Updated November 2, 2026. General claim information and public-adjuster commentary. Policy dates, loss facts and later legal developments can change the answer. A Florida attorney should advise on legal rights, deadlines and litigation.
After a hurricane, urgent repairs and unfamiliar paperwork can put owners under pressure. Evaluate credentials, the written scope and payment terms rather than judging a professional solely by how they first contacted you.
Verify the person and the work
Check applicable contractor and mold-service licenses through Florida DBPR, and public-adjuster credentials through the DFS license search. Ask who will supervise the job, what work is included and how unexpected conditions will be handled. A contractor may explain its bid; acting as your insurance representative requires the appropriate authority.
Understand the agreement before authorizing non-emergency work
- Identify the scope, pricing basis and approval process for additional charges.
- Keep a copy of all signed documents and promised terms.
- Clarify what you owe if insurance pays less than the contractor bills.
- Have legal questions about assignments, payment directions, liens or releases reviewed by a Florida attorney.
Do not delay safe emergency protection because you are waiting for a claim review. Document necessary work and report the loss promptly.
The AOB change does not remove contractor choice
The 2022 reform restricted specified assignments of post-loss benefits for newer policies. It did not prohibit hiring an owner-selected remediation company or turn every direction-to-pay form into an unlawful assignment. Read the current AOB guide. The practical concern is that owners may need to manage contractor payment and disputed insurance benefits separately.
Keep the work and claim records connected
Save photographs, reports, estimates, invoices and written explanations. Ask qualified professionals to document restoration conditions and necessary repairs. For roofs, use the current 25% rule explanation; for water and mold, use the restoration standards guide.
Concerned about a claim payment?
Experienced Public Adjusters helps Florida property owners document damage and present supported claims, with a focus on luxury homes, complex residential losses, condominium and HOA master policies, and commercial property.
Call (888) 881-8416 Request a claim review
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David Dwyer, designated primary adjuster: Florida license W391016. Experienced Public Adjusters: firm license W807213. Representation is subject to a written agreement; no settlement outcome is guaranteed.