A Public Adjuster is a licensed insurance professional who represents you, the policyholder - not the insurance company. We handle the preparation, documentation, and negotiation of property damage claims to ensure you receive the maximum settlement you’re entitled to.

A Public Adjuster represents you, the policyholder, while the insurance company’s adjuster represents the insurance company.

Our role is to document your damages, interpret your policy, and negotiate on your behalf to ensure you receive the full amount you’re entitled to. The insurance company’s adjuster, on the other hand, is hired to evaluate your claim from the insurer’s perspective, which can impact how your claim is handled and paid.

This is by far the question we're most asked, and it also happens to be the one that is most impossible to answer. The short answer? It depends. On what? Everything. The type of claim, who your insurance company is, the details of your loss, who your insurance company has assigned to inspect and evaluate your claim, and also who your insurance company has designated internally to make a coverage determination and claim payment, if any.

Pursuant to Florida Statutes, your insurance company has an obligation to pay or deny your claim within 60 days of their receipt of notice. Those statutes also state if there are factors outside the insurance company's control, they get an extension.

If your insurance company chooses to deny your claim, or refuses to negotiate and issue a fair payment, there’s a chance it could end up in litigation and the process can take quite a bit longer.

Rest assured, with our experience we will put you in the best position to receive the payment you deserve in the shortest amount of time possible.

Most policyholders are unfamiliar with the claims process and end up underpaid or denied altogether. A Public Adjuster levels the playing field by managing the entire claim, negotiating directly with your insurer, and protecting your interests throughout the process.

Ideally, you should hire a Public Adjuster as soon as you discover damage, before filing a claim. We can also step in if your claim has been underpaid, delayed, or denied, or if you're feeling overwhelmed by the process.

Getting started is simple. Reach out to our team for a free consultation, and we’ll review your situation, answer your questions, and explain your options.

If you decide to move forward, we’ll have you sign a Letter of Representation (LOR), which authorizes us to communicate directly with your insurance company on your behalf. From there, we handle everything, including inspecting the damage, reviewing your policy, and managing the entire claims process.

We offer a full range of services designed to support property owners before, during, and after an insurance claim. Our core service is Public Adjusting, where we handle the entire claims process from documentation to negotiation to help maximize your settlement.

In addition, we provide appraisal and umpire services for disputed claims, detailed policy reviews to uncover coverage opportunities, and pre-loss damage assessments to document property conditions before a claim ever occurs.

We also utilize advanced tools like Matterport 3D scans, drone and aerial imagery, and detailed property inspections to accurately capture and present damages. For claims that require it, we assist with mediation to help reach a fair resolution.

Whether you're dealing with an active claim or planning ahead, our goal is to protect your interests and ensure nothing is overlooked.

• Coverage accepted and settled in full
  Your insurance company can accept coverage and issue a payment. Insurance companies often expect some negotiation or may try to lowball you in hopes you will go away. Regardless of their intent, insurers rarely issue sufficient payment on the first try. If your insurance company issues payment, we will evaluate the sufficiency, and if the payment is inadequate we will either try to negotiate a higher payment, or seek resolution through a negotiated settlement release, appraisal or mediation. If any of these options are successful, your claim is finished and you can move forward with repairs.

• Coverage accepted and paid partially
  Your insurance company can accept coverage and issue a payment, and then refuse to issue any further payment. If a true impasse is reached, we can again attempt to settle this by mediation or appraisal if the policy allows, or an attorney may be needed to pursue the matter further. You can also choose to do the repairs with the partial payment from the insurance company and pay the remainder out of pocket. If you choose the latter, we can assist in trying to get you reimbursed, but at that stage the insurance company has leverage and reimbursement will be an uphill battle.

• Your claim can be unjustly denied
  If, despite our best efforts to present your covered claim, your insurance company chooses to deny your claim, you may need to hire an attorney to pursue your claim in court. This can happen for a number of reasons, including a genuine dispute over the cause and origin of loss, sometimes because damage was hidden or a homeowner was not present when the loss occurred, or as part of a broader carrier practice of delay, deny, defend.

• Your claim can be denied legitimately
  Insurance policies do not cover everything, and sometimes loss or damage to your home or business simply is not covered. Even when a denial appears legitimate under the policy, we will review and verify whether the insurer reached the correct conclusion and advise you accordingly.

Yes - We represent homeowners, HOAs, and businesses for wind, flood, water, fire, and more.

Public Adjusters charge a contingency fee based on a percentage of your settlement, meaning we only get paid if you do. There are no upfront costs or additional out-of-pocket expenses for our services. If your claim doesn’t result in a payout, you owe us nothing.

Your mortgage company is listed on your insurance check because they have a financial interest in your property and they are listed on the declarations page of your policy. Since they helped finance the home, they want to make sure the funds are used to properly repair the damage and protect the value of the property.

In most cases, the mortgage company will need to endorse the check and may hold the funds in escrow, releasing them in stages as repairs are completed.

Call or email us. We're happy to answer all your questions so you can make an informed decision regarding your claim(s).

You can also fill out the form provided below and a member of our team will reach out to you promptly!