SUMMARY: I used the services of Trusted Public Adjusters (specifically, the owner Raul Amorin) for a significant insurance claim of mine that has recently been resolved. Overall, I had an extremely positive experience working with Raul, while also enjoying an outcome that was more favorable in terms of my payout than I expected possible. I highly valued his knowledge and professionalism through the process and I am convinced that I received a higher payout than I would have on my own, even after considering payment of TPA's fees. DETAILS: I own a 2nd home on Sanibel Island, Florida that was destroyed by Hurricane Ian in September 2022. We sustained significant wind damage, as well as having ~6ft of water in the house from the storm surge. The home was a complete loss and needed to be completely rebuilt due to the FEMA 50% rule. This is relevant to discussing the insurance process because it meant I would not have actual receipts from repairs that I could use during the claims process. Typically, the most effective way to fight an insurance company that understates the cost of repairs in their estimates is to show an actual receipt with a higher cost. But for my claim I would never have such receipts, so I anticipated a difficult process. But my background is in engineering and business, and I considered myself extremely capable of dealing with the insurance adjusters in both a technical and financial way. And I did have some success myself. For instance, I negotiated with my flood insurer through multiple rounds and eventually got the full payout of my policy's limit on my own. I intended to also negotiate the payout for the wind policy as well. But this policy was with a different insurer and it quickly became clear to me that they were employing every trick in the book to limit their payout (delay / deny / defend). Frankly, I was reaching the point of frustration and anger in dealing with them that I knew would be counterproductive. I was initially inclined to go the legal pathway. I found a lawyer through a personal connection and had a conversation where they convinced me that a public adjuster would likely be a more productive pathway than my legal options. And the lawyer personally recommended Raul. When I first connected with Raul, I immediately felt comfortable with him. He listened well and quickly understood where I was in the claims process and what the key issues were. He answered all my questions in detail and made sure we were aligned on expectations. We quickly negotiated an arrangement on fees that I felt was very reasonable. For instance, there was a certain aspect to my claim that I knew was unlikely to require much effort and so I was not inclined to want to pay a % of those funds to an adjuster. But I was happy to pay a fair price in other areas where I know there would be work and expertise required to be successful. And in the end, I was very pleased with the return I received versus the fees I paid for the public adjuster services. My process began with Raul doing his own Xactimate estimate of the damages to my home. Raul kept me informed throughout that process and I was pleased that he sought out and incorporated my own feedback in ways that could improve my claim. We did several revisions before we were satisfied with the result. From there Raul took the lead in negotiating with the insurer through several rounds. The negotiation process is something that requires patience. There was a period of back and forth for a few weeks where Raul gradually received increasing offers from our insurer. Ultimately, we settled at an amount that I thought was satisfactory, and that was definitely higher than I felt the insurer would have offered me as the owner if I had negotiated myself. I am not 100% sure I can explain why this is, but it seems to me that insurers feel that homeowners are less informed and therefore can be more easily pushed around. And I think a good public adjuster is just more successful because they have better knowledge of what is a reasonable outcome to expect for the coverage you have, more experience at negotiating, and deeper expertise at justifying why things should cost more. In the end, I believe we had a fair outcome in a reasonable time frame and I think Raul was the key reason we had this result. read more

I can't say enough great things about Raul and the team at Trusted Public Adjusters! This is not my first time working with them, and they have consistently delivered outstanding results on every insurance claim they've handled for me. From start to finish, their professionalism and attention to detail are unmatched. Raul's hard work and dedication gave me peace of mind, knowing my claim was in the best hands. The entire team goes above and beyond to ensure top-notch customer service, keeping me informed every step of the way and fighting to get the best possible outcome. As a repeat customer, I can confidently say I only trust Trusted Public Adjusters for all my property damage insurance claims. If you want a team that works tirelessly and truly cares about getting results, look no further than Raul and Trusted Public Adjusters. They are simply the best! Highly recommend! read more

