These public adjusters Florida need to be very mindful and make sure they do not breach any kind of right under State and Federal privacy laws given to any individual. Their basic role is to check whether these loses of the policyholder is covered by the policy he or she has with the insurance company. Their duration of work is unlike any other office work, however, at the time of any calamity natural or other type of disaster, they need to work extra hours, travel outstations and work more than forty hours in a week.The insurance adjusters work according to a proper schedule and process a claim in a given format by the company. They may therefore handle claims filed for any car or truck accident or home damages during any storm or natural catastrophe.  They follow a number of methods while dealing the claimants. They are seen taking interviews with a number of claimants and witnesses, also consult police and hospital to check their records and analyze the losses incurred by fire or storm damage Florida.  They are also seen consulting other professionals including accountants, construction workers and engineers, lawyers and doctors who can render their expert advice on various aspects of their losses.The Company and Independent insurance adjusters usually work full time for the insurance company. Hence after having your certification and training you can get your license and start your own firm and your work outsourced by a number of insurance companies. The nature of work of any insurance claim adjuster can be easy and difficult depending upon the work load. The more peaceful and harmonious place is your city and state, the less work these professionals have.The Florida Public Insurance Adjuster is different.  Instead of working on claims for the insurance company, Public Adjusters work for you the insured property owner.  Public Adjusters are paid by you a preset percentage of the total loss settlement.  This means that if most Public Adjusters charge a 10% recovery fee, this 10% will be paid by you out of the total check received for your settlement.  With the other 2 adjusters (Company Employees and Independent) are paid by th insurance company.So, why pay the Public Adjuster?  Its very simple since there are many cases where the Public Adjuster has obtained settlements far greater that the insurance company has offered.The state of Florida has issued a report in 2010 as follows:

“Policyholders with public adjuster representation typically received higher settlements than those without public adjusters. Policyholders that filed catastrophe claims in 2008 and 2009 generally received larger insurance settlements than policyholders that did not hire these persons. The typical payment to a policyholder represented by a public adjuster was $22,266 for claims filed in 2008 and 2009 related to the 2004 hurricanes (see Exhibit 6). In contrast, policyholders who did not use a public adjuster received typical payments of
$18,659. The difference in payments was larger for claims related to 2005 hurricanes, with public adjuster claims resulting in payments that were 747% higher. However, as policyholders pay public adjuster fees as a percentage of their settlement, their net settlement would be lower than this amount.

Source: OPPAGA – Office of Program Policy Analysis & Government Accountability

The full report from the State of Florida is here: (see page 6) :http://www.oppaga.state.fl.us/MonitorDocs/Reports/pdf/1006rpt.pdf

Now, who do you want to deal with the insurance company?  The Public Adjuster handles everything for you and remember, You, and only you, have the final decision on whether to accept the settlement or not!