Question 1

What does a Public Adjuster do?

Accepted Answer

A Public Adjuster is a licensed professional who works exclusively for you, the policyholder, to help maximize your insurance claim settlement. We handle everything from documenting damage, preparing detailed estimates, negotiating with your insurance company, and ensuring you receive fair compensation. Unlike insurance company adjusters who work to minimize payouts, we work to maximize yours.

Question 2

Do you work for insurance companies?

Accepted Answer

No. We represent policyholders and insureds ONLY. We never work for insurance companies. Robert Cruz is a Florida Licensed Public Adjuster (W057001) who works exclusively on behalf of property owners to ensure they receive fair settlements. Your interests are our only priority.

Question 3

Are you an attorney?

Accepted Answer

No. Robert Cruz is not an attorney and does not provide legal advice. However, if mediation, appraisal disputes, or litigation becomes necessary as a last resort, we can coordinate with independent law firms so you may choose your own legal counsel.

Question 4

When is litigation needed?

Accepted Answer

Litigation is typically considered only as a last resort when negotiations fail to produce a fair settlement. Most claims are resolved through negotiation and the claims process. If legal action becomes necessary, we can connect you with independent attorneys who specialize in insurance disputes.

Question 5

What types of claims do you handle?

Accepted Answer

We handle all types of property insurance claims including: hurricane and storm damage, water damage, fire and smoke damage, mold claims, pipe leaks, roof damage, supplemental and reopened claims, and both residential and commercial property claims throughout Florida.

Question 6

Do you serve all of Florida?

Accepted Answer

Yes. Robert Cruz provides public adjuster services statewide throughout Florida. We're available 7 days a week, 365 days a year to assist with your insurance claim no matter where you're located in the state.

Question 7

How long does the claims process take?

Accepted Answer

The timeline varies depending on the complexity of your claim and the insurance company's responsiveness. Simple claims may settle in a few weeks, while complex claims involving significant damage may take several months. We work diligently to expedite the process while ensuring you receive maximum compensation.

Question 8

How much does a Public Adjuster cost?

Accepted Answer

Public adjusters typically work on a contingency fee basis, meaning we only get paid when you get paid. Our fee is a percentage of your final settlement. There are no upfront costs, and if you don't receive a settlement, you don't pay us. Contact us for specific fee information.

Question 9

Should I accept my insurance company's first offer?

Accepted Answer

In most cases, no. Insurance companies often make initial offers that are lower than what policyholders are entitled to receive. Before accepting any offer, it's wise to have a public adjuster review your claim to ensure all damage is properly documented and valued.

Question 10

Can you help with a claim that was already denied?

Accepted Answer

Yes. We frequently help clients reopen and supplement denied or underpaid claims. Even if your claim was denied, there may be options to appeal or provide additional documentation to support your case.

Question 11

How quickly should I file a claim after damage occurs?

Accepted Answer

You should notify your insurance company as soon as possible after damage occurs. Most policies have specific timeframes for reporting claims. Contact us immediately after damage occurs, and we'll help you navigate the reporting process and ensure all deadlines are met.

Question 12

What should I do immediately after property damage?

Accepted Answer

First, ensure everyone is safe. Then, take photos and videos of all damage, make temporary repairs to prevent further damage (save receipts), don't throw away damaged items without approval, and contact a public adjuster before speaking with the insurance company's adjuster.

Question 13

How is Robert Cruz different from other public adjusters?

Accepted Answer

Robert Cruz has nearly 20 years of experience, has helped thousands of clients in Florida and Georgia, operates 100% on referrals (no paid advertising), maintains strong relationships with all major Florida insurers, works with a team of specialists (estimators, roofers, appraisers), and is available 7 days a week year-round.

Question 14

What is your success rate?

Accepted Answer

We have successfully represented thousands of policyholders over nearly 20 years. Our reputation is built entirely on word-of-mouth referrals from satisfied clients. While every claim is different, our experience and expertise consistently result in higher settlements than policyholders could achieve on their own.

Frequently Asked Questions