FAQs

You should contact Capital Adjusters immediately after a loss occurs. This is extremely important in order to be on offense during your claim.

YES! Regardless of any payments made by your insurance company, Capital Adjusters can review your claim at no cost and determine whether you were underpaid.

Florida law allows insureds to file claims three years after the loss has occurred. This means that you still qualify for claims made against Hurricane Irma.

The difference between a restoration company and Capital Adjusters is fundamentally total opposites. When you hire a restoration company, you are giving that company all of your insurance money. This also included the money you will need to rebuild your home. We believe since you bought the policy, you should be the payee, it’s that simple. A restoration company believes they deserve your money. When you allow them to clean your furniture of soot or water damage, even fire damage, you’re paying someone for absolutely nothing, and the word clean does not exist in your policy. Smoke and water damage is considered a peril, no different than fire damage. According to the policy you have every right to claim anything that had direct physical damage from any peril listed in the policy, this includes smoke damage. When you allow someone to remove your clothes: You’re giving away your money from the contents portion of your policy. Remember, the more they clean, the more they make, the less you get.

You should only hire a licensed general contractor when you know what your budget will be. Once Capital Adjusters has settled your claim, You should then request quotes from various contractors to determine your best option. Please remember to always check references.

Capital Adjusters will begin to evaluate your loss through our team of forensic engineers, contractors, inventory specialist, accountants, etc. In addition, we will coordinate all inspections with your insurance company and handle all verbal communications on your behalf. This is crucial to ensure your claim is handled professionally from day one in order to ensure your maximum compensation allowed under your policy.

Yes, you may contact your insurance agent. However, it is not like he/she will be recommending a public adjuster. An insurance agent is in a tough spot between you (the insured) and the insurance company that his agency has a contract to sell. If the loss ratio in an agency is too high, that agency runs the risk of losing that business contract with that carrier, and could also hinder their ability to obtain contracts with other carriers in the future.

A study conducted by The Florida Office of Program Policy Analysis & Government Accountability concluded that insurance company settlements filed without the expertise of a licensed public insurance adjuster on average was 574% higher than what was paid by the insurance company. Capital Adjusters ensures your settlement is MAXIMIZED.

Yes, you may, however simply because someone is an attorney does not mean that he/she is trained in handling routine insurance claims. In this scenario your attorney will hire a public adjuster to evaluate the claim, meanwhile passing along the additional expenses to you. You should only hire an attorney only when your only option is to file a lawsuit.