Why Engage a Public Adjuster?Page Title



You have often seen the television commercials warning you 'not to speak with the insurance plan adjuster!'. Attorneys and public adjusters caution the public that insurance companies get their attorneys fighting on their behalf and also you need an attorney or public adjuster fighting in your case!

Florida Public Adjuster

However, there's a huge difference between a lawyer along with a PA. Attorneys have to graduate college, attend Several years of school and pass a rigorous state bar examination. Adjusters who represent homeowners against insurance companies must pass a hundred question licensing test without having prerequisite program in any way.

Throughout the 2004-2005 storms the University of Central Florida received call after call from candidates, specially in Florida, who wished to be eligible for a 3-20 license. NOTE: Adjusters who represent homeowners are paid a percentage fee on the monies recovered on the part of the customer.


When callers were asked should they had any claims experience, it turned out often the case the new applicant would definitely be the 'sales person' as an alternative to an adjuster, however they needed permission to solicit clients.

Florida Public Adjuster

What that meant could be that the new licensee would definitely personally contact disaster victims promoting them with a PA firm's services. Making that sale meant that the sales person would be given a number of any insurance recovery.

Now attorneys are not permitted to go to someone's house and solicit clients, and so the question must be raised, each and every Florida allow Public Adjusters to solicit clients directly? Honestly, there's no good answer to that question.

Disaster victims are vulnerable and as a consequence, attorneys may well not engage in solicitation. Public Adjusters reason that homeowners need that information, however the same argument may be generated for legal services as well.


By January 1, 2009, new licensee candidates don't be allowed to take the state licensing examination. They shall be forced to serve a 1 year apprenticeship beneath the guidance of the licensed 3-20 Adjuster. Sounds good, except there's no requirement that any licensed PA actually offer an apprenticeship.

The issue 22 is always that while new Public Adjusters must serve an apprenticeship, there are no longer probably be many, or no whatsoever, available. PA's aren't forced to actually provide apprenticeships to new applicants. In case there are few or no apprenticeships, there won't be any new public adjusters competing with existing firms for the people contingency fees.


Why would a house owner hire a PA as opposed to legal counsel? Public adjusters will report that they know the claims process much better than attorneys. This is true now and again, since some public adjusters originate from a thorough claims background, however many tend not to.

Something is totally true...all attorneys originate from extensive legal training no public adjuster is empowered to go to court or litigate a claim that cannot be settled. If you're considering finding a public adjuster, below are a few guidelines to think about:

1. Exactly what is the adjusters background and training?

2. What sorts of cases have been successfully settled and are there references it is possible to contact?

3. What complaints, or no have been filed against the adjuster or firm?


Discover what the insurance coverage company's position is before employing an open adjuster. Should you be the insured you have an obligation to cooperate and help in the settlement of one's claim. It will be that one could resolve your claim without pay a share to either legal counsel or a public adjuster.

Ultimately, whether you are hiring a public adjuster or even an attorney, find out everything you can about that individual prior to you signing a binding agreement. You might be your individual best advocate!