Property damage claims are stressful, time-consuming, and downright daunting. Many policyholders often find themselves overwhelmed by the intricacies of insurance policies, confusing legalese, negotiations, the paper trail, reports, and everything that goes along with the insurance claim process. If you’ve faced any type of property damage, you only have to go through it once alone before you enlist the help of a Public Adjuster. With over 20 years of industry experience, Cordo Claims Group provides Public Adjuster services throughout Florida, Georgia, Louisiana, Mississippi, North Carolina, South Carolina, Texas, Virginia, West Virginia and Colorado. We specialize in property damage claims from devastating events including hurricanes, tornadoes, lightning, wind, hail, water, flood and fire, as well as other perils including theft and vandalism. Whatever your emergency is, we take the confusion out of the insurance claim process and help you get a fair settlement.

What is a Public Adjuster?

If you’re fortunate enough to have never been through the claims process, you may not know what a Public Adjuster is or why you need one. Public Adjusters are independent, licensed professionals that help policyholders settle insurance claims. A Public Adjuster is well versed in the complexities of insurance policies, property loss adjustments, claims, and supporting documentation, and can work efficiently to ensure that your settlement is expedited. Policyholders hire Public Adjusters to help them process their insurance claims. Unlike Insurance Adjusters who work for the insurance company, Public Adjusters advocate on your behalf. They have no relationship with the insurance company. The only time a Public Adjuster corresponds with the insurance company is regarding the policyholder’s insurance claim. With an extensive background in insurance claims, property damage, estimates, policies and legalese, our expert team at Cordo Claims Group has helped thousands of residential, commercial and marine vessel policyholders obtain fair and balanced settlements.

How to Choose a Public Adjuster

1. Check Credentials & Licensures

Public Adjusters are required to hold a license in their state. Their license should be listed on their website, or you can ask for proof of license or contact the Insurance Department in your state to verify their license is in good standing. If you’re in Florida, Georgia, Louisiana, Mississippi, North Carolina, South Carolina, Texas, Virginia, West Virginia, and Colorado, call us at 877-55-CORDO with any questions! These are the states we’re licensed to work in at the time of this article.

Cordo Claims Group Licenses: FL-W811556, TX-2659267, LA-1014460, VA-153269, MS-15043061, NC-3001834825, WV-1590827, SC-1590827, GA-2661941

2. Review Experience and Certifications

How much experience do they have? What type of claims? Do they have any other certifications? At Cordo Claims Group, we have extensive knowledge and experience on catastrophic event claims throughout the U.S. We proudly hold the following designations:

Certifications

• Xactimate
• Windstorm Insurance Network (WIND) Appraiser
• Windstorm Insurance Network (WIND) Umpire
• Certified Property Appraiser and Umpire (CPAU)
• Certified Property Insurance Appraiser (CPIA)
• Certified Property Insurance Umpire (CPIU)
• OSHA

Memberships

• Florida Association of Public Insurance Adjusters (FAPIA)
• Insurance Appraisal and Umpire Association, Inc. (IAUA)
• National Association of Public Insurance Adjusters (NAPIA)
• Windstorm Insurance Network (WIND)
• Georgia Association of Public Insurance Adjusters (GAPIA)
• Better Business Bureau (BBB Accredited Business)
• South Florida Professionals
• Palmetto Bay Business Association

3. Find Out What Their Clients Are Saying

Check their website and social media platforms for reviews. You can learn a lot from a quick Google search. Find out what others are saying about them and their services. We’re proud to boast a whole lot of happy clients! Check out our online reviews! We are 5-Star Google Rated!

4. Review Online Case Studies and Settlement Examples

Ask if they have examples of claim settlements for new, underpaid and denied claims. In Public Adjusting, numbers talk and expertise matters. The proof is in their work. 

How Much Does a Public Adjuster Cost?

In most states, including Florida where we’re headquartered, a Public Adjuster doesn’t get paid unless you do. By law, we follow terms set forth by each state’s department of insurance.

