Frequently Asked Questions

What is a Public Adjuster?


A Public Adjuster is an insurance claims adjuster who advocates for the policy holder in appraising and negotiating an insurance claim. A Public Adjuster is the only type of claims adjuster that can legally represent the rights of an insured during an insurance claim process.


When should I call Stellar Public Adjusting Services?


You should call us immediately after a loss. It is most beneficial for all parties when we are involved at the beginning of the claim development so we can set the tone for the entire process.


What is the difference between a Public Adjuster and an Insurance Company Adjuster?


The insurance company adjuster or independent claim adjuster are both employed by the insurance company and can't protect both your interest and the interest of his/her employer at the same time. The insurance company adjuster will often offer to settle a claim for the sum they see fit, which is not always in favor of the policyholder.


A Public Adjuster is an insurance adjuster expert who works exclusively for you the policyholder. We are experts in reading the final print and understanding your policy, coverage and the insurance company responsibilities in order to negotiate a better settlement.

How does a Public Adjuster prepare a claim?

Public Adjusters are very skilled negotiators, who will use services of appraisers, engineers, accountants and all sorts of other experts as needed. Public Adjuster will meticulously go through all the evidence and document everything for you to get the most out of your settlement.

If my claim has been closed by the Insurance Company, is it too late to hire a Public Adjuster?

Usually, it is not too late.


Florida law allows a few years to file a supplemental claim from the date of loss. If you do not believe you were paid the right amount, and would like us to review your claim, please contact us.


We will carefully audit and analyze your claim and give you our professional opinion.


My claim was denied, am I entitled to a second opinion?


Yes! Many of our clients that were told their claim was denied. We simply reopen the loss, negotiate with your insurance company, and insist they pay for viable damages.


Will I get a higher settlement if I will hire a Public Adjuster?

Almost always, you will receive a higher settlement from the Insurance Company than if you do not use a Public Adjuster for the simple reason that your claim will be presented much more favorably and with careful attention to your policy coverage.


Typically, the more detailed and complete your claim, the higher the settlement. We go through all the evidence, step by step, very carefully inspecting the loss site and accurately documenting the damage.


Studies have clearly demonstrated that the most inventories compiled by insured without the help of the Public Adjuster are very incomplete.

Who uses services of Public Adjusters?

Public Adjusters are hired by individuals and all types of business and professionals including: attorneys, banks, accountants, business owners, and even insurance adjusters and agents for their own losses. Once a person has experienced the benefits of our services, they will rarely attempt to settle a claim without our help.

Will my insurance company cancel my contract if I will hire a Public Adjuster?

No. It would be a serious violation for any Insurance Company to discriminate against you in any way for exercising a right given to you by the State of Florida.

How do I know if I need your services?

A consultation is free and without obligation. Please feel free to call us and set-up an appointment to discuss your claim.


Is my there any minimum value requirement for a claim?

We only get involved in claims where our services are needed. Therefore, there is no claim too big or too small. Just give us a call to discuss your claim and we will give you our professional opinion.


What is the cost for hiring a Public Adjuster?


The standard fee for public adjusting services is a small percentage of the amount recovered from the Insurance Company. These fees are regulated by the Florida Department of Financial Services.


Who regulates a Public Adjuster?


A Public Adjuster is an insurance adjuster expert, who is licensed and certified by the Florida Department of Financial Services to work exclusively for the benefit of the policy holder.