Insurance Claim FAQ's


What is a Public Adjuster?

As defined by F.A.P.I.A. (Florida Association of Public Adjusters,) “a licenced public adjuster is the only Adjuster licensed by the State of Florida to represent you, the Public. The only Adjuster who's sole responsibility is to represent you and your interests."  Licenced public adjusters are the only ones who can legally represent the public on insurance claims.


Public adjusters are professionals who are employed exclusively by the insured (homeowners). 

Public Adjusters are experts on property loss estimating and are hired by the policy holder to assist in documenting, negotiating and settling insurance claims. Public Adjusters handle every aspect of your claim from beginning to end, working closely with the insurance company to provide you with the most equitable and prompt settlement.

Public Adjusters charge a percentage of the net settlement of the claim, which is established at the very beginning of the claims process. Then, they are paid after the claim is settled, upon you receiving payment of your entitled proceeds. If Mutual Claims Services does not succeed in collecting a settlement for you, then we do not receive any money!

Public Adjusters are not attorneys and can only represent you with regard to your first party insurance claim. They cannot represent you in court nor can they represent you if you have a claim against a third party.


Why should I hire a Public Adjuster?


​Unfortunately, many insurance companies are overwhelmed with claims and many claims are rushed and damages often overlooked. This, in turn, leads to underpaid or denied claims. If you feel that your insurance company has not done a correct evaluation of your damages, you may need the help of Mutual Claims Services. It is your right.

How long do I have to open or re-open a claim?

In Florida You have three years from when the damages occurred.

I received a check from the insurance company but it is not enough for the necessary repairs.
What can I do?


If you have been underpaid by your insurance company, you may hire a public adjuster to file a supplemental claim to recover the additional money needed for repairs.



What is the thermal image?

Thermal imaging is a method of improving visibility of objects in a dark environment by detecting the objects' infrared radiation and creating an image based on that information. Thermal imaging, near-infrared illumination, low-light imaging and are the three most commonly used night vision technologies.


Here's a brief explanation of how thermal imaging works: All objects emit infrared energy (heat) as a function of their temperature. The infrared energy emitted by an object is known as its heat signature. In general, the hotter an object is, the more radiation it emits. A thermal imager (also known as a thermal camera) is essentially a heat sensor that is capable of detecting tiny differences in temperature. The device collects the infrared radiation from objects in the scene and creates an electronic image based on information about the temperature differences. Because objects are rarely precisely the same temperature as other objects around them, a thermal camera can detect them and they will appear as distinct in a thermal image.  

How are Public Adjusters compensated?

Public Adjusters charge a percentage of the net settlement of the claim, which is established at the very beginning of the claims process. Then, they are paid after the claim is settled, upon you receiving payment of your entitled proceeds. If Mutual Claims Services does not succeed in collecting a settlement for you, then we do not receive any money!



CALL TODAY FOR A FREE CLAIM EVALUATION:
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