When disaster strikes—whether from fire, water, storms, mold, or property vandalism—policyholders often turn to Public Adjusters for help. But despite the essential role Public Adjusters play, there are still a lot of myths floating around that prevent homeowners and business owners from getting the help they deserve.

Today, we’re breaking down the top three public adjuster myths and revealing the facts so you can make the most informed decision when filing an insurance claim.

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🔥 Myth #1: “You don’t need a Public Adjuster unless your claim gets denied.”

BUSTED.

Most policyholders hire a Public Adjuster too late—after the insurance company has already shaped the claim. By then, damage documentation, valuation, and policy interpretation are often in the insurer’s favor.

The truth: You should bring in a Public Adjuster as early as possible, ideally right after the loss.
Why?

• Insurance companies send their own adjuster to protect their financial interest.
• Public Adjusters protect yours.
• Early involvement means more accurate damage documentation, more leverage, and fewer delays.
• Claims handled by Public Adjusters typically result in significantly higher settlements compared to those handled alone.

Bottom line: You don’t wait for problems to hire a PA. You hire one to avoid them. Learn how a Public Adjuster can help you early in the claim process.

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🔥 Myth #2: “Public Adjusters are expensive.”

BUSTED.

This myth stops more people from getting help than any other.

Here’s the real deal:

• Public Adjusters work on a contingency fee, meaning you pay nothing upfront.
• They only get paid when you get paid.
• The fee is a small percentage of the total settlement—and only from new money they recover, not from money you’ve already received.

Most importantly:

A good Public Adjuster often increases your settlement far beyond the cost of their fee.
In other words, you’re not paying out of pocket—you’re investing in a professional who fights to maximize the money your policy already owes you.

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🔥 Myth #3: “Public Adjusters slow down the claim.”

BUSTED.

Delays usually come from:

• Insurance company requests for more documentation
• Slow responses from carrier adjusters
• Incomplete or inaccurate initial damage estimates
• Wrong forms or missing evidence

Public Adjusters speed things up by:

• Preparing accurate, complete documentation
• Organizing evidence the insurer can’t dispute
• Handling communication so nothing gets overlooked
• Holding the carrier accountable to timelines under Florida law

The truth:
Claims drag on when they’re poorly prepared—not when a Public Adjuster is involved.
In fact, Public Adjusters often prevent delays.

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Final Takeaway

Public Adjusters aren’t a last-resort option—they are your advocate, negotiator, and damage expert. They protect policyholders from undervalued claims and ensure insurance companies pay what they truly owe.

If you suffer property damage, don’t wait until you’re overwhelmed or underpaid.
Call a Public Adjuster early, and let a professional fight for your best outcome. Get help with your property damage claim today.

If you’ve suffered a property loss and your claim was denied or underpaid, contact Claims Aid Consultants Public Adjusters for a free, no-obligation claim review throughout the State of Florida. We ONLY work for you, not the insurance company.
Call (772) 249-7988 or (954) 48-CLAIM

No Recovery – No Fee