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Can a property damage claim be re-opened? How about if it's been denied?
In many cases, property damage claims can be re-opened, even if they've been paid or denied. Florida law allows claims to be re-opened for up to five years after the date of the damage. A public insurance adjuster will audit and analyze your original claim to see if any information was missed or if the claim was wrongfully denied. If anything is found, a supplemental claim will be filed often resulting in a payment.

Will a Public Adjuster get a higher settlement from the insurance company?
A public insurance adjuster works to get you a higher settlement by making a detailed inventory of your property damage and by filing a detailed claim. Public adjusters are trained to evaluate property damage, including finding hidden damage, to insure that it is all documented and filed with your claim. This generally results in a higher settlement than would otherwise be received.

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What is a Public Insurance Adjuster?
A public adjuster is an insurance expert who inspects your property damage, evaluates the cost of the repairs, prepares your property damage claim and files it with your insurance company. Public insurance adjusters are licensed, bonded and regulated by the Florida Department of Financial Services. Unlike other types of adjusters, public insurance adjusters may only work for the public and not for insurance companies.

Can I handle my own claim?
The property damage claim process is a complicated one with many forms to fill and details to address. Furthermore, there will be an adjuster from the insurance company involved. It is important to have a public adjuster to help navigate the process and work on your behalf. Please download a report from the State of Florida by clicking on the link below to learn more about the benefits of obtaining the services of a public adjuster.

