Contractors Are Not Licensed Public Insurance Adjusters
If your home or business in Palm Beach is damaged and you need to file an insurance claim, only 3 people can legally do so on your behalf.
- You, if you decide to handle it
- Your insurance company
- A licensed public adjuster
So if someone says you can hire a contractor to handle your insurance claim, they are misinformed. Anyone without a license is not legally permitted to act as an adjuster or handle an insurance claim. To do so is a third degree felony.
As licensed, Public Adjusters, Advocate Claims serves some of the most affluent areas of Palm Beach County including:
- Delray Beach
- Lake Worth
- Boynton Beach
- Boca Raton
- Palm Beach Gardens
Contractors Are Not Authorized to Settle Insurance Claims
Unfortunately, we’ve seen numerous families and business owners victimized by the false promises of contractors offering to settle their property insurance claims.
In fact, the Florida Association of Public Insurance Adjusters issued a formal release on the matter. It states in the report:
If you are acting as a public adjuster in any manner by negotiating or effecting the settlement of an insurance claim on behalf of an insured and you are performing any of these services for money, commission or anything of value without being licensed as a public adjuster, you could be subject to arrest and may be charged with a third-degree felony as provided by section 626.8738, F.S.
Numerous statutory mandates are established to protect the public. Some of these include:
- Comply with a strict code of ethics
- Meet the Department of Financial Services eligibility requirements including minimum age and citizenship
- Pass the State Public Adjuster Apprentice Exam
- Acquire a Public Adjuster Apprentice License
- Acquire and renew annually a $50,000 surety bond
Advocate Claims Public Adjusters are licensed and BBB accredited. And we provide comprehensive services in Palm Beach County for assessing your home or commercial property damages, reviewing your insurance policy, and streamlining the process of filing a claim with your insurance company.
If you need to file a residential or commercial property insurance claim and are thinking about hiring a contractor, call us first.
We provide a free, no obligation consultation, and a no recovery – no fee service that puts you, the policyholder, first.