According to the OPPAGA government study done in 2010, homeowners received 574% higher payments for regular insurance claims & 747% more for catastrophe insurance claims when using a public adjuster. The exact amount is not the same for every insurance claim.

At Code One Public Adjusters, we work on a contingency fee basis—meaning we only get paid if you do. Our fee is a percentage of the insurance company’s final settlement with you.

There are:

·       No upfront cost

·       No hidden fees

·       No payment owed unless we secure results

Because our success is directly tied to yours, you can trust that it’s always in our best interest to fight for the maximum compensation on your behalf.

We get paid a percentage of the recovery amount for your insurance claim. It is a contingency contract, and we don't get paid unless you do. There is NO RECOVERY, NO FEE.

This varies based on the size and type of loss. A typical small water damage claim will take about 30-45 minutes. Large water, hurricane, flood, or fire claims can take longer.

The insurance claim process varies for every claim. However, the process is fastest when our public adjusters are involved from the very beginning. Insurance claims we need to take over once they are denied generally take the longest. The best answer is 2-6 months from when we are hired regardless of how long the claim has been going prior to our involvement. Insurance companies are supposed to decide within 90 days of the original reported date per Florida Statutes. Once a decision is made, there is no set time, so the earlier we get involved, the better.

If your home becomes uninhabitable after a loss, most insurance policies include provisions to help with temporary housing. This may include hotel stays, rental homes, or other living arrangements arranged by your insurance company.

Many policies also provide Additional Living Expense (ALE) coverage, which helps pay for the extra costs of living elsewhere while your home is being repaired or rebuilt. The length of ALE coverage depends on your specific policy:

Some policies cover up to 12 months after the loss.

Others may extend coverage to 24 months.

Coverage is determined on a case-by-case basis and outlined in your policy contract.

Tip: If your home is not safe to live in, notify your insurance company immediately and ask about your ALE coverage options. Code One Public Adjusters can review your policy and ensure you get the housing support you’re entitled to.

While there is no definitive yes or no to this answer, as each carrier, insurance claim, and situation is different, the best answer is that this is possible. The insurance company can raise your rate for non-catastrophe claims, but often the increase in rate will take years to recoup the claim payment. If a claim is $10,000 and your insurance increases $500, it will take 20 years for the insurance company to recover the money, and insurance claims typically stay on your record for 3 years.

If for some reason your insurance company denies your claim and we are unable to overturn the denial, an attorney may be needed. Often claims are not paid properly due to bad faith, improper denials, or other policy violations that an attorney may be able to help us overcome. There are certain statutes, rules, and regulations that insurance companies must follow during every claim. Our public adjusters make sure to line up all paperwork within these and any policy guidelines. Once these issues are overcome by an attorney, your public adjuster can either assist in negotiations or return to any mediation or appraisal processes at our disposal. If you are not a client but require the service of an attorney, please contact us, and we will be happy to provide you with a few names of someone that can assist you.

Our public adjusters are experienced policy experts that help streamline your claims process in order to reduce stress for our clients, because we handle everything for you to deliver proven results that increase settlements far above what the insurance company may initially offer.

Appraisal is the method preferred by most public adjusters. If our respective financial positions are too far apart, then we may notify the insurance company that we wish to move the issues into the appraisal process. In the appraisal process, both sides agree on a neutral umpire who will make a financial determination of our claim, and that umpire’s decision is final. Before meeting with the umpire, the insurance company will appoint an appraiser/expert to represent them. We act as your appraiser/expert. Usually both appraisers/experts meet at a loss to review both estimates to look for compromise. If there is too much difference to compromise, then the estimates and support documentation are sent directly to the umpire. The umpire will make a final decision in a week to ten days. Remember that the umpire’s decision is final.

Mediation is a process outlined in the State of Florida Insurance Statutes. It takes place after you’ve received some compensation from your insurance company but before filing a lawsuit for additional compensation. A mediator (appointed by the state within 30 days of your request) meets with you, your public adjuster, your insurance company’s representative, and any other named parties in the policy.

The mediator’s role is to help both sides reach a fair settlement and avoid a lawsuit. Mediation sessions are usually short—often less than an hour—and are not binding unless all parties agree to the outcome.

Mediation is often successful, and the chance of not settling is less than 1 in 100 cases. If mediation works, the matter is resolved quickly. If it does not, you still have the option of filing a lawsuit. Insurance companies typically want to avoid trials because they can face additional penalties for bad faith.

If mediation ends in an impasse, you may proceed with a lawsuit. While suing an insurance company is not immediately costly for the insured, it can take time and be stressful. The good news is that Code One Public Adjusters works with experienced attorneys who specialize in representing policyholders against insurance companies.

Mediation gives you the chance to resolve your claim faster, without the stress and delays of going to court. It is designed to save time, reduce expenses, and help you receive the compensation you deserve sooner.