If you own a home, condo, rental property, or business in Florida, a property loss can turn into a second job: documenting damage, reading policy language, meeting adjusters, and pushing back on underpayments. A Florida public adjuster is the licensed professional who handles the claim for the policyholder—not the insurance company—so your damages are properly documented, valued, and negotiated.
Free claim review + free onsite inspection. Call 24/7:
(888) 881-8416
What is a Florida Public Adjuster?
A Florida public adjuster (also called a public insurance adjuster) is a Florida Department of Financial Services (DFS)-licensed claims professional who represents the insured in a property insurance claim. Public adjusters help with:
- Inspecting and documenting damage
- Preparing a detailed, line-item estimate and claim package
- Reviewing policy coverages, exclusions, and conditions
- Coordinating experts when needed (engineers, hygienists, accountants, accountants, etc.)
- Negotiating with the carrier’s field/desk adjusters to reach a fair settlement
Key difference: the insurance company adjuster works for the carrier. A public adjuster works for you.
When should you hire a public adjuster?
Most people call us in one of these situations:
- Denied claim or underpayment
- Large losses (water, fire, hurricane/wind, roof, commercial)
- High net worth properties with complex materials/finishes
- Scope disputes (the carrier left items out of the estimate)
- Matching / uniform appearance issues across connected areas
- Code upgrade and repair-method disputes
- Business interruption and time-element losses
If the carrier is “agreeing to pay something,” that does not mean they’re paying what they should. The settlement amount depends on scope, pricing, documentation, and policy language—this is where experienced claim handling changes outcomes.
How we handle Florida property claims (start to finish)
- Free claim review (what happened, what the carrier has done, what’s missing)
- Onsite inspection and documentation (photos, measurements, moisture mapping as needed)
- Damage scope + estimate built to real-world repair methods and local pricing
- Policy review (coverage, limits, deductibles, endorsements, conditions)
- Claim package submission with supporting documentation
- Negotiation with the carrier to reach fair value
- Escalation when needed (appraisal support / expert coordination / attorney referral when appropriate)
Claims we handle
We handle most residential and commercial property claims, including:
- All Claim Types
- Water damage (including disputes over long-term seepage vs. sudden/accidental)
- Fire & smoke
- Hurricane & windstorm
- Roof damage
- Vandalism & theft
- Sinkhole damage
- Lightning
- Power outage
- Business interruption
- Hail
No claim is too small to review—and high-severity losses require expert documentation from day one.
High net worth & complex claims
We frequently handle high net worth and complex property claims where finishes, custom materials, specialty trades, and strict restoration requirements create valuation disputes. We work with qualified experts as needed and build the documentation carriers require for fair payment.
We often deal with carriers commonly associated with high net worth policies (examples may include Chubb, PURE, AIG, USAA, and others). Coverage always depends on your specific policy and endorsements.
Where we serve
Experienced Public Adjusters serves Florida with offices and service coverage across key regions, including:
- Tampa, Florida
- Orlando (Baldwin Park), Florida
- Windermere, Florida
- Orlando (City of Orlando), Florida
- Lake Mary, Florida
- Daytona Beach, Florida
- Ft. Lauderdale, Florida
- Merritt Island, Florida
Corporate HQ: Orlando, Florida (Central Florida roots; statewide service capacity).
About Experienced Public Adjusters
Learn more here: About Us
- We handle claims start to finish
- Residential and commercial property losses (big or small)
- Florida licensed, bonded, and insured
- We work for the policyholder—not the insurance company
- We help reduce stress and protect your time during the claim process
FAQ
Do public adjusters charge upfront?
Most public adjusters work on a contingency fee (a percentage of the claim payment), and Florida law limits the maximum fee depending on the type of loss and whether there is a declared emergency.
Can you help if my claim was denied or underpaid?
Yes. If key line items were missed, the scope is incomplete, or pricing/documentation is insufficient, we rebuild the claim package and pursue the coverage and valuation supported by the policy and the facts.
Should I hire you at the beginning or after the insurer makes an offer?
Either. For large or complex losses, earlier involvement usually prevents documentation mistakes. If you already received an offer, we review what was missed and what support is required to correct it.
Get a free claim review
Free onsite inspection + no-cost claim review. Call 24/7:
(888) 881-8416
Prefer online? Contact Experienced Public Adjusters