FREQUENTLY ASKED QUESTIONS

Promptly report the loss to the insurance company, or even easier, call Recovery Insurance Adjusters and we will immediately report the claim for you when you retain our services.

Public Adjusters work up an itemized estimate of all the damages to your property, as well as a physical inventory of your personal property in order to make sure all provisions of your policy produce the maximum benefit for you, the policy holder. The report generated by our trained adjuster can make a significant difference in the amount of the final adjustment.

Compensation is based upon a percentage of the Insurance Company’s settlement and the Public Adjuster is not paid until you are paid. There are no up-front fees for this service.

Initially, there is NO COST for the consultation at your property. We then work on a contingency fee basis, if there is NO RECOVERY, there is NO FEE. We only get paid when we deliver results for you. There is no risk to you or your finances. The only risk you have is not having us file your claim, thereby possibly receiving a lesser settlement.

Insurance company adjusters represent the insurance company. As Public Adjusters, Recovery Insurance Adjusters works exclusively for the insured policyholder. Using our experience, expertise and knowledge, our goal is to obtain a more equitable and favorable claim award for YOU

No! An insurance agent is a salesperson usually trained in sales, not in adjusting claims.

Yes! A Public Insurance Adjuster must be tested, licensed, bonded, and authorized to practice his/her profession.

Many people have difficulty understanding the technical language of the insurance policy and the complicated procedures they must follow to comply with the policy’s terms. Most people do not realize that the insurance company adjusters are trained professionals who represent the interests of the insurance company which employs them. You can protect YOUR interests by employing a public adjuster whose sole responsibility is to serve you, the insured

Yes, but are you truly qualified and knowledgeable with the specialized expertise to ensure that you are receiving your full entitlements? It is important to remember that the insurance company has an expert representing them; don’t you deserve the benefit of an expert representing you?

Examples to consider:

  • Do you repair your own car or do you take it to a trained mechanic who has the knowledge and experience to do the repairs fully and correctly?
  • If you are dealing with a legal matter, do you represent yourself, or, do you hire an Attorney who is an expert in the particular field of law that is in question?

If you have a medical need, do you treat yourself, or, do you visit a doctor who is an expert in treating your condition

