A public adjuster is a professional claims adjuster, licensed by the State of Florida, who can legally represent an insured (homeowner/business owner) during an insurance claims process. Typically, public adjusters help the insured receive the maximum amount for the loss by providing realistic values for the damages of the claim.

The insurance companies are big entities and are for-profit firms.  Without representation for yourself, how do you know you’re not being taken advantage of?  A public adjuster knows the state laws, regulations and how to read your policy.  Having a licensed professional on your side helps level the scales in order to get a fair settlement.

Yes.  In the state of Florida a claim can be re-opened by a public adjuster.  This will put the insurance company on notice that the settlement is in question and the public adjuster can start working on obtaining a proper settlement amount.

According to Florida statutes, an insured has 3 years to open, re-open or supplement a claim to their property.

A public adjuster receives a stated and agreed upon percentage of the funds received from the insurance claim.  The insured, property owner, is the one who pays this fee to their public adjuster.