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Denied and Underpaid Claims
Public Adjusters

Get the fair settlement you deserve for denied and underpaid claims

Denied and underpaid insurance claims are a problem that continues to run rampant throughout Florida. While home or commercial damages can be devastating, fighting for the proper settlement can be even more frustrating. Since on average homeowners have one claim every 25 years, they are at a total disadvantage in evaluating and understanding what they are entitled to receive to restore their home or business to a pre-loss condition.

There is a great book about claims called, “Delay, Deny, and Defend,” written by Jay M. Feinman about how insurance companies use their claim process to make more money by paying out less on claims.

Florida’s Best Public Adjusters helps individuals and businesses receive a fair insurance claim settlement and manages the process for you. Even if your claim has been denied or if you have been grossly underpaid, our adjusters can review the loss, and cause of loss and we can have the denial letter reviewed by knowledgeable attorneys whom we refer to every day. We do these things at no cost before agreeing to accept your claim.

Every property owner needs a Public Adjuster. Our adjusters are qualified and experienced to help you receive the settlement you deserve.

The more you know

Tips for Denied and Underpaid Claims In Florida

The ways that your home or business can be damaged can be endless. From hurricane damage, to roof leaks to water damage, your claim process should begin with our adjusters working with you to understand what happened, gather documentation, and determine if anything else needs to be done to ease the situation.

While our adjusters estimate the damage, they also consider other items that may be claimed under your policy and let the insurance company know the amount that you should be paid. If you choose to handle the claim alone, this is where you’ll likely receive a denial or underpaid claim from your insurance company.

In a lot of cases, a denied and underpaid claim may be due to a lack of documentation. If you have been given an unfair settlement, it’s wise to review all of the documentation you have including times, dates, and steps you’ve taken to protect your property.

With over thirty years of experience, our Florida Public Adjusters are trained to effectively negotiate and reopen denied or underpaid claims.

Home and particularly commercial insurance claims in Florida can be extremely complex, especially if a claim is re-opened for further settlement. Specializing in pursuing settlements of denied and underpaid claims, we’ve successfully received a number of clients settlements. Some of our most recent underpaid claim success stories include:

  • Pipe Leak Damage, insurance offered $11,456.48, we obtained $20,751.25
  • Mold Damage, insurance paid $1,517.00 after deductible, we obtained $42,800.00 more!
  • Water Damage, insurance offered $3,250.00, we obtained $47.000.000
  • Lightning Damage, insurance offered $4,722.00, we obtained an additional $36,600.00

No matter if your damage is big or small, our Florida public adjusters have been able to fight for the settlement that you deserve and receive maximum benefits. It is common that we can reopen insurance claims from three years ago to analyze whether the policyholder was given a fair and equitable recovery for their damage.

It’s not too late to get the settlement you deserve. While insurance companies have their own team of adjusters, you should be entitled to your own experts.Contact Florida’s Best Public Adjusters today.

On underpaid claims, based on a review of all claims we have taken since opening our doors, we, on average, double what the insurance company has paid. Of course, our commission is only on the new money received.  We are not entitled to a commission on prior payments. 

Aaron Skloff
Aaron Skloff
October 30, 2023
Stephen was very knowledgeable and sincerely took an interest.
July 28, 2022
Florida’s Best Public Adjusters ARE the best. Our adjuster came to the house a few times to scope out the damage from a water leak and he spent quite a bit of time measuring the affected areas. The resulting claim amount was amazing. If we had handled the insurance company ourselves we would have come up way short. We highly recommend and trust Florida’s Best. Thanks Julian!
Erika Clancy
Erika Clancy
May 1, 2022
Stephen Lippy was great to work with! Very informative and communicative throughout the process. We were not familiar with the public adjusting process but Steve and his team helped walk us through everything and explained things very thoroughly.
Ken Fraidin
Ken Fraidin
April 8, 2022
Julian & Florida's Best Public Adjusters were extremely helpful in getting winning my claim. They were easy to work with, very responsive & made the process very easy. I recommend them highly.
Miriam B. R.
Miriam B. R.
May 6, 2021
Stephen Lippy is a professional and experience PA. Stephen is knowledgeable and reliable. He provided personal attention and was always available to answer all questions. Excellent services!
Nekisha Hyman
Nekisha Hyman
May 5, 2021
Receive a referral from a friend for this company. I was very pleased with the way they handled my claim and were able to resolve my issues without too much hassle from the insurance company. Their follow through is amazing. The follow up after things are resolved is exceptional.
scott solomon
scott solomon
May 4, 2021
The professional service we received made our insurance claim easy.
Ryan Steele
Ryan Steele
March 17, 2021
Stephen got my denial reversed….had all to do with his reputation, and not the “luck of the Irish” on this St. Patrick's day! Him and his team are very professional, responsive and caring during the entire ordeal. If they are not on your team, you have chosen poorly.
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Once we establish we can help you, and its in your best interest to file an insurance claim, we will schedule an onsite inspection. Speak with one of our adjusters today to start your insurance claim!

We are available 24/7!


Confused about your insurance claim? Not sure if you’re getting the compensation you deserve? Let us introduce you to a game-changing solution – the public adjuster.

At Florida’s Best Public Adjusters, we believe that you deserve every dollar of your insurance claim, and more. Our experienced team of public adjusters is here to guide you through the labyrinth of insurance claims, advocating for your rights and ensuring that you receive the highest possible settlement.

So, what exactly is a public adjuster, and how can we work to your advantage?

A public adjuster is your personal insurance advocate. We are licensed professionals, working independently from insurance companies, with one primary objective: to protect your interests and maximize your settlement. Our expertise lies in understanding the intricate details of insurance policies, navigating the claims process, and negotiating on your behalf.

How Can a Public Adjuster Benefit You?

Insurance Expertise: Public adjusters are policy wizards, ensuring you get the best payout possible.

Streamlined Process: Say goodbye to claim complications; we make it easy.

Negotiation Process: Our recent case proves it, we turned a $13,000 offer into an incredible $175,000 settlement!



If your home or business has been damaged or your claim has been underpaid, call us for a free consultation. We will negotiate with the insurance companies to obtain the maximum settlement.

Our public adjusters in Florida will file all proper documentation and go to the depositions on your behalf.

We work for you not the insurance companies. We have a team of highly experienced professionals who are here to help adjust your claim.

Insurance Claim Tips, News and More.


Your go-to resource for all things insurance claim related. Stay informed with the latest news, gain valuable insights, and discover essential tips to navigate the complex world of insurance claims. Whether you’re a homeowner, business owner, or simply curious about the industry, our blog is your trusted source for expert advice. Explore our posts and empower yourself to make informed decisions.