Reasons to Hire a Public Adjuster

It would appear you are in need of a Florida public adjuster's assistance on your claim. So, how do you decide who to hire? When choosing a public adjuster to represent you on your loss, which one of the Character traits or values is the most important to you?

A public adjuster who will always...

do whatever it takes to secure the largest payout.
Be less than honest with the insurer, when it is in your best interest.
Write the highest estimate possible to submit the insurance company.
Treat you fairly and keep you informed on the claim's progress.
Deal professionally with your insurance company.
Always be truthful and honest with you and the insurer.
Honor Lord Jesus Christ in all actions, words, and deeds.
If number 7 is the most important quality for you, I would recommend you seriously consider hiring me. Why? I am a born-again Christian, who loves the Lord and places Him first in my life. Secondly, I am also a very good public adjuster who understands insurance policies and the claim process. While nice websites are important, they do not always give a precise indication of what the public adjuster is really like. I recommend you hire someone who will be honest with you and fair with your insurance company. Someone who will bring your claim to closure both in a timely manner and when it is your best interest. Listed below are 6 reasons why I believe AA Florida Public Adjusting Agency, LLC may be your best choice when hiring a Florida public adjuster.

I am a seasoned adjuster. That means I have been around for a while. I was first licensed as a an insurance adjuster in 1997. I attempt to anticipate the next move of your insurance company. In this business, when a particular insurance company tries to deny or underpay your loss unfairly, they may use the same method or venue to derail somebody else's claim in the future. On the other hand, I try to remember what combination of letters, estimates, and supporting documents got a claim paid expeditiously, and attempt to handle a similar type of claim in the same fashion. Having this type of past-experience and knowledge, allows me to serve you better.
I am industry trained. That means, I at one time handled claims for insurance companies. They trained me how they wanted a claim scoped, estimated, and presented for payment consideration. I learned to follow the process and close the claim. While I no longer follow all the same view-points taught by my former employers, some methods and techniques never change; the policy dictates how a loss should be valued and when payment should be made. I use what I have learned to benefit you. Furthermore, having the industry education under my belt allows me to know when the carrier may not be handling your claim in the manner indicated by their own Claim Handling Guidelines. This information sometimes provides the edge to get your claim settled.  

I stay educated. I am required to take at least 20 hours of CE courses every two years, but I generally take a lot more courses than that. I attempt to be acquainted with current building code requirements and to be aware when changes happen. I familiarize myself with the latest Florida Statutes changes and how they might affect your loss. This type of knowledge is far more important than most policyholders realize. In some cases, this knowledge has added thousands of dollars to my client's claim. I endeavor to acquaint myself with various policy and policy changes when they occur. Knowing what language and endorsements are contained in your policy is imperative in maximizing your claim payment.

I am highly motivated. In other words, I only get paid when you do. I have a motivation for working diligently on your loss. I would also like to get paid for the hard work I put into your claim. I try not to take on more claims than I can reasonably handle. Even if your claim is small, I still give it the attention it deserves. However, let me interject an important comment at this point. While I do get paid a percentage of the insurance settlement, I will still only value your loss at an amount which I believe to be correct. I do not write an estimate with the expectation that you will not pay a deductible. I do not write my estimate, so there will be sufficient funds left over so, my fee will be covered. Both of these practices are in opposition to ethical requirements outlined within Florida Statutes. If a public adjuster is willing to be dishonest in one area, he or she may also be less than honest with you.   My motto is a fair price for all damages.

I am courteous and professional. Seldom do I get excited and talk with a raised voice to the opposing side. This style has worked well for me over the years, and I hope I will not change. If you need someone to shout, scream, and threaten your insurance company, hire someone more versed in this area. I have found that I get a larger settlement for my clients using "honey" rather than vinegar. I try to remember to say or to write words that I do not mind being read before a jury. This quality is important. Generally, if I present your claim in a professional manner, I get a professional response from your carrier.
I am a Christian, and I value integrity. That means I will not be dishonest or lie, and I expect you to do the same. While I have listed this quality last, it is really # 1 in my mind. Never tell me anything that you would not wanted repeated in deposition. While I am not required to tell the carrier every single word of our conversations, I will answer all questions truthfully when question by your insurer in deposition. While some may not appreciate this   moral value, I am not interested in working for those people who think I would lie when it is in their benefit.
If you are looking to be paid a fair price for your claim, I would like to work for you. If I believe you can get your claim settled without my assistance, I will tell you same and recommend you attempt settlement without my services. If you value knowledge, experience and integrity, please give me a call.

Gary Laird Ahrens • PA License # A002288 • Firm License # G008507 • AA Florida Public Adjusting Agency, LLC • 34540 Appaloosa Trl., Zephyrhills, FL 33541 • 866-993-3760

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