A public adjuster or public adjusting firm is a licensed and bonded team of experts tasked to indemnify assets such as your home, commercial property, and vessel back to its pre-damage appraisal value.

Because of this, a public adjuster is not a construction or blue-collar contractor, they act more as a financial services professional similar to how you would expect with a CPA, lawyer, advisor, etc.

Not having a public adjuster means you are okay with your settlement. Oftentimes we see our clients realize that the original settlement was not enough to cover half of the repairs necessary to bring the property back to its appraisal value pre-damages.

In this scenario, you are selling your home or commercial property to someone named Jim. Jim does a full walk through of the property and notes cracks in the ceiling, windows with damages, etc. 

When he submits his offer to purchase your asset, he deducts $130,000 to the asking price and is justified because of the damages not addressed.

Don't let Jim cost you six figures when hiring a public adjuster indemnifies the asset for you.

When hiring a public adjusting firm, you get:

1. A licensed representative advocating on your behalf who understands the value of your assets and how they will depreciate if indemnified incorrectly
2. The relationships built over the years to negotiate with carriers and industry professionals
3. The experience of someone you can lean in with questions and advice
4. Concierge feel of not worrying about claim letters, appointments, calls, emails, etc.
5. If you are not able to be present for inspections, our team will use your lock box or key to run the event without you needing to be on the premises
6. In-depth estimate that goes through every detail for indemnification
7. In-depth photo reports and expert reporting to be presented in your case
8. Representation during all events such as inspections, negotiations, mediation, trial, depositions, etc.
9. Detailed inspections minimizing your exposure to dangerous liability
10. Policy review for new insurance policies
11. Letter in case your insurance carrier decides to drop you from coverage
12. Priority as an existing client in the event you need to file a future claim during a state of emergency

The fee varies from state to state, but in Florida the fee is 20% of whatever is recovered during the claim process. In the event of a state of emergency, fees are capped at 10%. Fees are paid AFTER claim checks are mailed so you won't need to come out of pocket until there's recovery.

A good public adjuster's fee is irrelevant since they find areas in the claim process you on your own would have missed.

For our firm, we start with two things: reviewing the insurance policy dated during your loss event, and a virtual or in-person inspection. If we deem your case is valid, we will move to signing a Letter of Representation so we may begin the claim management process.

Call us at 786-659-7965 to get started or email us at claim@excellentstandard.com with your insurance policy and additional information such as when the loss occured, how it happened, and the address of your loss.

1. We sign our agreement and let the insurance carrier know we represent you
2. We work on scoping/sketching the property
3. We take photos and create a photo report
4. We work on the estimate to send to the carrier
5. We work on a Proof of Loss document for you to notarize
6. We speak with the adjuster on when to schedule an initial inspection or reinspection
7. We negotiate with the carrier on our estimate vs theirs
8. We either agree on a settlement or reach an empass
9. If there is no agreement, we work on a reappriasal/umpire decision
10. If this doesn't work, we recommend you go through other legal options

By law the insurance company has a timeframe to determine whether your claim will be covered or not. To be completely honest, this can take anywhere between 2 weeks, 2 months, or 2 years to finalize.

No. In every claim YOU will pay us once a payment to the claim is made. All checks should be made out to Excellent Standard LLC.

The check will have ALL interested parties. This means you may see a check with: You (the insured), Excellent Standard LLC (our public adjusting firm), and/or your mortgage company (if you still have one).

1. If it gets mailed to you first and you have a mortgage, go ahead and call that mortgage company and ask where to send the check so you can get it signed/endorsed and mailed back to you.
2. If you don't have a mortgage, or the mortgage has signed it and mailed it back to you, go ahead and mail it to our office at:
   Attention: Excellent Standard LLC.
   490 SW 123 Ave
   Miami, FL 33184
3. Once it arrives to us, we will sign/endorse it and mail it back to you.
4. Now that you have the check endorsed, you can go to your local bank and deposit. At this time, we will include our invoice and once your payment clears please write us a check for the amount owed.

Please note, in rare cases banks will not deposit your check. If this is the case our company, Excellent Standard LLC., can deposit the check into our account then write you a check for the percent you are entitled to.

Also, if you have a mortgage or reverse mortgage they oftentimes ask for proof of construction or an inspection to release the funds for your check. It is important to call your mortgage company and ask about the steps to get the check endorsed so you may begin construction.

If you don't get paid, we don't either. This means we take on cases where the insurance company SHOULD pay you because they underpaid, delayed, or wrongfully denied your claim.

Emergency mitigation services (which we will work with the carrier on reimbursing you), notary services, and/or hiring an external vendor such as an appraiser, umpire, meteorology report, or law firm. We will advise you at each step if/when hiring anyone else is necessary.

Think of this as an investigation. The insurance company needs to visibly see the claim damages before you begin the build-back process in order to approve our estimate. We will work to get an inspection done ASAP.

Aside from emergency mitigation, please hold off on any repairs or work that can hinder the investigation.

It depends. Our estimate will reveal what the total loss for your property then we will negotiate with the insurance company to get you the answer to your question.