Below are some of the most frequently asked questions about public adjusters.
What does a public adjuster do in Florida?
A public adjuster represents policyholders, not insurance companies. We investigate property damage, prepare claim documentation, negotiate with the insurance carrier, and work to secure the full settlement our clients are entitled to under their policy. Our job is to protect homeowners and business owners throughout the claims process.
When should I hire a public adjuster?
You should consider hiring a public adjuster if:
- Your claim was denied or underpaid
- The settlement offer does not cover repairs
- You are overwhelmed by the claims process
- You experienced major damage such as fire, water, hurricane, or mold
- You want professional representation from day one
The earlier we are involved, the more we can usually help.
Can a public adjuster help with a denied insurance claim in Florida?
Yes. Denied claims are one of the most common reasons Florida property owners contact us. Insurance companies may deny claims due to documentation gaps, policy interpretation, or disputed cause of loss. We review the denial, identify missing or misapplied information, gather new evidence, and formally challenge the decision. Many denied claims can be reopened and successfully corrected when handled properly.
Can a public adjuster help with an underpaid insurance claim in Florida?
Yes. Underpaid claims often result from incomplete damage estimates, overlooked repairs, or pricing errors. We perform a full independent inspection, prepare a detailed scope of loss, and present accurate documentation to the insurance carrier. Our goal is to ensure the claim reflects the true cost of restoring the property under the policy terms.
Do public adjusters work for the insurance company?
No. We work only for you, the policyholder. Insurance adjusters work for the insurance company. Our role is to level the playing field and make sure your claim is properly documented and fairly evaluated.
How much does a public adjuster cost in Florida?
Florida public adjusters work on a contingency basis, meaning we are only paid if we successfully improve or recover your settlement. There are no upfront fees. This allows homeowners to get professional help without financial risk.
Can a public adjuster help with denied or underpaid claims?
Yes. Denied and underpaid claims are one of the most common reasons clients contact us. We routinely reopen claims, identify missing damage, correct documentation errors, and present new evidence that leads to improved outcomes.
What types of claims do you handle?
We assist with:
- Hurricane and storm damage
- Water damage and plumbing leaks
- Fire and smoke damage
- Mold claims
- Roof damage
- Flood-related losses
- Business interruption claims
What Florida cities does Florida’s Best Public Adjusters serve?
We proudly serve homeowners and businesses throughout Florida, including:
- Orlando
- Boca Raton
- Fort Lauderdale
- Miami
- West Palm Beach
- Tampa
- Naples
- Fort Myers
- Jacksonville
- Coral Springs
- Hollywood
- Pembroke Pines
- Delray Beach
- Tallahassee
And all surrounding areas across North, South and Central Florida.
How long do I have to file a homeowners insurance claim in Florida?
Florida law sets deadlines based on the type of loss and policy language. Waiting too long can reduce or eliminate your ability to recover. We always recommend contacting a public adjuster as soon as damage is discovered.
Will hiring a public adjuster delay my claim?
In most cases, no. In fact, claims often move faster once properly documented and professionally presented. We handle communication with the insurance company so our clients can focus on recovery.
Why choose Florida’s Best Public Adjusters?
Clients choose us because:
- We are Florida-based and locally experienced
- We specialize in denied and underpaid claims
- We provide personalized, hands-on service
- We work on contingency
- We focus on results, not volume
Our goal is simple: to help Florida property owners recover properly and confidently.