Great company and staff. Special thanks to pricila our private adjuster she was great from the start to the end she fought to the end I totally recommend to anyone. Blessings
Robbin Ramos
Robbin Ramos
14:03 20 Jun 22
I was referred to RIA and Joe to get an accurate number for repairs to submit to my insurance company that had shorted us an unreasonable amount for hurricane damages. He was extremely professional and down to the detail in his documentation. It provided us really good footing when we eventually went to litigation with the insurance company.He helped represent us in our first meeting with the insurance company before we had to hire a lawyer to go further due to the insurance company's no-show and refusal to award money. Joe always made sure we were in the know of what was going on and what was going to happen.I'd be remiss if I didn't mention Cathleen. Cathleen always called to check up on us during this 2 year process and to update us on what was going on. Always friendly and always caring.Our whole experience with RIA was amazing, especially when you are feeling distraught about damages to your home. I would gladly use their services again should I incur storm damages I need to refute in the future.
Jason Mazzota
Jason Mazzota
16:14 08 Jun 22
Priscilla was our PA and she made every step.of the process simple and seamless. We only ever had to sign papers and return them to her, and we never once had to fight with or make.phone calls to our insurance. I don't know what we would have done without Priscilla handling our claim and being our advocate.10/10 would recommend working with Priscilla if you have an insurance claim that you need help handling!
Kimberle Williams
Kimberle Williams
15:43 08 Jun 22
RIA is certainly the expert in helping you recover from insured damages. We made the right move, getting their input up front and engaging them on damages to my elderly parents home. They provided excellent input, stayed engaged and provided crucial advice right up to the end. Thank you Joe, Irene and the RIA team!
Patrick LaConte
Patrick LaConte
20:20 26 Apr 22
I highly recommend Joe Connelly and his team. They were very thorough and a pleasure to work with. We would have been stiffed by our insurance company without Joe's support. Thanks Joe!!
Jason Hoffman
Jason Hoffman
16:38 20 Apr 22
We are very grateful and most thankful for the experience and outcome Recovery Insurance Adjusters provided our family with our roof claim. Irene Villa of RIA walked us through every step of this process. She was both honest and direct; being a true advocate for the homeowner. I would highly recommend Recovery Insurance Adjusters. They truly work hard for their clients and make it their goal to provide them the proper outcome and resolution.
Katie Norris
Katie Norris
20:22 16 Mar 22
Irene was wonderful to work with! She knew exactly what needed to be done and did everything in a timely manner.
Debi Conley
Debi Conley
02:47 23 Feb 22
I highly recommend Joe Connelly and his team. Without their help, we never would have gotten our new roof. Our Insurance Company acknowledged the storm damage and then tried to say the damage was less than our deductible. We called Joe, and with his expertise and help, we were able to get a complete new roof, including skylights and gutters. I always recommend RIA to everyone I know.
michelle golinski
michelle golinski
22:15 29 May 20
Joe Connelly from Recovery Insurance Adjusters and his assistant Cathleen Owen were extremely helpful and successful in obtaining monies from our insurance company to replace our roof after receiving damage from Hurricane Irma. It was a long process but that was because our Insurance Company was uncooperative. I would recommend this company and have already done so.
Kathy Erickson
Kathy Erickson
18:40 19 May 20
After returning from our vacation and finding that our master bedroom, master bathroom and pool side bathroom had been flooded because of a failed pipe valve, We called Recovery Insurance Adjusters. They took it from there and contacted our insurance company and negotiated with them on our behalf. The process was smooth and the recovery was smooth and the claim paid without any help from us. Thank you Joe Connelly and Recovery Insurance adjusters!
Philip Picco
Philip Picco
14:34 12 May 20
THE EXPERIENCE WAS WHAT YOU WOULD EXPECT. JOE AND CATHLEEN WERE EXCEPTIONAL AND WONDERFUL TO WORK WITH. THEY WORKED OVER A YEAR AND A HALF AND THIER KNOWLEDGEABLE WAS INCREDIBLE . MY CLAIM WAS DENIED AND I HAD NO IDEA HOW TO TAKE ON THE INSURANCE COMPANY. THE AWARD WAS 3 X WHAT THE INSURANCE COMPANY COULD HAVE PAID IF THEY SETTLED WITH ME IN THE BEGINNING . CATHLEEN LIKES RED WINE
James Zandlo
James Zandlo
13:46 08 May 20
On NYE I found a leak in my kitchen that had been ongoing, I did some research and called RIA the next day. Irene came out 1/2 and did an assessment and took care of literally EVERYTHING. She called in a mold remediation company and dealt with our insurance company for our claim. We gave her receipts and kept in contact and she did as well. The entire process was made so easy because of RIA. THANK YOU SO MUCH!!
Katelyn Williams
Katelyn Williams
21:13 23 Apr 20
In the end the insurance company paid the full loss and Recovery was consistent in emphasizing patience. Claim was from Hurricane Irma - so patience was key. Lesson learned that if you want to fight with the insurance company better to have someone like Recovery leading your change.
Mike Moran
Mike Moran
12:27 15 Mar 20
Joe did an assessment of our storm damage and represented us threw this process. Always informed us throughout his negotiation from assessmentof damages to the use of appraisal and umpire. Joe did a superb job and never backed down. Thank You Joe,Bob & Fran Federico
Bob & Fran Federico
Bob & Fran Federico
23:01 21 Feb 20
I would highly recommend Joe and RIA, who represented my Irma related insurance case very effectively. There is no way I could have represented myself and achieved anywhere close to the result that Joe and RIA were able to. Joe understands the details of insurance contracts, the state laws and the ins and outs of the whole adjustment process extremely well. I found communication to be clear and very straightforward, particularly when we reached points where I had a decision to make about which way to proceed. At the same time, I felt Joe was very honest and professional with the insurance carrier, adjusters and other representatives so that we could reach both a good and a fair outcome for both parties.
Michael Jacobs
Michael Jacobs
19:31 06 Jan 20
I was referred to Irene Villa as we were having some problems with an Insurance Claim. Irene was incredibly helpful and knowledgeable about the current state of the insurance industry in general. She gave me several ideas without taking our case. I was amazed how helpful she was without any company or personal gain. Thank you.
Julie Louden
Julie Louden
21:20 12 Nov 19
Recovery Insurance Adjusters did an outstanding job handling our claim. We had never used a public adjuster before, but we now know the value of their services. Joe, Cathleen, and Irene were a pleasure to work with and our successful outcome is the result of their expertise, determination and professional representation. We highly recommend RIA - they are truly the best!
pamela heeb
pamela heeb
00:02 10 Sep 19
RIA has an incredibly detail oriented and professional staff. Joe and Irene handled our slab leak claim from the start to the very end, and were able to negotiate an amount above our expectations. Irene was always accessible and returned calls in hours, not days. Do not attempt to handle a claim on your own, use these experts to advocate for your best interests.
Patrick Dayan
Patrick Dayan
17:41 06 Aug 19
We asked Joe Connelly of Recovery Insurance Adjusters to help us out after Irma. We knew we had damage as a tree hit our home. Joe Connelly handled EVERYTHING. He inspected the damage done to our home himself spending hours doing so. He met with the insurance adjusters at our home pointing out damage that Irma had caused that the Insurance Company's adjuster never thought of addressing. Joe made all the phone calls to the insurance company. He was our representative to the insurance company and essentially lifted the chore of dealing with the insurance company off our shoulders. The bottom line is Joe was able to negotiate a fair settlement that was more than twice what the insurance company offered initially and well worth his small fee.I would strongly recommend Joe Connelly and Recovery Insurance Adjusters.
Pete Lashenka
Pete Lashenka
12:29 16 Mar 18

