Fees and Claim Process

Understanding Fees and the Claim Process

It is your right to be informed about the insurance claim process and associated fees. The fees for insurance adjusters are regulated by the Florida Department of Financial Services and the state’s Chief Financial Officer, Jimmy Patronis. To directly access the relevant statute, click the link provided below:

Insurance adjuster fees operate on a CONTINGENCY basis, meaning you pay nothing unless your claim is successfully settled.

Aviva Insurance Adjusters adhere to the fee cap regulations:

As a professional insurance adjusting firm, we prioritize treating clients with respect and delivering high-quality work. We understand that you get what you pay for, and we are aware that some insurance adjusters provide their services at a lower cost while compromising quality.

These adjusters often take on too many clients, resulting in prolonged claims, inadequate settlement offers, subpar work, and poor customer service.

Our goal is to achieve excellence, a reasonable expectation when hiring a public adjuster.

Still undecided? Reach out to us at 877-351-1933, and we’ll gladly explain the fees and claim process to you.

Our aim is to secure a swift settlement for you, but sometimes reaching an agreement is challenging. In such cases, we resort to appraisal and mediation processes, where we seek to resolve disagreements with the assistance of an unbiased umpire.

1. A FREE, no-commitment inspection identifies the scope and cause of the damage
2. A brief review of your insurance policy helps establish if the loss is covered
3. Signing the letter of representation authorizes us to communicate with your insurer on your behalf
4. If not already done, we inform the insurer about the claim, and an adjuster is assigned to your case
5. Documentation of the damage starts with photographs, videos, moisture testing, and measurements
6. A comprehensive line-item estimate is prepared and sent to the insurer, outlining our expectations
7. The insurance company schedules an inspection, during which we represent you and discuss the damage with their adjuster at your property
8. The adjuster returns to their office and drafts an estimate based on their assessment of the damage
9. Negotiations commence, with both the insurer and Aviva Insurance Adjusters debating the extent and cost of the damage
10. We won’t reach a settlement without consulting you, the property owner. Upon reaching an agreement, a release may be signed, and the insurance company issues a check
11. Further information on the claims process can be found here.

Never simply accept the insurance company’s initial offer. More often than not, you’ll end up with an unjust settlement if you solely rely on the insurer to determine the compensation you deserve. The Florida Department of Financial Services has published a resource titled “Know Your Rights, Homeowners Claims Bill of Rights.”

For additional resources on insurance claims, explore here. Alternatively, you can reach out to our main office at 877-351-1933, and we’d be pleased to discuss your rights over the phone or arrange a complimentary inspection of your claim.