FAQs

*WHAT IS A PUBLIC ADJUSTER?
A Public Adjuster is an adjuster who is licensed and certified by the Department of Insurance to work exclusively for the benefit of the policy holder.

*I HAVE ALREADY BEEN PAID AND THE INSURANCE COMPANY HAS CLOSED THEIR FILE. IS IT TOO LATE FOR YOU TO HELP?
Probably not. Florida generally allows up to five years to file a supplemental claim from the date of loss. If you do not believe you were paid the right amount and would like us to review your claim, just let us know. You will owe nothing unless we obtain more money.

*WHY SHOULD I EMPLOY A PUBLIC ADJUSTER TO OBTAIN WHAT IS RIGHTFULLY DUE ME?
Preparing an insurance claim can be a complicated and complex task. Substantiating and documenting your loss is your job, not the job of the insurance company’s adjuster. There are just too many details and variables which arise that can be easily overlooked. The decision to use a Public Adjuster has very little to do with whether or not you believe the insurance company will or will not try to be fair. Public Adjusters will almost always obtain much greater settlements than individuals, not only due to their skill in evaluating, estimating, and appraising, but also because of their experience with the “ins and outs” of the insurance industry. As is true in any profession, the more experience and training one has, the better the final results.

We never made a call to the office that went unreturned, and believe me there were many calls. Having never been in the position to negotiate with the insurance company before, they represented us in a way that we were inexperienced & unprepared to do.Smolka & Associates saw to it that we received the absolute maximum that was allowed by our insurance policy.
Lisa & Steve Horn Owner/Operator of Tap House Bar & Grill