Why Hire a Public Adjuster?


Florida's Office of Public Policy Analysis and Government Accountability report confirms that when you have an insured loss -people who hire public adjusters get paid what they're owed over 500% more than insurance companies otherwise pay.

    Most people have never even heard of a public insurance adjuster. Or if they have, their opinions of public adjusters may have been distorted by a concerted effort by some insurers and their representatives to discredit the profession. Recently, Florida's Insurance Consumer Advocate, Sean Shaw held a series of dispute resolution round table discussions. Insurer representatives, contractors, appraisers and umpires sat alongside public insurance adjusters and attorneys who represent policy holders to try to find solutions to some problems placed by insured Floridians. One insurance company representative exclaimed proudly "next year, we're coming after public adjusters." The fact is, the insurance industry has been "coming after" this consumer advocacy industry for years.

      Florida legislator, Janet Long, presented a bill which would have made it illegal for public insurance adjusters to solicit or approach someone for a period of 30 days after a loss. When the bill was unsuccessful, Long asked the state to conduct a "study on public adjusters". So the state instructed OPPAGA- the Office of Public Policy Analysis and Government Accountability, to research the effects of public adJusters on consumers.

    The result? Using public adjusters pays off! An experienced Public Insurance Adjuster can assist the layperson in professionally presenting an insurance claim and documenting the cause of loss and damages. This experience proves to be very valuable to a person who is the victim of property damage or other economic loss. According to the state researchers at OPPAGA, public insurance adjusters, on average obtain 54'?/o higher settlements than policyholders who present claims and work directly with the insurance company.


     The foundation to a successful claim begins with an experienced public insurance adjuster. At Cartaya Insurance Adjusters, Inc. we have a qualified staff of licensed adjusters with over 43 years experience adjusting claims for fire, theft, windstorm, vandalism and water damages in Florida. This experience enables us to assess the full extent of your loss and we are able to bring about a more favorable settlement than what the insurance company proposes. It is our policy to follow every claim from its inception through its conclusion with your best interest as our goal.



T: 305-234-8474