Frequently Asked Questions and Answers

Testimonials: Clients Say

"My house severely suffered water damage as a result of a leak. QCC took care of everything – from recommending a plumber and a clean up company to negotiating a very generous claim settlement from our insurance company. We couldn't be happier with their service."

– Maria in Coconut Grove
1. What is a Public Adjuster?

What is a Public Adjuster?

A Public Adjuster is an individual who represents property owners with regards to a property insurance claim. A Public Adjuster can assist you in preparing, filing, and adjusting your insurance claims, and is your only advocate that will fight for you to get the settlement you deserve.

2. What is the cost for hiring a Public Adjuster?

Public Adjuster

Your public insurance adjuster's charge is a percentage of the insurance company's settlement with you. By seeking to maximize your settlement, your public insurance adjuster's services can save you the cost of their fees, at the very best.

3. Who regulates Public Adjusters?

Public Adjusters

A Public Adjuster is licensed by the Florida Department of Financial Services (DFS) to work exclusively for the benefit of the policy holder. The DFS holds Public Adjuster's to a high moral and ethical standard, therefore reducing the risk of any harm to the public.

4. Are Public Adjusters employed by insurance companies?

insurance companies

No. They are employed exclusively by you - the policyholder- not by an insurance company.

5. How can licensed Public Adjuster help me?

licensed Public Adjuster

You will have the advantage of expert assistance based on great experience in handling numerous technical problems. Your public insurance adjuster relieves you of the many time-consuming and difficult matters involved in preparing and filing a claim – and helps you receive a prompt and fair settlement.

6. How do they determine the actual loss?

QCC Actual Repair Cost

They take a physical inventory, obtain all pertinent estimates and make sure all provisions in your policy are properly fulfilled. This often involves numerous steps of which you may know little or nothing, but can make a significant difference in the amount of the final adjustment.

7. What's the difference between a public adjuster and an insurance company adjuster?

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The public adjuster is employed by you, the insured. Their function is to maximize your recovery per the terms of your insurance policy. The insurance company's adjuster works for the insurance company is responsible to protect their interests, which typically means a lower monetary settlement for you.

8. I'm about to hire a cleaning contractor. What should I keep in mind?

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Don't allow a cleaning contractor to remove your personal property until you decide what is cleanable and what is a total loss. Make sure the cleaning contractor bills your insurance company directly. Be wary of a cleaning contractor that wants money or payment upfront. It's best to have the guidance of a public adjuster during this process.

9. Will the public adjuster actually prepare all of the paperwork for me?

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Yes, your public insurance adjuster assists with every phase of preparing and presenting your claim, as well as accomplishing an adjustment for you that is equitable and includes everything to which you are entitled under your insurance policy.

10. My insurance company sent me a check, but it doesn't cover all of the damages. Is there anything you can do?

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Yes, Quick Claims Consultants will review your claim and if necessary, can file a supplemental claim to recover the full amount that you are entitled to, which is the maximum amount allowed in your policy. Insurance companies offer to pay what is due to you as they see it. Public insurance adjusters are your exclusive representatives. With their experience and knowledge they are better able to obtain a more favorable adjustment for you, the insured. Many insurance policies may pay more than the amount shown on the declaration page. A qualified expert working for you can determine everything to which you are entitled.

11. How long do I have re-open a claim?

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Under Florida law, you have the right to re-visit a case and file a supplemental claim up to three years after you receive payment for the damages.

12. Should my Public Adjuster be with me when my insurance company inspects the damage?

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Yes. It's important that you have a public adjuster by your side when the insurance company's adjuster is inspecting the damage. Your public adjuster will know whether the insurance adjuster is following the correct procedures.

13. Will my insurance company cover me if I'm at fault?

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Yes. A loss is a loss, no matter whether it's an accident or caused by Mother Nature.

14. What happens if my public adjuster and the insurance company disagree with the amount of the claim?


According to the National Association of Public Insurance Adjusters (NAPIA), in most cases, the insurance company and the public adjuster don't agree with the amount of the claim. However, this is part of the process. An experienced public adjuster will be able to negotiate the fair amount on your behalf.