Frequently Asked Questions to Public Adjusters

My name is Javier Ramirez, Public Adjuster, and Founder of Peninsula Public Adjusters. We help home and business owners get the money they're entitled to for their property damage claims, in the quickest amount of time, with the least amount of hassle. We can help you determine if the damage in your property is worth filing a claim for and we can also help you with underpaid or denied claims if you have already filed! The best thing about working with us is that you do not pay us anything out of pocket. We don't get paid, unless you get paid. Now you're probably wondering how is this possible? So let me take you through some frequently asked questions that I think will make your life and my life a lot easier, and make you feel a lot more comfortable choosing us to represent you on your insurance claim.

Frequently asked Question number 1, should I use a public adjuster? You should definitely find representation when dealing with FOR PROFIT insurance companies. The less they pay out in claims the more profitable they are. The insurance adjusters sent by your insurance company work for the insurance company and are looking for ways to delay, defend, and deny your claim. It's in OUR best interest for you to get paid as much as possible, as fast as possible!

Question number 2. How much does this cost? It actually costs you more not to hire a Public Adjuster. Studies show that we tend to get policyholders an average of a 747% increase on their insurance claims; meaning the money paid to us is an investment and well worth it to your home or real estate portfolio. The maximum percentage that any Public Adjuster in Florida can charge for a claim is 10% on emergency claims and 20% on non-emergency claims. Every claim is an emergency to us, but technically In the event of a declared emergency by the Governor's office, Public Adjusters can only charge up to 10% during the first year of the catastrophic event. However, having an adjuster from Peninsula Public Adjusters go out and do a claim evaluation is absolutely free of charge. Step one is always going to be to fill out the form below or to give us a call so we can go inspect your property and review your policy. During that inspection we can basically find out if filing the claim is right for you or if any representation for your underpaid or denied claim is needed at all.

Another common Question is, how do we get paid? We get paid contingent upon you getting paid. We can go several days preparing estimates, taking photos, collecting documentation, negotiating with your insurance company, handling all inspections and if they decide not to pay, we still don't get paid. We are that confident that if you sign with us, we will get you paid what you're owed, guaranteed!

One of my favorite questions, Who handles the repairs or contracting? We don't take any part of contracting. All we are in charge of is getting you in possession of the funds. Once you deposit the funds into your account you can pick and choose who you want as your contractor.

This is a really important one; can I hire a public adjuster for a claim I filed in the past? The answer is YES! Absolutely! Public Adjusters are allowed to reopen underpaid or denied claims up to 5 years back! Those are our favorite types of claims.

And finally, how can you get me paid if I've already been underpaid or denied? This is very simple to understand when you realize insurance companies care more about their stockholders than their policyholders. Insurance companies are investment companies. They can collect 100 million in premium one year and pay out 100 million in claims that same year and still profit. Why? Because of their investment income. Each day that they hold onto your money, their money is working for them, profiting tremendously. They also hire their own adjusters, train them to pay as minimal as possible and make it very difficult for the policyholder to receive any payment in a timely manner. So yes, they will wrongfully deny your claim or underpay purposely. Which is why hiring Peninsula Public Adjusters is the right thing to do since we are familiar with all types of policies, we know what you're entitled to, we know the proper repair methods for any type of buildings, and we know the construction costs to rebuild your property the way it was before, leaving you never to have to come out of pocket.