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Frequently Asked Questions

Stellar Adjusting Services is proud to serve the Miami Dade and Broward County areas. We have years of experience filing insurance claims in Miami and the surrounding areas of Ft. Lauderdale, Sunrise, and Boca Raton. If you’re in need of assistance filing your insurance claim and you live in Aventura, Sunny Isles Beach, Hollywood, Surfside, Bal Harbour, Bay Harbor, Miami Beach we’re ready to start working for you. The time to get to know our team of professionals is now, before an insurance claim is a calm time and we can review your insurance needs.

  • General

  • What is a Public Adjuster?

    A Public Adjuster is an insurance claims adjuster who advocates for the policy holder in appraising and negotiating an insurance claim. A Public Adjuster is the only type of claims adjuster that can legally represent the rights of an insured during an insurance claim process.

  • Who regulates a Public Adjuster?

    A Public Adjuster is an insurance adjuster expert, who is licensed and certified by the Florida Department of Financial Services to work exclusively for the benefit of the policy holder.

  • What is the cost for hiring a Public Adjuster?

    The standard fee for public adjusting services is a small percentage of the amount recovered from the Insurance Company. These fees are regulated by the Florida Department of Financial Services.

  • How do I know if I need your services?

    A consultation is free and without obligation. Please feel free to call us and set-up an appointment to discuss your claim.

  • Who uses services of Public Adjusters?

    Public Adjusters are hired by individuals and all types of business and professionals including: attorneys, banks, accountants, business owners, and even insurance adjusters and agents for their own losses. Once a person has experienced the benefits of our services, they will rarely attempt to settle a claim without our help.

  • What is the difference between a Public Adjuster and an Insurance Company Adjuster?

    The insurance company adjuster or independent claim adjuster are both employed by the insurance company and can’t protect both your interest and the interest of his/her employer at the same time. The insurance company adjuster will often offer to settle a claim for the sum they see fit, which is not always in favor of the policyholder.

    A Public Adjuster is an insurance adjuster expert who works exclusively for you the policyholder. We are experts in reading the final print and understanding your policy, coverage and the insurance company responsibilities in order to negotiate a better settlement.

  • When should I call Stellar Public Adjusting Services?

    You should call us immediately after a loss. It is most beneficial for all parties when we are involved at the beginning of the claim development so we can set the tone for the entire process.

  • Will my insurance company cancel my contract if I will hire a Public Adjuster?

    No. It would be a serious violation for any Insurance Company to discriminate against you in any way for exercising a right given to you by the State of Florida.

  • Settlements

  • Will I get a higher settlement if I will hire a Public Adjuster?

    Almost always, you will receive a higher settlement from the Insurance Company than if you do not use a Public Adjuster for the simple reason that your claim will be presented much more favorably and with careful attention to your policy coverage.

    Typically, the more detailed and complete your claim, the higher the settlement. We go through all the evidence, step by step, very carefully inspecting the loss site and accurately documenting the damage.

    Studies have clearly demonstrated that the most inventories compiled by insured without the help of the Public Adjuster are very incomplete.

    Studies have clearly demonstrated that the most inventories compiled by insured without the help of the Public Adjuster are very incomplete.

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