A Public (Private) Insurance Adjuster is a licensed, certified, and bonded insurance professional who assists policyholders with the complicated insurance claim process. Public Insurance Adjusters adhere to a strict Code of ethics required by the State of Florida.
Insurance Company Adjuster - is employed by and represents the insurance company in processing your claims. The insurance company adjusters’ main job is to protect the insurance company's interests.
Independent Adjuster – works for a third-party company and is hired by insurance companies to represent them in dealing with your loss and damages. The independent adjuster’s main responsibility is also to protect the insurance company's interests.
Public Insurance Adjuster - is the only adjuster specifically licensed by the State of Florida to represent you, the policyholder. The Public Adjusters' main responsibility is to protect you and your interests in claims against a loss with the Insurance Company.
We are licensed, bonded, certified, and qualified Public Insurance Adjusters. Our team has the experience, knowledge, and expertise to obtain your maximum entitlements under your policy. It is not uncommon for the insurance company to misinterpret their insurance policy or forget to apply case law or Florida Statutes, which supersede their policy. Our Professional Public Insurance Adjusters has resources to help you through the maze of estimating, documenting, and filing your insurance claims. We advocate for you, the policyholder.
No, we do not represent or work for insurance companies. By state law, we as Public Insurance Adjusters are not allowed to represent the insurance companies, and we can only represent the insuring public.
Public Insurance Adjusters charge a percentage of the settlement for their service to you. The Public Insurance Adjuster is not paid until you are paid. There are no upfront fees for our services. The maximum percentage that a public adjuster in Florida can charge for a claim is 20% of the claim paid after you sign the contract with them. In a declared emergency by the Governor's office, that fee is reduced to 10% for claims made in the first year after a loss. After the first year, the maximum amount that can be charged reverts to 20%.
Using a Public Insurance Adjuster increases insurance claim payouts by 747% more for catastrophe insurance claims and 574% higher payments for regular insurance claims, according to a government study by the OPPAGA. As Public Insurance Adjusters, our number one job is to get you the maximum settlement available under your insurance policy. Remember, the Insurance companies have their company adjusters working and protecting their interest, and you should too!
The Ordman Elite Group Inc
Public Adjusters ● Consultants
The Offices at Coconut Point
23150 Fashion Drive Suite 231
Estero, FL 33928
(239) 565-8443 Office
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