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12 Nov 2015

You have often seen the television commercials warning you 'not to speak with the insurance adjuster!'. Attorneys and public adjusters caution the public that insurance providers have their attorneys fighting for them and you require an attorney or public adjuster fighting for you!

Florida Public Adjuster

However, there is a difference between a lawyer plus a PA. Attorneys must graduate college, attend Several years of law school and pass a comprehensive state bar examination. Adjusters who represent home owners against insurance providers must pass one hundred question licensing test without any prerequisite course of study whatsoever.

Through the 2004-2005 storms the University of Orlando received call after call from candidates, specially in Florida, who planned to be entitled to a 3-20 license. NOTE: Adjusters who represent house owners are paid a part fee from any monies recovered with respect to the customer.


When callers were asked should they had any claims experience, it absolutely was often the case that this new applicant was going to function as 'sales person' rather than an adjuster, nevertheless they needed permission to solicit clients.
Florida Public Adjuster
What that meant was that the new licensee would certainly personally call on disaster victims promoting them on a PA firm's services. Making that sale meant that the sales person would be given a area of any insurance recovery.

Now attorneys usually are not in a position to check out someone's house and solicit clients, so the question has to be raised, how come Florida allow Public Adjusters to solicit clients directly? Honestly, there's no good reply to that question.

Disaster victims are vulnerable and for that reason, attorneys may well not participate in solicitation. Public Adjusters reason that house owners need that information, but the same argument might be generated for legal services as well.


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

Consumption 22 is always that while new Public Adjusters must serve an apprenticeship, there aren't likely to be many, if any whatsoever, available. PA's aren't needed to actually provide apprenticeships to new applicants. If there are few or no apprenticeships, gone will be the new public adjusters rivaling existing firms for anyone contingency fees.


Why would a property owner engage a PA as an alternative to a lawyer? Public adjusters will report that they know the claims process superior to attorneys. This might be true sometimes, since some public adjusters are derived from a substantial claims background, however many tend not to.

Something is absolutely true...all attorneys result from extensive legal training and no public adjuster is empowered to go to court or litigate claims that can not be settled. If you're planning on finding a public adjuster, below are a few guidelines to consider:

1. What is the adjusters past and training?

2. What kinds of cases happen to be successfully settled and they are there references you'll be able to contact?

3. What complaints, if any have been filed up against the adjuster or firm?


Find out what the insurance policy company's position is prior to getting a public adjuster. Should you be the insured you have an obligation to cooperate and aid in the settlement of one's claim. It could be that you can resolve your claim without pay a part to either legal counsel or perhaps a public adjuster.

In the long run, regardless if you are employing a public adjuster or perhaps an attorney, find out everything you can that individual prior to signing a legal contract. You might be your individual best advocate!


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