Learn More About The Claim Process!

We Work for You, Not For The Insucance Company

Thank you for entrusting your insurance claim to Florida’s Best Public Adjusters. We are committed to securing a fair and equitable insurance settlement for you.

This document is intended to walk you through the insurance claims process. PLEASE READ IT THOROUGHLY! While we strive to take the “complicated” out of the insurance claims process on your behalf, you will still have questions.

Your public adjuster will photograph, sketch, take infrared pictures when needed, collect your policy information, make copies of all paperwork and complete our letter of representation for your signature.

Making it Easy


As experienced public adjusters, we understand that real estate insurance claims can be complex and overwhelming. That’s why we’ve meticulously crafted a step-by-step guide to make the journey as smooth and transparent as possible. When you partner with us, you’re not just getting a public adjuster; you’re getting a dedicated team ready to advocate for you at every turn. Explore the steps below to discover how we’ll guide you through the often intricate landscape of insurance claims, from start to finish.



Schedule your free phone claim consultation. Give us a call or send us a message. We are available 24/7.


Inspection & Estimate

Our Public Adjusters will do property inspection and gather as much information as possible. The adjuster will create an estimate of damages and determine – whether residential or commercial properties – how much of the owner’s everyday life has been interrupted. This will be used to submit the claim to the insurance company.


Settlement Offer

Your insurance company is obligated to make a decision within 90 days. You receive either a settlement offer, or your claim denied. We are by your side, and have your best interest in mind.



Our licensed public adjusters are ready to negotiate your settlement on your behalf. We Through appraisals and mediation, we’ve been able to consistently get homeowners more in their settlement.


Settlement Payout

This is every property owner’s favorite part of the process, when you get paid the biggest possible settlement. Florida’s Best Public Adjusters is dedicated to getting you the most for your property damage.


Florida's Best Public Adjusters

At our firm, we’re aligned with your objectives – securing the highest possible financial restitution for the damage sustained by your property or enterprise. Our team of Public Adjusters is dedicated to optimizing your insurance claim’s value.

Notably, we hold the top spot in Google Search rankings as the leading Public Adjuster. What sets us apart is our unwavering commitment to serving your best interests, as we work exclusively for you, not the insurance provider. Our mission is clear: to assist you in fully maximizing your insurance claim.

Stephen Lippy

CEO & Founder of Florida’s Best Public Adjusters

Why Choose
Florida’s Best Public Adjusters?

  • Zero up-front cost to you for our claims adjuster service… If you don’t get results we don’t get paid.
  • Average claims data shows policy holders who hired a public adjuster for non-catastrophic claims received 574% more money than those who did not hire a PA. Policy holders who hired a public adjuster for Hurricane related claims received 747% more money.
  • Our claims adjuster professionals have been helping homeowners get proper settlements for more than three decades.

30+ Years of Experience

Three decades of expertise, guiding you through every claim with unmatched knowledge and precision.

No Up-Front Cost

We handle your case with zero upfront fees. No results, no charge. Your success is our priority.

Up to 747% More Money

Our clients receive 574% more for non-catastrophic claims and 747% more for hurricane-related claims. Maximize your settlement.

We Work For YOU! Not the insurance Company

Public Adjusters are licensed by the State of Florida and are very good at what we do. We understand the industry inside and out. We have the staff to fight the insurance companies. One last thing, did I mention that we work for You not the insurance company? Please give us an opportunity to help take care of your next claim. Call us before you call your insurance company. We work for YOU not the insurance company.

Insurance Companies Do Not Have Your Best Interest At Heart. WE DO!

In the world of insurance claims, it’s essential to remember that insurance companies operate to protect their own bottom line. While they may promise to be there when you need them, their primary objective is to minimize payouts and maximize profits. At Florida’s Best Public Adjusters, we understand the reality of this industry and are dedicated to representing your best interests throughout the claims process.

The Insurance Company Will Send Out Their Adjuster To Adjust Your Claim, But Their Adjuster Works For Them! Not You!

Once your claim gets going, your helpful insurance company or their Independent Adjuster will bring in a Professional Engineer (PE) to swing by your property to determine what caused your claim. But here’s the twist – the PE isn’t working for you, the PE works for, you guessed it, the insurance company. The main mission of the PE hired by your insurance company is to uncover reasons to reject your claim. So, don’t bother asking them or your insurance company for a copy of their report; they won’t hand it over. They call it their “work product.” No worries, though; we’ve got our own team of Professional Engineers ready to professionally write reports for us, if needed.

No Results, No Charge

Did we mention we work for You not the insurance company? We work on a contingency basis. We don’t get paid until we get you results. If you have been denied or underpaid on a prior claim what do you have to lose? Let us reopen the claim. If we take your claim we will get you results.

Tips from the experts

Tips to file property damage claims in Florida

Our public adjusters handle all a wide a range of property damage claims. Water damage, fire damage, and roof damage are the most common types of claims in Florida. We offer a list of tips and information to help you file property damage claims.
  • DO NOT sign or agree to anything without consulting us first.
  • Contact us if you receive anything from the insurance company that does not show us as receiving a copy.
  • Please note that your insurance company has 90 days to pay or deny your claim. Do not make any assumptions as to how much your insurance company will pay or when they will pay.
  • Payments are generally sent to our office, but occasionally will be mailed to you. In the event it is sent to you, please contact us so we can walk you through the process. Insurance company drafts are generally issued to the named insured on the policy, any mortgage holders and our company.
  • Since we are paid on a contingent fee basis, i.e., we only get paid if you do, we will issue a payout report on each payment you receive. Our policy is to endorse your insurance check at the time we receive payment from you.
  • If you have a mortgage on your home, the mortgage holder will be shown as a payee on your check, per the terms of your insurance policy. We have no control over this, nor can we get involved. It is your responsibility to contact your mortgage holder for its procedures for endorsing insurance payments. We will provide you with a copy of the estimate/award to give to your mortgage holder.
  • In some cases, and depending on your policy, Mediation is filed with the Florida Department of Financial Services. Mediation is a process where a neutral third party meets with us and the insurance company representative to reach an agreement both parties can accept. Mediation is paid for by the insurance company and offers us the opportunity to explain what we believe you are entitled to under your insurance claim. It is our job to organize and represent you at the claims process proceedings. All named insured’s are required to attend.
  • In other cases, we file a Demand for Appraisal with your insurance company. An appraisal is a process involving two appraisers, one for the insurer and one for the insured (your adjuster), who appraise the damages to your property. The two appraisers select a mutual and neutral umpire in case the two appraisers cannot agree on the amount of damage associated with the claim. The two appraisers schedule a date to inspect the property and each prepares an estimate for the sustained damages. If the two appraisers do not agree on the amount of loss, then the mutual umpire is brought in to decide the final amount of the loss. The umpire’s fees are equally shared by the insurer and the insured. Whatever decision is made in the appraisal, either by the two appraisers or the umpire and one appraiser, the settlement is final. This is binding and completes the claims process. You cannot take your claim to litigation after the appraisal process is completed in most cases.
  • Generally, we are able to secure the settlement you deserve through Mediation or Appraisal. If not, we may recommend litigation and will recommend, and work with, an attorney who is highly skilled in insurance claim litigation.
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.
no obligation consultation


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!

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.