Public adjuster · Your side of the claim
Their adjuster works for the insurance company. Ours works for you.
You paid for the policy. Their adjuster is paid to settle it for the carrier. A licensed public adjuster inspects, documents the full loss, and negotiates the benefits that policy supports.
No recovery. No fee.
If we are hired, the fee is a percentage of the recovery we help obtain, in writing before you sign. The review is free. Hiring takes a written contract. We do not promise a dollar amount.
Individual licenses in 15 states
Florida firm G288962
Request a free claim review.
No recovery. No fee. Tell us about the property and where the claim stands.
Photo: Brickell skyline · Miami office at 1395 Brickell Avenue
Why homeowners call American Financial Claims
Benefits on your side of the table.
What a public adjuster does
Four jobs the carrier’s adjuster does for the insurer — not for you.
The company adjuster also inspects, documents, prices, and negotiates — for the insurance company. We do those same jobs for the policyholder, so the file reflects what the homeowner needs.
Inspect
We look at the property: roof, interior, and the damage a short visit misses. On site when the loss and the state call for it.
Document
Photos, measurements, invoices, moisture, matching, and the conditions the first estimate left out.
Price the scope
A line-item picture of the repair, tied to the policy. Not a round number from a phone call.
Negotiate
We present the evidence and deal with the carrier so you are not arguing quantities alone. Goal: the benefits the policy supports.
Who is on which side
Same claim. Different employer.
Insurance company adjuster
Paid by the carrier. Their job is to investigate and settle under the company’s process.
- Works for the insurer, not for you
- Writes the estimate the company starts from
- Closes the file on the carrier’s terms
Public adjuster
Licensed to represent you, the policyholder, on the claim.
- Inspects, documents, and estimates for you
- Negotiates the amount and the presentation
- Paid from the recovery. No recovery. No fee.
Your agent
Sells and explains coverage and can help you report a loss. An agent is not your claim advocate the way a retained public adjuster is.
A public adjuster
Handles the claim file: scope, evidence, and negotiation under a written contract. We are not your lawyer and we do not file lawsuits.
An attorney
Handles legal advice and lawsuits. If the matter needs counsel, we say so. See attorney claim consulting.
How it works
From the first call to the carrier’s desk.
Timing depends on access, the policy, and how the carrier responds. These are the steps, not a promised schedule. Full claims process.
Free consult
Tell us the loss, the carrier, and whether anyone has inspected. We say plainly if representation is likely to help.
Inspect
We read the policy and inspect when it is appropriate. You still give the insurer any notice the policy requires.
Document
Photos, measurements, and a scope that shows what it takes to put the property back.
Present & negotiate
We deal with the carrier. You stay informed. Our fee comes only from the recovery, as the contract describes.
When to hire
Call before the file hardens.
- You have not met their adjuster yetBest time. We prepare the inspection instead of reacting to their version.
- Denied or “closed”Start with the letter, the policy language they cite, and the evidence they ignored. Denied claims.
- UnderpaidThe check will not rebuild what you can see. Rooms, quantities, or trades are missing. Underpaid claims.
- Storm, hail, or a large roofHurricane, wind, hail, and multi-trade roofs. Hurricane · Roof · Hail.
- Water that traveledCeilings, cabinets, floors, and drying. A plumbing leak is rarely one room. Water.
- Commercial, HOA, or lost incomeBuildings, associations, and business interruption need a thicker file. Commercial.
- They want a signature todayA release or “final” offer can end the claim. Read it before you sign. We will look at it with you.
- The claim is just sittingWeeks of repeated requests. Delay has a paper trail. Delayed claims.
Client-authorized recoveries
Real claims. Real checks. Recovered vs carrier offer.
Recoveries clients authorized us to share. Every insurance claim is different, and prior results do not guarantee a similar outcome.
$345,000
Church · Tampa, FL
View result ↗︎Recoveries clients authorized us to share. Every insurance claim is different, and prior results do not guarantee a similar outcome. Amounts are before public-adjuster fees where disclosed. See all results →
FAQ
Straight answers before you hire anyone.
No recovery. No fee. Start with a free review, or text us now.
Text an adjusterWhat does a public adjuster actually do?
A licensed public adjuster represents the policyholder on a first-party property claim. We inspect, document, estimate, and negotiate the claim with the insurer under a written contract. We do not sell you a policy and we do not sue the carrier.
How is that different from the insurance company’s adjuster?
The company adjuster is paid by the insurer. A public adjuster is retained by you. Same loss, opposite side of the table.
What does “no recovery, no fee” mean?
If we do not obtain a recovery, you do not owe a public adjusting fee. When we are hired, the fee is a percentage of the recovery we help obtain. The percentage and what it applies to are in the contract before you sign. The claim review itself is free.
Should I call you before I talk to my insurer?
Call us before you walk the property with the insurer’s adjuster. Still give prompt notice if your policy requires it. The first inspection sets the file. Doing that alone is how underpaid claims start.
Can you promise a bigger check?
No. Outcome depends on the policy, the evidence, and the carrier. We will tell you if we do not think representation will help. Florida’s OPPAGA published Report 10-06 (2010) on certain hurricane claims. That is historical research, not a prediction of your result.
Where are you licensed?
Individual public adjusters are licensed in 15 states, including Florida, Texas, Colorado, Georgia, and others listed on our licensing page. The Florida firm license is G288962. We confirm the license that applies to your property before we are hired. We do not claim the firm holds a license in every state.
Do I need a lawyer instead?
Not always. American Financial Claims handles most claim files and settles many claims through the insurance process without a lawsuit. If you need legal advice, a coverage opinion from counsel, or litigation, that is a lawyer’s job — and we will tell you when it is time to bring one in.
What should I send for a free review?
Whatever you have: policy or declarations, claim number, carrier letters, photos, and any estimate or payment breakdown. A messy file is fine. You can also use the full claim review form.
No recovery. No fee.
Start with the file you already have.
Tell us the property, the carrier, and where the claim stands. A person from American Financial Claims calls you back.
This form does not hire us. Individual public adjusters are licensed in 15 states.