Public adjuster
Licensed to represent the policyholder on the claim presentation: inspection, scope, estimate, documentation, and negotiation of the claim with the insurer under the PA agreement.
FLORIDA PUBLIC ADJUSTERS
A public adjuster on your side of the claim.
Your insurer has professionals looking out for the company. You can have a licensed public adjuster looking out for you — documenting the loss, organizing the file, and pursuing the payment your policy supports.
A real person. A clear next step.
WHY HIRE A PUBLIC ADJUSTER
Level the field on a process built around the carrier’s file.
Property insurance claims involve measurements, policy language, deadlines, and negotiations. The carrier’s adjuster works for the insurance company. A public adjuster is licensed to represent you — the policyholder — on the amount and presentation of the claim.
That does not mean every claim needs a PA, and it does not promise a particular dollar result. It means someone on your side can inspect, document, estimate, and communicate so the claim file reflects the full supported scope of loss.
INSURER INCENTIVES VS. POLICYHOLDER
Fair process starts with clear roles.
Insurers evaluate claims under the policy and their internal guidelines. Their adjusters and vendors are paid by the company. Policyholders often face the process alone — after a storm, a water loss, or a denial letter — without the same claim-building tools.
Hiring a public adjuster is about leveling that field with organized evidence and professional representation. We describe roles factually; we do not attack carriers with invented motives. Coverage and outcomes still depend on the policy and the facts.
Florida research context: OPPAGA Report 10-06 (2010) discussed differences in certain hurricane-claim median payments with and without public adjuster representation — historical research, not a prediction of your result. Read the study ↗︎
WHO DOES WHAT
Public adjuster vs. agent vs. attorney
Insurance agent
Helps you obtain and understand coverage and often assists with first notice of loss. Agents typically do not become your claim advocate the way a retained public adjuster does.
Attorney
Handles legal disputes, litigation, and legal advice. A PA focuses on the claim file and amount-of-loss presentation; counsel is engaged when legal action or legal advice is needed.
WHEN TO HIRE
New, underpaid, denied, or delayed
- New damage Start with a complete picture before evidence fades and temporary repairs blur the story.
- Underpaid The check arrived, but rooms, quantities, or repair operations still do not match what you see.
- Denied A denial is a position — match it to the policy and the documentation you can assemble.
- Delayed Weeks pass, requests repeat, and repairs sit. Delay has a paper trail worth organizing.
HOW WE WORK
From first conversation to claim presentation
Ready for a clearer next step?
Start with a free claim review. Hiring requires a written contract. Florida firm license G288962.