Alachua, Alford, Altamonte Springs, Altha, Anna Maria, Apalachicola, Apopka, Arcadia, Archer, Astatula, Atlantic Beach, Atlantis, Auburndale, Aventura, Avon Park, Bal Harbour, Baldwin, Bartow, Bascom, Bay Harbor Islands, Bay Lake, Bell, Belle Glade, Belle Isle, Belleair, Belleair Beach, Belleair Bluffs, Belleair Shore, Belleview, Beverly Beach, Biscayne Park, Blountstown, Boca Raton, Bonifay , Bonita Springs, Bowling Green, Boynton Beach, Bradenton Beach, Bradenton, Branford, Briny Breezes, Bristol, Bronson, Brooker, Brooksville, Bunnell, Bushnell, Callahan, Callaway, Campbellton, Cape Canaveral, Cape Coral, Carrabelle, Caryville, Casselberry, Cedar Key, Center Hill, Century, Chattahoochee, Chiefland, Chipley, Cinco Bayou, Clearwater, Clermont, Clewiston, Cloud Lake, Cocoa, Cocoa Beach, Coconut Creek, Coleman, Cooper City, Coral Gables, Coral Springs, Cottondale, Crescent City, Crestview, Cross City, Crystal River, Cutler Bay, Dade City, Dania Beach, Davenport, Davie, Daytona Beach, Daytona Beach Shores, DeBary, Deerfield Beach, DeFuniak Springs, DeLand, Delray Beach, Deltona, Destin, Doral, Dundee, Dunedin, Dunnellon, Eagle Lake, Eatonville, Ebro, Edgewater, Edgewood, El Portal, Esto, Eustis, Everglades City, Fanning Springs, Fellsmere, Fernandina Beach, Flagler Beach, Florida City, Fort Lauderdale, Fort Meade, Fort Myers Beach, Fort Myers, Fort Pierce, Fort Walton Beach, Fort White, Freeport, Frostproof, Fruitland Park, Gainesville, Glen Ridge, Glen St. Mary, Golden Beach, Golf, Graceville, Grand Ridge, Grant-Valkaria, Green Cove Springs, Greenacres, Greensboro, Greenville, Greenwood, Gretna, Groveland, Gulf Breeze, Gulf Stream, Gulfport, Haines City, Hallandale Beach, Hampton, Hastings, Havana, Haverhill, Hawthorne, Hialeah, Hialeah Gardens, High Springs, Highland Beach, Highland Park, Hillcrest Heights, Hilliard, Hillsboro Beach, Holly Hill, Hollywood, Holmes Beach, Homestead, Horseshoe Beach, Howey-in-the-Hills, Hypoluxo, Indialantic, Indian Creek, Indian Harbour Beach, Indian River Shores, Indian Rocks Beach, Indian Shores, Inglis, Interlachen, Inverness, Islamorada, Jacksonville Beach, Jacksonville, Jacob City, Jasper, Jay, Jennings, Juno Beach, Jupiter, Jupiter Inlet Colony, Jupiter Island, Kenneth City, Key Biscayne, Key Colony Beach, Key West, Keystone Heights, Kissimmee, LaBelle, LaCrosse, Lady Lake, Lake Alfred, Lake Buena Vista, Lake Butler, Lake City, Lake Clarke Shores, Lake Hamilton, Lake Helen, Lake Mary, Lake Park, Lake Placid, Lake Wales, Lake Worth, Lakeland, Lantana, Largo, Lauderdale Lakes, Lauderdale-by-the-Sea, Lauderhill, Laurel Hill, Lawtey, Layton, Lazy Lake, Lee, Leesburg, Lighthouse Point, Live Oak, Longboat Key, Longwood, Loxahatchee Groves, Lynn Haven, Macclenny, Madeira Beach, Madison, Maitland, Malabar, Malone, Manalapan, Mangonia Park, Marathon, Marco Island, Margate, Marianna, Marineland, Mary Esther, Mascotte, Mayo, McIntosh, Medley, Melbourne, Melbourne Beach, Melbourne Village, Mexico Beach, Miami Beach, Miami Gardens, Miami Lakes, Miami Shores, Miami Springs, Miami, Micanopy, Midway, Milton, Minneola, Miramar, Monticello, Montverde, Moore Haven, Mount Dora, Mulberry, Naples, Neptune Beach, New Port Richey, New Smyrna Beach, Newberry, Niceville, Noma, North Bay Village, North Lauderdale, North Miami, North Miami Beach, North Palm Beach, North Port, North Redington Beach, Oak Hill, Oakland, Oakland Park, Ocala, Ocean Breeze, Ocean Ridge, Ocoee, Okeechobee, Oldsmar, Opa-locka, Orange City, Orange Park, Orchid, Orlando, Ormond Beach, Otter Creek, Oviedo, Pahokee, Palatka, Palm Bay, Palm Beach, Palm Beach Gardens, Palm Beach Shores, Palm Coast, Palm Shores, Palm Springs, Palmetto, Palmetto Bay, Panama City Beach, Panama City, Parker, Parkland, Paxton, Pembroke Park, Pembroke Pines, Penney Farms, Pensacola, Perry, Pierson, Pinecrest, Pinellas Park, Plant City, Plantation, Polk City, Pomona Park, Pompano Beach, Ponce de Leon, Ponce Inlet, Port Orange, Port Richey, Port St. Joe, Port St. Lucie, Punta Gorda, Quincy, Raiford, Reddick, Redington Beach, Redington Shores, Riviera Beach, Rockledge, Royal Palm Beach, Safety Harbor, San Antonio, Sanford, Sanibel, Sarasota, Satellite Beach, Sea Ranch Lakes, Sebastian, Sebring, Seminole, Sewall's Point, Shalimar, Sneads, Sopchoppy, South Bay, South Daytona, South Miami, South Palm Beach, South Pasadena, Southwest Ranches, Springfield, St. Augustine Beach, St. Augustine, St. Cloud, St. Leo, St. Lucie Village, St. Marks, St. Pete Beach, St. Petersburg, Starke, Stuart, Sunny Isles Beach, Sunrise, Surfside, Sweetwater, Tallahassee #, Tamarac, Tampa, Tarpon Springs, Tavares, Temple Terrace, Tequesta, Titusville, Treasure Island, Trenton, Umatilla, Valparaiso, Venice, Vernon, Vero Beach, Virginia Gardens, Waldo, Wauchula, Wausau, Webster, Weeki Wachee, Welaka, Wellington, West Melbourne, West Miami, West Palm Beach, West Park, Weston, Westville, Wewahitchka, White Springs, Wildwood, Williston, Wilton Manors, Windermere, Winter Garden, Winter Haven, Winter Park, Winter Springs, Worthington Springs, Yankeetown, Zephyrhills, Zolfo Springs

Will my insurance company cancel my policy if I use a Public Adjuster?
By law you have the right to hire a public adjuster to advocate for you during the property damage claim process. The Florida Department of Financial Services handles licensing and bonding of public adjusters who are only allowed to represent private citizens. Your insurance company cannot cancel your policy, deny your claim, or take any other action against you for hiring a public adjuster.

Lic. # P182865
Mon-Sat 8am-8pm EST
Po Box 466, Pierson Fl. 32180


Why should I hire a Public Insurance Adjuster?
A public insurance adjuster will work on your behalf to maximize your property damage claim and your settlement for damages. In addition, you can expect the insurance company to send their own adjuster to evaluate the damage. This adjuster is there to find the details that will work in the insurance company's favor, while a public insurance adjuster works for you. A good public insurance adjuster stays abreast of changes in insurance policies and laws, and is familiar with the variety of documents and forms involved in filing an insurance claim.

How are Public Adjusters paid for their work?
A public insurance adjusters’ fee is a small percentage of the amount paid by the insurance company. These fees are regulated by the Florida Department of Financial Services. If the insurance company doesn’t issue payment, you pay nothing to the adjuster.