How Our Public AdjusterProcess Works
Below is exactly how our team works with you and your insurance company on a typical claim, from the first phone call through the final settlement check. No black-box steps. No surprises.
From Inspectionto Final Settlement
Most policyholders meet a public adjuster for the first time right after a loss, when the house is still wet, the kids are somewhere else, and the carrier’s adjuster is already asking questions. You don’t need to be an expert in policy language or claims procedure to work with us. That’s our job.
On this page: first, the small set of details to have on hand when you call. Then the nine stages of a typical claim, from first inspection to final check.
The four thingsto have ready when you call.
You don’t need everything below to get started, we can find most of it with you. But the more you have on hand when we pick up, the faster we move from the first call to the first inspection.
- Policyholder
Who you are, on the policy
- Name of insured
- Address
- Phone
- Policy number
The basics every carrier asks for in the first thirty seconds, and the same details that appear on every document we’ll generate for you. The name and address need to match the policy exactly, the phone and email are how we reach you during the file, and the policy number is how the carrier locates your coverage. If you don’t have the policy number on hand, no problem, we can usually pull it from the carrier directly once we have your name and the property address.
- The loss
What happened, and where
- Date and time of loss
- Location of incident
- Detailed description of damages
A clear picture of the loss event itself: when it happened (date and approximate time), where on the property it started, what triggered it if you know, and what it ended up damaging. The more specific the description, the harder it is for the carrier to argue the cause later. Walk us through it the way you’d describe it to a neighbor, what you saw, what you heard, what you found when you got back. We organize the rest into the proof of loss.
- Authorities
Who else has been notified
- Fire department
- Police
- Other emergency services
If the fire department, police, or any other emergency authority responded to the loss, we want every detail you have, agency, report number, responding officer or unit if you remember it. Their reports become part of the official claim record and often back up the cause-of-loss story the carrier might otherwise dispute. If nobody was called, that’s fine too, just tell us, so we can plan accordingly.
- Mitigation
What you’ve already done
- Emergency service companies contacted
- Damage mitigation steps taken
Most policies require the insured to take reasonable steps to prevent further damage, and reimburse those steps when documented. If you’ve called a water-extraction or remediation crew, boarded windows, tarped a roof, moved contents to dry storage, shut off a main, or hired a board-up service, tell us who you called and what they did. Save every receipt and invoice. We’ll fold it all into the claim so you’re reimbursed for the work you’ve already paid for.
A typical claim,start to finish.
Once we’re on the call, here’s the path your claim follows , the same nine stages whether the loss is water, fire, roof, mold, or hurricane.
Inspect, evaluate, and price the loss
We come to your property, walk the damage with you, review your insurance coverage, and prepare a written estimate that substantiates the full extent of your loss.
File the claim with your insurer
We file the claim on your behalf, properly documented and prepared from day one, so the carrier has no excuse to delay.
Carrier reviews and assigns a field adjuster
Your insurance company assigns a field adjuster to inspect the property and evaluate the loss from their side.
We meet the carrier’s adjuster on-site
We coordinate with your insurer and meet their field adjuster at your property, at a time that works for you, so nothing about your loss gets understated.
Submit our written estimate
We submit a detailed written estimate to your insurance company, including a full inventory of the loss and the projected cost to repair and replace the damage.
Carrier responds with an offer or denial
Your insurer reviews their adjuster’s report alongside our estimate, then either proposes a settlement or denies the claim outright. Either way, you’re not navigating it alone.
We negotiate the best settlement
We respond to the carrier on your behalf, negotiating line-by-line for the settlement you’re actually owed under your policy.
Push for the undisputed amount up front
When the carrier’s offer falls well short of ours, we push them to release the undisputed amount immediately while our team keeps fighting for the rest.
Available throughout the process
Our licensed adjusters stay on the file from first inspection through final check, answering questions, addressing concerns, and keeping you informed at every step.
A licensed team,on your side from day one.
Our professional staff of public insurance adjusters is available throughout the claim, to answer questions, address concerns, and make sure you’re never the one negotiating against your own insurer.
- Licensed in Florida
Every Foremost adjuster is a state-licensed public insurance adjuster, bound by Florida law to represent you, not your insurer.
- No recovery, no fee
You don’t pay us unless we recover for you. Our incentives align with your settlement, period.
- 20,000+ claims handled
Over 18 years across South Florida. We know the carrier playbook because we’ve negotiated against it thousands of times.
Get Your Free Insurance Claim Review
Reach the firm directly.
A licensed adjuster responds within 2 hours. No recovery, no fee.