GET IN TOUCH

For a Complimentary Evaluation, contact us today!
Your Insurance Company has a Claim Adjuster… Shouldn’t You?

Tell Us About Your Claim:

Contact Info


Recovery Insurance Adjusters

Stuart, Florida
4365 SW Thicket Court
Palm City, FL 34990
772-237-0892 / 239-877-1305

Port St Lucie, Florida
772-237-0892 / 239-877-1305

Melbourne, Florida
772-237-0892 / 239-877-1305

Vero Beach, Florida
772-237-0892 / 239-877-1305

Maine
47 Mount View Pines Road,
Lovell, Maine 04051
207-925-1766

Joseph P. Connelly
MAINE: Lic #ADN147954
FLORIDA:  Lic #E157037

Social

THIS IS A SOLICITATION FOR BUSINESS. IF YOU HAVE HAD A CLAIM FOR AN INSURED PROPERTY LOSS OR DAMAGAE AND YOU ARE SATISFIED WITH THE PAYMENT BY YOUR INSURER, YOU MAY DISGREGARD THIS ADVERTISEMENT.

THE CONSUMER IS RESPONSIBLE FOR PAYMENT OF ANY INSURANCE DEDUCTIBLE. IT IS INSURANCE FRAUD PUNISHABLE AS A FELONY OF THE THIRD DEGREE FOR A CONTRACTOR TO KNOWINGLY OR WILLFULLY, AND WITH INTENT TO INJURE, DEFRAUD, OR DECEIVE, PAY, WAIVE, OR REBATE ALL OR PART OF AN INSURANCE DEDUCTIBLE APPLICABLE TO PAYMENT TO THE CONTRACTOR FOR REPAIRS TO A PROPERTY COVERED BY A PROPERTY INSURANCE POLICY; AND IT IS INSURANCE FRAUD PUNISHABLE AS A FELONY OF THE THIRD DEGREE TO INTENTIONALLY FILE AN INSURANCE CLAIM CONTAINING ANY FALSE, INCOMPLETE, OR MISLEADING INFORMATION.