Storm damage in Pensacola or the Florida Panhandle? Request your free damage inspection.
Your insurer has trained adjusters, estimating software, and a team built to evaluate your claim for the company. A public adjuster gives you that same level of expertise, on your side.
Most homeowners assume the insurance company's adjuster is there to help them. The adjuster's job is to protect the company that pays them.
These are the problems a public adjuster helps homeowners catch and fix.
You focus on your family and your home. We manage the claim.
We read your policy line by line and explain what it covers, in plain language.
Photos, measurements, and written scope for every damaged area, so the full loss is on record.
Proper valuation and scope breakdowns, backed by expert estimates and construction pricing.
We handle the calls, the paperwork, and the pushback, and we escalate when needed.
No chasing vendors or decoding insurance letters. We keep the claim moving.
When funds are secured, we can coordinate licensed contractors if you want. You always choose who repairs your home.
Florida law sets deadlines for your insurer and for you. Knowing them protects your claim.
For a hurricane, the date of loss is the date of landfall. For other weather events, it is the date the National Oceanic and Atmospheric Administration verifies the event.
Your insurer must review and acknowledge your claim communications.
If a physical inspection is needed, your insurer must complete it within 30 days after receiving your proof-of-loss statements.
Your insurer must pay or deny your claim, in whole or in part, and explain its decision in writing. Limited exceptions apply.
The deadline to give your insurer notice of an initial or reopened claim, in line with your policy's terms.
The deadline to give notice of a supplemental claim, in line with your policy's terms.
Source: Florida Statutes sections 627.70131 and 627.70132, as published for 2026. Your policy may add requirements. Ask us if you are unsure which deadlines apply to you.
The State of Florida licenses public adjusters and regulates what they can charge.
The most a Florida public adjuster may charge, as a share of insurance payments.
Deductibles are not included in the amount a fee can be based on. Source: Florida Statutes section 626.854(11).
In Florida, only licensed public adjusters and attorneys may handle claims for pay. Ask for any adjuster's license number and verify it with the Florida Department of Financial Services.
Your fee and your rights are set out in a written contract before a fee can be collected on your claim payments.
You can cancel without penalty within 10 days after signing. For state-of-emergency claims, the window is 30 days after the date of loss or 10 days after signing, whichever is longer.
After a hurricane or major loss. When the damage is extensive. When your insurer's estimate seems too low. When your claim was denied or only partly paid. Or when you simply do not have the time or the expertise to manage the claim yourself.
Tell us where your property is and what happened. The inspection is free.