Adjusters are professionals who evaluate, document, and help determine the value of an insurance claim after property damage. The key difference is who they work for—the insurance company or you, the policyholder.
The Main Types of Insurance Adjusters
1) Company (Staff) Adjuster
A company adjuster works directly for the insurance company. Their job is to investigate the loss and apply the policy according to the insurer’s procedures.
2) Independent Adjuster
An independent adjuster is hired by the insurance company (as a vendor/contractor) to inspect damage and report findings—still representing the insurer’s interests.
3) Public Adjuster (Works for the Public / Policyholder)
A public adjuster represents you (the insured). Public adjusters are licensed by the state and are hired to help document damages, prepare claim support, and negotiate for a fair settlement on the policyholder’s behalf. In Florida, public adjusting is defined and regulated by statute, including limits on who may prepare/file/assist with claims for compensation.
Read: What is a Public Adjuster?
Why the Difference Matters
When you file a claim, the insurance company may assign a company or independent adjuster. That adjuster is not your advocate. If you want a claims professional who works in your best interest, a public adjuster is the option built for policyholders. Public adjusters do not work for the insurance company and typically charge a fee (often a percentage) for representation. :contentReference[oaicite:1]{index=1}
What a Public Adjuster Does for Your Claim
- Inspects the property and documents visible and hidden damage
- Prepares a detailed scope of loss and itemized estimate
- Reviews policy language to identify applicable coverages
- Organizes photos, reports, inventories, and claim documentation
- Coordinates experts when needed (engineers, accountants, specialty trades)
- Negotiates with the carrier for a complete, supported settlement
When Hiring a Public Adjuster Helps Most
- You believe the claim is underpaid, delayed, or improperly denied
- The scope is complex (roof systems, water migration, smoke/soot, commercial losses)
- You need strong documentation to support supplements
- You want a professional to manage the claim end-to-end
Experienced Public Adjusters: We Work for the Public
Experienced Public Adjusters represents homeowners, property managers, and business owners—not insurance companies. We handle claims from start to finish with a documentation-first approach designed to support full and fair payment under the policy.
About Us
- We work with you from start to finish.
- We handle most claims—big or small.
- We are Florida State licensed, bonded, and insured.
- We work on your behalf—not the insurance provider.
- We provide clear communication and guidance during the claim process.
Claim Types We Handle
We assist with many property insurance losses, including:
- Hurricane & Wind Storms
- Hail Damage
- Roof Damage
- Commercial Loss
- Fire and Smoke Damage
- Water Damage & Pipe Leaks
- Flood
- Vandalism & Theft
- Sinkhole Damage
- Lightning
- Power Outage
- Business Interruption
Fire / Smoke Claims
Fire losses can involve structural damage, smoke/soot penetration, odor sealing, and content impacts. These claims should be estimated using a fine-tooth comb so every covered dollar is properly supported.
Water Damage / Plumbing Leaks
From supply line failures and appliance leaks to slab breaks, water losses must be handled urgently. Proper moisture mapping, documentation, and repair scoping are critical for a complete claim.
Free Claim Review
If you’re looking for help with an insurance claim, call our team now:
Or start here: Request a Free Claim Review
We’re here to help—contact us today.
Contact Experienced Public Adjusters
Experienced Public Adjusters, LLC
Florida Licensed Public Adjusters
Serving homeowners and businesses throughout Florida
Phone: (888) 881-8416
Availability: 24/7 Free Claim Review
Primary Office (Florida):
Hoffner Avenue, Florida
We assist policyholders statewide, including Orlando, Tampa, Daytona Beach, Naples, and surrounding areas.