What Is a Public Adjuster?
A public adjuster is a licensed insurance claims professional who advocates exclusively for property owners — never the insurance company. When your home or business suffers damage, the insurance company sends their own adjuster to evaluate the loss. That adjuster works for the insurer. A public adjuster works for you.
Why Florida Homeowners Need Public Adjusters
Florida faces unique property damage risks: hurricanes, tropical storms, flooding, and persistent moisture issues. Insurance claims in Florida can be complex, involving wind-versus-water disputes, assignment of benefits issues, and strict filing deadlines.
A licensed public adjuster understands Florida insurance law, knows how to properly document damage, and has experience negotiating with every major carrier in the state.
When to Hire a Public Adjuster
The best time to involve a public adjuster is immediately after damage occurs — before you file your claim. However, public adjusters also help with:
- Denied claims that deserve a second look
- Underpaid settlements that don’t cover repair costs
- Reopened claims when additional damage is discovered
- Supplement claims for work that exceeds the original estimate
The Claims Process With a Public Adjuster
- Free inspection — We assess your property damage at no cost
- Documentation — Professional estimates, photos, and moisture readings
- Claim filing — We file or supplement your claim with complete documentation
- Negotiation — Direct negotiation with your insurance company
- Settlement — You receive the maximum payout your policy allows