What a public adjuster does — and why it matters who the adjuster works for

Three kinds of adjusters

After you report damage, you may hear the word “adjuster” a lot. It can mean three different people:

The insurance company's adjuster may be professional and courteous. But their job is to evaluate the claim for the insurance company. A public adjuster's job is to make sure your side of the claim — the full damage, the coverage your policy actually provides, and the documentation to support it — is presented properly.

What we do on a claim

• Read your policy — coverages, limits, deductibles, exclusions and deadlines, explained in plain language.
• Inspect the property — including damage that's easy to miss: under floors, inside walls, in the attic, on the roof.
• Document the loss — photos, measurements, moisture readings where relevant, and detailed repair estimates.
• Prepare and present the claim to the insurance company, and respond to their requests.
• Handle the back-and-forth — re-inspections, questions, and disagreements over scope or price.
• Keep you informed at every step, in English or Spanish.

What a public adjuster doesn't do

• We don't guarantee an amount or an outcome. What the insurance company pays depends on your policy and the facts of the loss.
• We don't practice law. If your situation requires a lawsuit or legal advice, you'll need an attorney.
• We aren't a contractor. You choose who repairs your property.

When hiring a public adjuster makes sense

Not every claim needs one. A small, simple claim that your insurance company is handling fairly may not. Consider talking to a public adjuster when:

• The damage is large or complicated (roof, hurricane, fire, widespread water damage).
• You don't have the time — or the energy — to manage a claim while dealing with the damage.
• Your claim was denied, or the payment doesn't match what contractors say repairs will cost.
• You own a mobile or manufactured home and aren't sure how your policy treats it.
• You'd rather handle the claim in Spanish.

If we review your situation and don't think we'd add value, we'll tell you.

Check any public adjuster's license

Public adjusters in Florida are licensed and regulated by the Florida Department of Financial Services. Before you hire anyone — including us — you can look up their license on the DFS licensee search. Florida law also limits the fees public adjusters can charge and gives you a period to cancel the contract after signing. We explain both before you sign.

Serving Kissimmee and Central Florida

Our office is at 595 W Carroll St in Kissimmee. We work with property owners throughout Central Florida. Call to confirm we can take your property's location.