Public Adjusters in Florida

A public adjuster is an independent, state-licensed insurance professional who represents you, the policyholder, rather than the insurance company. We inspect property damage, interpret policy coverage, prepare detailed loss estimates, and negotiate directly with your insurer to ensure you receive the full settlement you are owed under your policy.

• Insurance Company Adjuster (or Independent Adjuster): Employed or hired directly by the insurance carrier to evaluate damage on their behalf and protect the carrier’s financial interests.
• Licensed Public Adjuster: Licensed by the Florida Department of Financial Services (DFS) to represent you, the policyholder. A public adjuster works exclusively for you, ensuring your damage is thoroughly documented, accurately scoped, and fairly compensated.

• 10% cap: For claims arising from a state of emergency declared by the Governor (applies during the first year following the declaration).
• 20% cap: For standard non-emergency claims, reopened claims, or supplemental claims.

Yes. If your insurance company issued an insufficient payout or denied your claim, a public adjuster can reopen the file or submit a supplemental claim. They will conduct a forensic re-inspection, document overlooked or under-scoped damage, and submit fresh evidence to negotiate the additional funds required to repair your property.

• Initial or Reopened Claims: Must be reported to your insurance carrier within 1 year of the date of loss.
• Supplemental Claims: Must be filed within 18 months of the date of loss.