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

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
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
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
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
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
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
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
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
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
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

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Your Insurance Company has a Claim Adjuster… Shouldn’t You?

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Recovery Insurance Adjusters

East Coast Florida:
4365 SW Thicket Court
Palm City, FL 34990
772-237-0892

West Coast Florida:
868 Banyan Court
Marco Island, FL 34145
239-877-1305

Joseph P. Connelly, Lic. #E157037

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