A public insurance adjuster is a licensed and bonded insurance professional that helps individuals with the homeowners insurance claim process. Unlike an insurance company adjuster, a public adjuster advocates exclusively for policyholders.

A public adjuster works for the policyholder to ensure their claim is settled in a fair and efficient manner. Their role can include: Evaluating damages and estimating the cost of and time it will take to repair or replace property or structures. Helping you understand your insurance policy, tracking the claim, filing documents and meeting deadlines. Acting as a liaison between you, the insurer, and any other third-parties such as attorneys or witnesses. Negotiating with your insurance company to achieve a fair payout.

All Florida Insurance Adjusters works on a contingency basis. This means that we don’t get paid until you do. Public Adjusters charge a percentage (Usually between 10-20%) of the net settlement of the claim, which is established at the very beginning of the claims process. We are then paid after the claim is settled, upon you receiving payment of your entitled proceeds. If we cannot achieve a settlement for you, we do not charge you for our services.

Under Florida Law, you have three years to report your claim from the "Date of Loss".

You should hire a public adjuster as soon as possible after the damage. EARLY help lets you document the loss, track deadlines, and handle the claim the right way from the start. If your claim has already been denied, delayed, or paid too low, you can still bring in a public adjuster for help.

Yes you can. Be prepared to document all aspects of your loss, try to understand the insurance policy you purchased and follow through with the agent and the company. However, if your loss is significant (more than $10,000) you should consider hiring a public adjuster to make sure you are properly represented. Remember, the insurance company has their own insurance professional expert representing them. Shouldn't you have professional representation too?

We are happy to answer any question you may have at any time! You can reach out to us via phone, email, fill out a contact form here, or Chat live with us now! See the chat below. We look forward to hearing from you!

We handle many types of property insurance claims, including hurricane, wind, water, roof, fire, and other covered property losses. If you are unsure whether your damage is covered, contact us for a review.

YES. If your claim was denied, delayed, or paid for less than expected, we can review the file and help you push for a fair result. We work to identify what was missed and present the claim properly.

YES. We represent insured property owners throughout Florida. No matter where your loss occurred in the state, you can contact us for help with your claim.

YES. We offer a FREE consultation to review your claim and damages. We can explain your options and help you decide whether hiring a public adjuster makes sense.