Q. What is a public adjuster?

A.  A Public Adjuster is a professional who is licensed to represent you, the insured.  Here at Century Adjusting are adjusters are highly-skilled, professional insurance experts with a vast knowledge of insurance policies, co-insurance, depreciation, building and personal property damage assessments, repair and replacement costs and negotiation. 


Q.  Why should I hire a public adjuster?

A.  An insurance adjuster hired by an insurance company is going to protect the interests of their employer.   A Public Adjuster can take those major headaches away and let you get back to your home or business.  A typical insurance policy contains hundreds of provisions and stipulations, constantly changing forms and endorsements, and many complex details such as inventory appraisals and real estate evaluations that are required in case of a loss. Most policyholders do not know that the burden of proof is theirs.  Here at Century Adjusting we know the insurance business and are experts with the recovery process, and we have years of experience in delivering results for our clients. 


Q.  Why should I choose Century Adjusting Inc?

A.  Our reputation precedes us, with over 150 years of experience and over 4 Billion in claims, Century Adjusting Adjusters are highly qualified. We posses superior negotiating skills, knowledge of insurance laws and expertise in estimating property reconstruction.  Century Adjusting will work quickly for you with integrity and reliability. Our focus is maximizing and expediting our clients´ financial recovery from insurance claims.


Q.  What kind of claims?

A.  Century Adjusting works with both residential and commercial clients.  Some examples of the losses we work are damages as a result of a FIRE, SMOKE DAMAGE, HURRICANE, TORNADO, FLOOD, LIGHTNING, PIPE BURST, SEWER BACK UP, EXPLOSION, BURGLARY, VANDALISM, RIOT OR CIVIL COMMOTION, TRANSIT and BUSINESS INTERRUPTION.

Often, physical damage loss can trigger numerous additional losses for businesses.   Among the numerous business insurance forms we will assist with are BUSINESS INCOME, BUILDER’S RISK, MECHANICAL and ELECTRICAL BREAKDOWN, EXTRA EXPENSE and LEASEHOLD INTEREST.


Q.  Who are our clients?

A. We represent Condominium Associations, Building/Property Owners, Business Owners, Commercial Property Owners, Industrial Property Owners, Bank/Credit Unions, and Homeowners.


Q.  Is it expensive to hire Century Adjusting Inc.?

A.  Not at all!  We work strictly on a contingency basis.  In other words, you pay us a small percentage, only if you collect money from your insurance company.  If there is no recovery, then there are NO FEES.  In fact, we spend our own money and time documenting and resolving your claim before we are paid anything. 

Q.  What services can I expect from Century Adjusting? 

  • A free evaluation of your claim without obligation.

  • A detailed explanation of your insurance policy.

  • A detailed explanation of your claim as well as assistance in reviewing and providing the documents and information required as part of your duties after a loss. 

  • Scope and Estimate your property damage. 

  • Filing of your insurance claim with the insurance company. 

  • We make all appointments with the Insurance Company Adjuster and will meet with the Insurance Company Adjuster at your property.

  • Set appointments to review and discuss the damages and negotiate on your behalf to maximize your settlement amount. 

  • Keep you updated on the progress of your claim at all times.

  • Follow up on policy provisions such as Mediation or Appraisal in the event the Insurance Company does not agree with our settlement amount. 

  • Act as your Appraiser, if necessary. 

  • If required, aid you in obtaining industry expert professionals, such as engineers, environmentalists, etc. to assist in the settlement of your claim. 

  •  If necessary, we also provide the Insurance Company with expert testimony on your behalf by our hired professionals to prove and expedite your claim. 


Q.  Am I assured a higher settlement if I use your services?

A.The more thorough and complete the claim, the higher the settlement will be. We meticulously inspect the loss site and document the damages. On severe losses where all or most of the contents are destroyed by fire, stolen or blown away, we will go over a variety of checklists with you to help recap on a room by room basis, what was in the property at the time of the loss. Having a professional who is looking out for your best interests and who understands the "tricks of the trade" is invaluable.


Q.  Can I get money from a claim that was already settled?

A.  The answer is YES. You are entitled to receive a full and fair settlement. This means enough money to repair your damages. If you have been underpaid by your insurance company, you may file a claim supplement to re-open your claim and supplement your first payment. We can reopen a case up to five years from the date of the loss!


Q.  How can I contact Century Adjusting Inc?

A.  You can reach us at (787) 721-4821 or (305) 255-1616 and via email at info@centuryadjusting.com or simply visit www.centuryadjusting.com  


Q.  Who can I contact for a referral?

A.  Give us a call and we will gladly fax you a list of referrals.


8100 SW 81 Drive
Suite 230

Miami, FL

(305) 255-1616


FL Public Adjuster License - P106894


701 Avenida Ponce de León
Suite 100

Edificio Centro Seguros

San Juan, PR 00907

(787) 230-7114



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