As one of the most trusted public adjuster firms in Florida for over 13 years, Murphy ETC Claims has handled over 4,000 insurance claims in Florida, helping homeowners and commercial property owners to receive over $200 million in insurance proceeds. We are bonded, licensed and insured, which is important to protect your liability when you have someone inspecting your property damage.
We have represented property owners through 6 Florida hurricanes and numerous other claims involving mold, fire, broken pipes, theft, vandalism, lightning and wind damage from storms, and most recently business interruption insurance.
Insurance claims involve a lot of paperwork, follow up and headaches. Insurance companies are simply not motivated to give you the biggest possible payout. They are profit driven corporations whose ideal scenario is to maximize insurance policy premiums, and minimize claims payouts. That’s where we come in. As a Florida Licensed Public Adjuster we work for you, the policy holder and not for the insurance company. Our interest in maximizing your claim is so strong that if you don’t get paid, we don’t get paid. We’ll do all of the paperwork, document your claim using the latest technology, help you to find reputable trades to stop further damage, speak to the insurance company on your behalf, and work on your claim until you receive your check. Unlike a contractor, we do not repair the damage and you the policyholder will remain in full control of how to spend your reimbursement. We can refer you to excellent trades, but ultimately it is your choice.
Whether you have lost your roof or have a small plumbing leak, our experienced team is here to help.
A Florida Public Adjuster is a licensed, independent professional hired by a homeowner or business owner to represent their interests in an insurance claim in order to maximize the recovery.
A Florida Public Adjuster is an expert who reviews the typical 40 plus page insurance policy document, complete with endorsements, exclusions and changing provisions. As your representative it is our job to identify opportunities to maximize your insurance claim.
A Florida Public Adjuster is able to represent both homeowners and commercial property owners. They are the ONLY type of claims adjuster who is legally able to represent the rights of you the insured during the claims process.
It is the objective of the Florida Public Adjuster to return the property owner to their pre-loss condition.
As soon as you submit your insurance claim, the insurance company will assign an adjuster to evaluate your loss. This adjuster is employed by the insurance company and will represent their best interests, and not yours.
At Murphy ETC Claims, our only job is to represent you. We will prepare your claim, file it on your behalf, and negotiate the best possible financial settlement for your loss.
We begin by conducting a no-obligation walkthrough of your property, either physically or virtually, to assess the damage. We’re like damage detectives and will look for hidden issues that are often missed and can lead to unexpected expenses down the road. We’ll thoroughly review your policy and make sure we understand all of the fine print before submitting your claim. You may have coverage for additional living expenses, loss of use and business interruption. If you do, we’ll find it and make sure it is part of your claim.
We work with some amazing property inspectors, engineers, construction consultants and financial experts who will help provide the backup documentation to support your maximum claim. We’ll take care of coordinating those inspections, and insurance company conversations, to make this process as painless as possible for you. Working with us is like having a ninja in your corner, ready to fight your battles!