Independent Adjuster Vs. Public Adjuster: What is the Difference?

Independent Adjuster Vs. Public Adjuster: What is the Difference?

Filing an insurance claim can be a tough process, with so many different aspects to analyze, it’s easy to feel overwhelmed. Making a mistake can cost you time and money, and sadly in some cases, end up in a denied or undervalued claim.

When property damage occurs, you may expect to work with your insurance and their independent claim adjuster partners, believing that your monthly premium payments will be enough to have them on your side, but that is not always the case. As a property owner, you have options!

Today, the experts at Liberty Insurance Adjusters will go over some things you should know first and explain the difference between an independent adjuster and a public claims adjuster. If you’ve experienced damage at your home or business, don’t go it alone. If you need help, contact a professional about your claim to get the maximum settlement to make things right

Tenant Damage: Is it Covered by Homeowner's Insurance?

Tenant Damage: Is it Covered by Homeowner's Insurance?

You’re renting your property, and that can be stressful! Aside from all the other duties you are juggling, there’s always the threat of property damage taking your time and money. From typical wear to an angry evictee, damage from a tenant can come in all shapes and sizes.

Our public adjusters go over what damage is and isn’t covered, and give you some tips on how to avoid the damage from occurring in the first place!

Common Holiday Homeowner's Insurance Claims

Common Holiday Homeowner's Insurance Claims

We know the trope all too well, it’s the start of every great holiday movie — something always goes wrong! House fires, burglaries, and other catastrophes are at their peak during the holiday season, and it is important to take steps to mitigate them before they occur.

Here are some of the most common holiday homeowner’s insurance claims we see all too often this season, along with ways you can prevent them from ruining the holidays!

Exploring Life & Business with Ryan James of Liberty Adjusters

Exploring Life & Business with Ryan James of Liberty Adjusters


After a 20-year career working primarily in wealth management and financial planning in the financial industry, I decided I had had enough of corporate America. In 2015, I decided it was time for a career change and I spent a number of months reviewing my options. During that time I came across a Public Adjuster who explained to me what he did.

Lightning Damage and Homeowners Insurance Claims

Lightning Damage and Homeowners Insurance Claims

Lightning strikes often here in Florida; Tampa is the lightning capital of the world after all! But what happens when lightning strikes your home and does damage? Will your homeowner’s insurance cover it?

Our public adjusters discuss when your homeowner’s insurance will (and won’t) cover lightning damage, and what you can do to keep your home protected.

I Let My Homeowner's Insurance Lapse. What Happens Next?

I Let My Homeowner's Insurance Lapse. What Happens Next?

A homeowner’s insurance lapse can happen even to the best policyholders. An oversight or failed automatic payments can cause a lapse in your coverage due to nonpayment. Though your coverage should be reinstated once you pay your past-due insurance bill, it isn’t always that simple.

If your homeowner’s insurance policy lapses even for just a day or two, any damages that may occur to your home during that time, due to a fire, storm, or burglary/vandalism could leave you without coverage to pay for the damage.

So, you let your homeowner’s insurance lapse. What happens next? Our public adjusters explain.

Common Mistakes Business Owners Make When Filing Damage Claims

Common Mistakes Business Owners Make When Filing Damage Claims


A storm, fire, or flood has walloped your business or commercial property. How do you get the claims process started? Avoid claims surprises by calling us so we can notify your insurance company immediately. Once they know what’s going on at your place of business then we can assess the damages and make temporary repairs to mitigate further issues and get you back to work ASAP.

Don’t damage your own claim. Our public adjusters outline common mistakes business owners make when filing commercial property claims.

Property Management Partners: Working Together on Claims

Property Management Partners: Working Together on Claims

As a property manager, you wear many hats in your daily routine. But what happens if a disaster wrecks a property you manage?

If a storm or other catastrophe strikes the apartment, condo, or rental home you oversee, it is crucial to contact a public adjuster as soon as possible. Public adjusters thoroughly inspect your rental properties to ensure that you get the settlement necessary to complete repairs.

At Liberty Insurance Adjusters, our team can help you manage property damage claims on all your rental properties. Here's how:

Can My Mold Claim be Denied?

Can My Mold Claim be Denied?

Mold claims are complex, especially because homeowner’s insurance policies are often vague when it comes to mold coverage. Mold claims are often denied because of how an insurance policy details what it covers—often costing homeowners thousands of dollars.

Often, the fate of a mold claim hinges on one important thing—whether the mold is a result of covered damage.

Here is what you need to know about mold claims and how to avoid claim denial.

 
 

If you’d like to get the fairest settlement you can to repair your home or business, lean on Liberty Adjusters.