Why Work with a Public Adjuster?

Used the television commercials warning you 'not to communicate with the insurance coverage adjuster!'. Attorneys and public adjusters caution the public that insurance agencies their very own attorneys fighting for them and you require an attorney or public adjuster fighting to suit your needs!

However, there is a massive difference between legal counsel along with a PA. Attorneys are required to graduate college, attend 3 years of law school and pass an extensive state bar examination. Adjusters who represent house owners against insurance agencies must pass one hundred question licensing test with no prerequisite training course in any way.

Through the 2004-2005 storms the University of Orlando received call after call from candidates, specially in Florida, who wished to be eligible for a a 3-20 license. NOTE: Adjusters who represent house owners are paid a part fee on the monies recovered on the part of your client.

Florida Public Adjuster


When callers were asked should they had any claims experience, it absolutely was a fact of life that the new applicant would definitely function as a 'sales person' as an alternative to an adjuster, however they needed permission to solicit clients.

What that meant could be that the new licensee was going to personally contact disaster victims trying to sell them on a PA firm's services. Making that sale resulted in the sales rep would obtain a number of any insurance recovery.

Now attorneys usually are not permitted to check out someone's house and solicit clients, therefore the question have to be raised, how does Florida allow Public Adjusters to solicit clients in person? Honestly, there is no good reply to that question.

Disaster victims are vulnerable and so, attorneys might not embark on solicitation. Public Adjusters reason that house owners need that information, but the same argument may be designed for legal services also.

Florida Public Adjuster


Since January 1, 2009, new licensee candidates will no longer be allowed to take hawaii licensing examination. They shall be forced to serve a 1 year apprenticeship beneath the guidance of an licensed 3-20 Adjuster. Sounds good, except there's no requirement that any licensed PA actually offer an apprenticeship.

The Catch 22 is the fact that while new Public Adjusters must serve an apprenticeship, there are not probably be many, if any in any way, available. PA's usually are not necessary to actually provide apprenticeships to new applicants. In case there are few or no apprenticeships, finito, no more new public adjusters competing with existing firms for all those contingency fees.


Why would home owner employ a PA rather than legal counsel? Public adjusters will declare that they know the claims process superior to attorneys. This may be true now and again, since some public adjusters are derived from an extensive claims background, however many usually do not.

Another thing is absolutely true...all attorneys result from extensive legal training and no public adjuster is empowered to file a lawsuit or litigate an incident that can not be settled. If you're planning on employing a public adjuster, here are some guidelines to think about:

1. Exactly what is the adjusters past and training?

2. What sorts of cases have already been successfully settled and so are there references you are able to contact?

3. What complaints, if any have already been filed contrary to the adjuster or firm?


Find out what the insurance company's position is prior to getting a public adjuster. In case you are the insured you have an obligation to cooperate and aid in the settlement of one's claim. It will be that you could resolve your claim without pay a share to either a lawyer or perhaps a public adjuster.

In the long run, whether you are finding a public adjuster or perhaps an attorney, find out everything you can about that individual before you sign a legal contract. You might be your own best advocate!