FAQs

Why should I use a Public Insurance Adjuster?

The real question is, why wouldn’t you? Would you hire an attorney to represent you in court? When you file an insurance claim, the insurance company is going to have an insurance adjuster representing them and looking out for their best interest; shouldn’t you have someone looking out for your best interest?

The fact is that the insurance claims process is set up to be extremely confusing. If filing a claim were easy, then the insurance company would have to pay out far more on claims then they actually do. Without knowing the rules and procedures that are involved with filing an insurance claim, the chances of you getting paid properly are very low.

Studies have shown time and again that when insurance claims are represented by a Public Insurance Adjuster, the payouts are far higher than on claims that are not represented: http://www.oppaga.state.fl.us/monitordocs/reports/pdf/1006rpt.pdf

When should I call a Public Insurance Adjuster?

Immediately after any damage is noticed. Chances are that if you have a roof or plumbing leak, there is far more extensive damage than is visible. The earlier we are notified, the better chance we have of successfully navigating a favorable settlement for your claim.

How much do your services cost?

There are no up-front or out of pocket costs for our services. We only get paid if you get paid. Our services are paid on a contingency basis, and we only receive compensation as a percentage of the settlement after any prior payments or deductible.

If  I hire a Public Adjuster, and they take a percentage, won't I be short of money to make the necessary repairs?

No. This is probably one of the biggest misunderstandings when it comes to the decision to hire a Public Insurance Adjuster. Insurance claims that are filed using a Public Adjuster result in a significant higher payout than claims that are not represented.

Please take a look at pages 7 & 8 of this study done by the Office of Program Policy Analysis & Government Accountability and you will see that insurance claims where a Public Adjuster was employed resulted in much higher payouts that claims without (sometimes as much as 700% higher): http://www.oppaga.state.fl.us/monitordocs/reports/pdf/1006rpt.pdf

Will my Insurance Company drop me or raise my rates if I use a Public Insurance Adjuster?

Again no. According to the law, you have the right to have a Public Insurance Adjuster represent you on your behalf.

Can I just file the claim on my own?

Yes, you most certainly can, but be aware the process is extremely difficult and time consuming.

The process of filing a claim and negotiating a settlement is purposefully complicated and complex. Your insurance policy is confusing (go ahead and read it) and is worded in such a way as to protect the carrier. When you employ the services of a TopLine Claims Service agent, you are hiring a licensed professional that is trained in understanding the complexities of your insurance policy, and has a proven track record of settling claims with a favorable outcomed to you, the policyholder. 

Your insurance company employes a team of insurance adjusters to fight on their behalf; there is no reason why you should not also employ a public insurance adjuster who will work on your behalf. 

I already filed my claim and was underpaid or denied. Can you still help?

Absolutely! We are more than happy to get involved at any point in the claims process.

In the event that your claim has already been denied, we can still reopen your claim and go back to negotiate a settlement on your behalf.

The state of Florida allows for insurance claims to be re-opened for up to 5 years. Please call us for a free evaluation so that we can determine if you were properly compensated for you previously filed claim.

Is there a difference between the Insurance Company's’ Adjuster and a TopLine Claims Services Agent?

Yes. The insurance company employs insurance adjusters to fight on their behalf, these adjusters have an incentive to do what is in the best interest of their client, the Insurance Company.

A Public Insurance adjuster is there to represent you, the policy holder’s best interest.

The Insurance Company has a vast amount of resources at their disposal to ensure an outcome that is in their best interest, having a Public Insurance Adjuster who is fighting on your side to make sure that your best interest are represented is vital to a fair settlement.

Why should I use TopLine Claims Services instead of another company?

In addition to having a combined 15+ years of experience in the Insurance industry, the partners of TopLine Claims Services have seen how things work on both sides of the Claim negotiation.

The founding partners at TopLine Claims Services used to work as an Insurance Adjusters for one of the largest insurance companies in the State of Florida. They have seen first hand how the insurance companies handle claims, and they know how to navigate the complex process.

The partners of TopLine Claims Services have intricate knowledge of how the system works, both on the Insurance side, and on the Public’s side of the negotiation.

Who better to represent your best interests against the insurance company than someone who has seen how thing operate from the inside?

Call us Today for a FREE INSPECTION (754) 333-8908

Nicholas John Komoniewski - License #P106747

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