Independent Claims Adjusting Services in Miami, Florida

The adjusting process is the complete workflow followed from the moment an assignment is received until the final report is delivered. While details vary depending on claim type such as auto, property, liability, cargo, or SIU, the core process remains consistent.

Assignment Received
The claim is formally submitted to our adjusting firm. Assignments typically include claimant or insured contact information, date of loss, incident details, required tasks, policy information when applicable, and any carrier specific instructions. The assignment is logged and the file is officially opened.

Initial Acknowledgment Within 24 Hours
We notify the examiner that the claim has been received, confirm the assigned adjuster, and provide a clear timeline for first contact.

First Contact Within 24 to 48 Hours
The adjuster contacts all relevant parties including insureds, claimants, witnesses, attorneys when applicable, and law enforcement or agencies if required. The purpose is to introduce the adjuster, confirm claim facts, schedule inspections or interviews, and identify missing information. Prompt professional contact sets expectations and reduces complaints.

Investigation Phase
This is the core of the adjuster role. Depending on the claim, the investigation may include interviews and statements, vehicle inspections, property inspections, scene inspections, drone or 3D capture when needed, and collection of all supporting documentation such as photos, police reports, medical records, estimates, receipts, ownership proof, and weather data. Evidence is gathered to support coverage evaluation including policy conditions, exclusions, limits, and deductibles. Throughout the investigation, the examiner receives ongoing updates through reports, emails, and calls for urgent matters.

Reporting Phase
High quality firms deliver structured reports throughout the claim lifecycle. Preliminary reports outline early findings and immediate concerns. Status reports provide updates on progress and outstanding items. Final reports include a clear chronological summary, factual findings, supporting evidence, statements, damage estimates when applicable, and conclusions. Every report undergoes supervisor review, technical review, proofreading, and final sign off to ensure clarity and completeness.

File Closure
Once the final report is delivered, the adjuster confirms the examiner has all required data, completes system updates, resolves follow ups, and formally closes the file. Claims may be reopened later for litigation or supplemental evidence and our team remains available when that occurs.

Reopenings When Needed
Claims may reopen due to disputes, additional damages, new evidence, or reinspection requests. The adjuster continues the investigation based on carrier direction.