you, the policyholder. Properly preparing your claim is crucial for securing a fair settlement.

Will I get a higher settlement if I Hire a Public adjuster?

Engaging a public adjuster typically leads to a higher settlement from the insurance company. This is due to the fact that public adjusters present claims in a more favorable manner and ensure meticulous attention to the details of the policy coverage. A well-documented and comprehensive claim generally results in a higher payout.

What Types of Claims Do Public Adjusters Handle?

Public adjusters handle a wide range of insurance claims, including those related to property damage from hurricanes, fires, floods, water leaks, mold, vandalism, etcetera.

When should I call a Public Adjuster?

You should call us immediately after your property has sustained damage. It is most beneficial for all parties when a PA is involved at the beginning of the claim development so we can set the tone for the entire process.

My CLaim is Closed. Is it too late to call a Public Adjuster?

Typically, there is still time. Under Florida law, you have a few years from the date of loss to file a supplemental claim. If you think you weren't compensated fairly and would like us to review your claim, please get in touch. We will thoroughly examine and evaluate your claim, providing our expert opinion.

Do Public Adjusters need a License?

Yes, Public Insurance Adjusters are required to hold and maintain a state license as well as a surety bond while maintaining continuing education requirements.

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