Questions homeowners ask about public adjusters

A public adjuster is a licensed professional who works for the policyholder, not the insurance company. We review your policy, document your damage, prepare and file your claim, and negotiate with your insurer to pursue the full amount your policy covers. In Florida, only licensed public adjusters and attorneys may do this work for pay.

The insurance company's adjuster is employed or hired by the insurer, so their loyalty is to the company that pays them. A public adjuster is hired by you. Our only job is to protect your financial interests and fight for the outcome you are owed.

You are not required to hire one. It is most worth considering after a hurricane or other major loss, when the damage is extensive, when your insurer's estimate seems low, when your claim was denied or only partly paid, or when you do not have the time or expertise to manage the claim. A free inspection is a no-cost way to find out where you stand.

Florida law caps what a public adjuster can charge. For claims tied to a declared state of emergency, such as a hurricane, and made within one year of the declaration, the cap is 10% of the insurance payments. For other claims, the cap is 20%. A public adjuster cannot charge a fee on money your insurer already paid, or committed in writing to pay, before you signed. Your fee is set out in a written contract, and your damage inspection with us is free.

Yes. You can bring us in at any stage, including after a denial or a low estimate. Florida law does not allow a public adjuster to charge a fee on payments your insurer made, or committed to in writing, before you signed.

Under Florida law, notice of an initial or reopened property insurance claim is due within 1 year after the date of loss, and notice of a supplemental claim within 18 months, in line with your policy's terms. For a hurricane, the date of loss is the date of landfall. Do not wait: documentation is strongest while the damage is fresh.

Florida law requires your insurer to acknowledge your claim communications within 7 calendar days, to complete a physical inspection, if one is needed, within 30 days after receiving your proof-of-loss statements, and to pay or deny the claim, in whole or in part, within 60 days after notice of the claim. Limited exceptions apply, and your policy may add requirements.

No. You choose who repairs your home. Once your funds are secured, we can help you coordinate trusted, licensed, and insured professionals if you want that help, but the decision is always yours.

Yes. Florida law gives you the right to cancel without penalty within 10 days after signing. For claims tied to a declared state of emergency, the window is 30 days after the date of loss or 10 days after signing, whichever is longer. Cancellation must be in writing, and your contract explains how.

Ask for the adjuster's name and Florida license number, and verify it with the Florida Department of Financial Services. Only licensed public adjusters and attorneys may handle property insurance claims for pay in Florida.

We represent homeowners and property owners across Florida, including Pensacola and the Panhandle, Jacksonville, Orlando, Fort Myers, and Key Largo. Request a free inspection and tell us where your property is.

Yes. We offer a no-cost Pre-Loss Inspection as part of our Storm Response Program. We document your building systems, finishes, and vulnerabilities ahead of time, so we are ready to act immediately after a disaster, without delay or confusion. Preparation is key to maximizing claim value and minimizing downtime.

We are with you from start to finish. Our team handles everything from emergency mitigation coordination and insurance negotiations to contractor oversight and closeout. You will never have to chase multiple vendors or wonder who is accountable. We handle it all.

Absolutely. We have successfully managed claims for high-rise condos, multi-family buildings, HOAs, clubhouses, and common areas across Florida. These complex settings require precise documentation, negotiation expertise, and an understanding of shared systems and insurance nuances, all of which we specialize in.

We maintain year-round readiness. We can deploy emergency crews and resources within 24 to 48 hours. Because we have already documented your property before the storm, we begin work immediately while others are still organizing their teams.

Our licensed public adjusters understand policy language, carrier tactics, and construction pricing. We build detailed claim packages with proper valuation, scope breakdowns, and photographic evidence, backed by pre-loss data and expert estimates. This supports maximum recovery with minimal pushback.

We challenge it. Our team is skilled in reopening and escalating claims when necessary. We often recover thousands or even millions more for communities that were initially shortchanged. We are your advocate at every step, and we do not back down.

We provide clear, regular updates to boards and property managers. During restoration, we are also available to speak with residents, attend meetings, and explain what to expect. Our job is to make your board's job easier, not more complicated.

Contractors repair buildings. We recover money. Our job is to advocate solely for your financial interests, not to prioritize a construction backlog. Once your funds are secured, we can help you coordinate trusted licensed professionals to complete the work, but our loyalty is always to the policyholder.