When disaster strikes—whether it’s a hurricane, fire, or flood—Florida property owners turn to their insurance companies expecting a fair and timely payout. Unfortunately, that’s not always what they get. Navigating an insurance claim can be confusing, time-consuming, and often frustrating. That’s where Trust Public Adjusting Group comes in.
The Power of Proper Estimating
One of the biggest mistakes we see in insurance claims is poor estimating. Many property owners rely on contractors to provide estimates after a loss. While contractors are skilled at building and repairing, they are not trained in policy interpretation or insurance estimating. Most importantly, they often don’t include line-byline values that reflect both Actual Cash Value (ACV) and Replacement Cost Value (RCV)—two critical components of a proper claim.
ACV vs RCV
At Trust Public Adjusting Group, we specialize in insurance estimating. We don’t just walk through a damaged building with a clipboard—we dig deep into the real costs of materials, labor, code upgrades, and depreciation. We use Level 3 Certified Xactimate Writers, the highest credential available for professionals using Xactimate®, the industry-standard estimating software required by most insurance carriers. Our estimates are written to include both ACV and RCV, ensuring full transparency and maximum recovery.
Here’s what many policyholders don’t realize: if you plan to pursue your claim legally—your estimate must include both RCV and ACV. It’s a legal requirement. Without it, your case can be delayed, dismissed, or underpaid. We also work closely with contractors, attorneys, and engineers when needed, but our estimating remains independent and policy-driven. However, contractors rarely include these values because their job is to build, not to interpret policy language or meet legal documentation standards. That’s why relying on a contractor’s quote alone can significantly hurt your claim.
Why Trust Public Adjusting Group
We handle every step of the estimating and negotiation process with precision, backed by years of experience. By using Level 3 Certified Xactimate writers, we ensure that every estimate meets the highest industry standards, complies with legal requirements, and cannot be easily disputed.
TRUST PUBLIC ADJUSTING GROUP
Serving Volusia County
Sterling Scott | License #W333253
Call: 386-456-6885 | Text: 850-708-2582
trustpublicadjustinggroup.com
claims@TrustPublicAdjusting.com