There are no words to describe how grateful and appreciative I am of Raul. I have had 2 other adjusters and by far Raul has been the best. He was professional, friendly, ethical attentive and super communicative,.despite his busy schedule he makes the time for you and gives you frequent updates. I never had to chase him down, he was very proactive. Most Importantly his passion and determination to bring you the best outcome and get the most for the damages our house sustain was super evident. He went above and beyond and we had the issue resolved and payment for repairs within a month. It was incredible we were surprised and especially surprised and happy with the amount we got to help us repair the damages. I was most impressed with how knowledgeable and fast he is, attentive, caring and passionate he is about helping homeowners. Highly recommend Raul. read more

I had a triplex catch fire and a friend of mine referred me Raul with Trusted Public Adjusters. Thank god I used their services! Otherwise, I would not have gotten anything remotely close to what the ordeal will end up costing. Repair costs have gotten ridiculously expensive and you also have to deal with local government to get repairs done. It's insane! There are costs involved that you don't even consider until you start to do repairs. Raul took care of everything and stayed in constant communication with me while he was working with the Insurance Company. I've never done a review in my life, but in this case I felt it could help someone who finds themselves in this incredibly stressful situation. Using TPA is probably one of my best returns on investment ever! read more

Trusted, but more importantly Raul we're recommended to us by our attorney after our insurance company became a pain in the neck about paying a mold claim. Raul was on time, every time, he was compassionate with us in our plight, submitted all of the forms, correctly and the first time, listened to us and frankly, knew all of the answers. You can see in his performance that while young, is well experienced in the field. He made a point of being present when the insurance adjuster came to inspect the damage, to contribute to the deliberations of the extent of the damage. Incredibly responsible young man with a high professional motor to get things resolve. I'd recommend him without reservation. read more

I recently had the pleasure of working with Trusted Public Adjusters on a claim, and they exceeded all my expectations. From start to finish my adjuster, Raul J. Amorin, was professional, thorough, and communicative. He kept me updated at every stage, ensuring I understood the process and felt fully supported. What truly stood out was how Raul, made me feel like part of the family. His genuine care and dedication to my case was evident, providing a personal touch that made a stressful situation much more manageable. I wholeheartedly recommend Raul, to anyone in need of an exceptional adjuster. He is truly a standout professional in his field. read more

What a great experience with Trusted Public Adjusters! At first it was difficult for me to imagine leaving all communication with my insurance up to an adjuster, but when Raul explained the process I could tell he was very knowledgeable in the field and I felt I could trust him to do the job.. and I am so glad I did! Trusted Public Adjusters worked diligently and informed me of the status of my case all throughout the process. Thank you so much for gaining my trust and providing A+ service! Highly recommend. read more

Absolutely the best company to work with. I cannot begin to express the level of professionalism I received from the team at Trusted Public Adjusters. My adjuster fought hard to get my claim settled properly. Me and my family are great full to have been recommended to TPA. With any insurance issues, call them, you will not regret it. read more

Highly recommended!! The team at TPA were fast and efficient through the entire claim process. Dealing with the insurance company would have been a nightmare but Raul and his team made everything seamless. They were punctual to every meeting and showed me that they were fully prepared to defend me and resolve my claim. THANK YOU!! read more

We have never had a good experience with insurance companies before. Trusted Public Adjusters properly represented me and got me all the money I needed to properly fix my property. I'm very fortunate to have found this company. They are trustworthy people who care about their clients like family. read more

I was in need of assistance with water damage in my home and a friend recommended Darwin . He was able to help me from start to finish and explained the process step-by-step. He was really helpful. I would definitely recommend Trusted Public Adjusters. read more

This company is great! Always available to answer any questions. Guiding you thru every step of the settlement. Raul worked to get us the best outcome and now I will be able to get my new roof. I HIGHLY recommend them. Thanks read more

Highly recommended public adjuster! Well structured and very professional. Raul and his team are efficient, competent, and thorough. They made the process as smooth as possible, thanks so much! read more

I cannot say enough good things about this company and how professional they are! Highly recommend!