Frequently Asked Questions

A licensed Public Adjuster is an independent property loss expert who represents YOU—the policyholder—in evaluating, preparing, filing, and negotiating property insurance claims. Unlike insurance company adjusters, we work exclusively for your best interests.

Ricardo Ferrer works on a strict contingency fee basis ('No Recovery, No Fee'). You pay nothing out of pocket. We only get paid a small percentage if we successfully recover a settlement payout for you.

Yes! In Florida, you have the right to re-open closed, underpaid, or denied insurance claims. Ricardo Ferrer frequently audits closed claims and recovers substantial additional money for policyholders.

As soon as possible! Contacting us before or immediately after notifying your insurance carrier allows us to document initial damage, prevent claim errors, and set up your claim for maximum settlement value.

We handle all commercial and residential property insurance losses, including water leaks, burst pipes, fire and smoke, hurricane windstorm, flood surge, mold, and structural damage.