Benefits of Using Cordo Claims Group 

1. Claim Expertise

When you file an insurance claim, a representative from the insurance company reviews your claim and estimates your payout based on the damage. Unfortunately, an insurance carrier may attempt to underpay or even deny your claim altogether. The solution to getting a fair and accurate insurance claim payment is to hire a Public Adjuster. Our expert team at Cordo Claims Group possesses a deep understanding of insurance policies, including the fine print and nuances that are often overlooked. Our expertise allows us to interpret and analyze policies effectively, ensuring that all eligible damages are included in the claim. This knowledge is crucial for maximizing the compensation that you receive. 

2. Claim Management 

A Public Adjuster handles the entire claim process on your behalf, saving you the hassle and headache. Our attention to detail can literally mean the difference between tens or even hundreds of thousands of dollars in accurate claim settlements. Whether your claim is new, previously denied or underpaid, we complete a free assessment to determine next steps. We carefully review your policy and your claim to determine coverages. We manage all the confusing paperwork and legalese and keep you informed every step of the way. We also collaborate with any necessary industry-leading experts to collect and submit the necessary details to process your claim efficiently.

3. Thorough and Accurate Assessment

We start by conducting a comprehensive evaluation of the damages incurred. We come out to your property to survey the damage and perform an inspection. Our detailed assessments go beyond what may be apparent at first glance, identifying hidden damages that might be overlooked by an untrained eye. This meticulous approach results in a more accurate and substantiated claim, preventing undervaluation by insurance companies.

4. Time and Stress Reduction

If you’ve been through it before, you know firsthand that navigating the insurance claim process can be a very stressful experience that consumes a whole lot of time. At Cordo Claims Group, we manage all the paperwork, documentation, and negotiations on your behalf, so you can focus on rebuilding and recovery and getting your life back to normal.

5. Optimized Payouts

Our 25 years of experience and sharp negotiation skills enable us to effectively communicate with insurance companies and secure the maximum possible payout for our clients. By presenting a well-documented and substantiated claim, we increase the likelihood of a fair and just settlement. At Cordo Claims Group, we’re unique because we have extensive experience in Xactimate, the estimating software used by both carriers and contractors. Our CEO, Jose Luis Cordo, also serves as a 3rd party expert and holds Appraiser and Umpire certifications. This unbiased expertise goes a long way in streamlining the claim process and ensuring a fair payout.

6. Expedited Claim Settlements

The insurance claims process can be lengthy, involving multiple stages of documentation, assessment, and negotiation. We streamline this process by expediting the submission of claims and maintaining open lines of communication with insurance companies. This helps to reduce delays and ensures a prompt resolution to the claim. Through our online dashboard, you can track the progress of your claim in real-time. You can see when it was filed, who is working on it, and when it’s expected to be resolved. This level of transparency gives you peace of mind and helps you feel more in control of the claims process.

7. A Fair Counterbalance to Insurance Companies

Insurance companies often have teams of adjusters working on their behalf. Hiring a Public Adjuster levels the playing field, providing policyholders with a knowledgeable and experienced professional who can advocate for their best interests. This balance is increasingly essential in achieving an equitable resolution to the claim.

For example, after Hurricane Ian devastated parts of the east coast, over half a million claims were filed. On September 28, 2022, Ian made landfall near Punta Gorda, Florida, as a Category 4 hurricane with maximum sustained winds of 145 mph. Months later, a media exposé revealed that independent licensed Field Adjusters, (these are insurance adjusters), provided extensive evidence to state regulators of alleged fraud, affecting thousands of homeowners in south and central Florida. They found that nearly $25 billion of the estimated $67 million in insured losses was underpaid. And that’s just one example. There are many, many more related to this and other major catastrophic events. Hurricane Ian was the second-deadliest storm to strike the continental U.S. this century.

8. Increased Probability of Approval 

We understand the criteria insurance companies use to approve or deny claims. It is our job to know this. By ensuring that all documentation is in order and addressing any potential issues proactively, we increase the likelihood of claim approval. This proactive approach reduces the chances of claim denial due to technicalities or incomplete information.

Cordo Claims Group: Public Adjusting  

• Free Insurance Policy Review
• Property Damage Claim Assessment
• Insurance Company Correspondence & Communications
• Meetings & Communications with Insurance Adjusters
• Meetings & Communications with General Contractors
• Management, Collection and Submission of Paperwork, Reporting, Photos, Damage Assessments, Measurements
• Collaboration with Industry-Leading Experts
• Confer with Legal Counsel