Question 1

What is a public adjuster, and how is it different from the carrier's adjuster?

Accepted Answer

A public adjuster works for you, the policyholder, not the insurance company. The carrier's adjuster is paid by and represents the carrier's interests. We review your policy, document your damage, and negotiate on your behalf so you're not the only one at the table without expertise.

Question 2

What does it cost to hire Claim Service Pro?

Accepted Answer

Nothing up front. We work on a no recovery, no fees basis, meaning we only get paid a percentage of what we recover for you. If we don't get you paid, you don't owe us anything.

Question 3

My claim was already denied. Can you still help?

Accepted Answer

Yes. A denial is often the start of a dispute, not the end of one. We review the carrier's stated basis for denial, gather the documentation and expert opinions that contradict it, and reopen the claim, up to and including formal escalation and litigation if the carrier won't engage.

Question 4

How long does the claims process take?

Accepted Answer

It depends on the claim and how the carrier responds. Florida law requires carriers to acknowledge a claim within 7 days and pay or deny it within 60 days on most current policies. We track every statutory deadline on your claim so nothing slips, and escalate the moment a carrier misses one.

Question 5

Do I have to use your recommended contractors?

Accepted Answer

No. You're always free to choose your own contractors and vendors. We can recommend trusted partners if you'd like, but the choice is entirely yours.

Question 6

Is there a deadline to file my claim?

Accepted Answer

Yes, and it's stricter than most homeowners realize. On most policies issued or renewed after December 16, 2022, you generally have one year to give first notice of a claim and eighteen months to file a supplemental claim, with different windows for major named storms. The sooner you have a public adjuster reviewing your loss, the less risk of missing a deadline.

Common questions

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