Frequently Asked Questions

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 Public adjusters typically work on a contingency fee basis, meaning you pay nothing upfront. They receive a percentage (usually 10-20%) of the final settlement amount. If no settlement is secured, you pay nothing—there’s no financial risk involved for you. 

To file a claim, please contact us directly at 630-730-5356 or email us at Andrea@swflpublicadjusters.com & if you are able to send us a copy of your policy for review, please do so.

The length of time varies depending on the complexity of your claim. However, public adjusters streamline the process, helping to expedite the claim and reduce delays. On average, it can take weeks to months or years to resolve claims, but a public adjuster helps ensure the process moves as quickly and smoothly as possible.

 If you’ve experienced significant property damage or if your insurance company has offered a low settlement, it’s a good idea to consult with a public adjuster. They can evaluate your claim for free and give you an honest assessment of whether hiring one will help you get a better payout. One study showed that public adjusters increase the settlement amount by an average of 747% over initial offers from insurance companies (Source: Insurance Information Institute). 

While it is possible to handle your claim yourself, the process can be complex and time-consuming. Insurance companies often offer lower settlements to unrepresented policyholders, and you may not know if you are missing out on coverage that could significantly increase your payout. By hiring a public adjuster, you increase your chances of receiving a much higher payout, with a better chance of success throughout the entire process.

 Yes, hiring a local public adjuster has several benefits. Local adjusters, like Andrea Cannizzaro of SWFL Public Adjusters, are familiar with Florida’s specific insurance laws, building codes, and weather-related damages. Their knowledge of local contractors, suppliers, and the insurance companies operating in the region ensures that they can navigate the claims process more effectively, potentially leading to faster and more favorable outcomes. 

Factors that may affect your insurance premium include your age, driving record, location, type of vehicle, and coverage options.