Public adjusters for all of Florida
Our office is in Kissimmee, but your claim doesn't have to be. We represent property owners in every Florida county, from the Panhandle to the Keys, in English and Spanish.
Short answer: Yes, Claims Hunters takes property insurance claims anywhere in Florida: all 67 counties and every Florida ZIP code (they start with 32, 33 or 34). We're a Florida public adjusting firm based in Kissimmee. We inspect the property, document the damage and present the claim, in English or Spanish. The first claim review is free.
Florida regions and counties we serve
A Florida public adjuster license is issued by the Florida Department of Financial Services and is valid statewide. These are the regions, main cities, counties and ZIP code prefixes we cover:
| Region | Main cities | Counties | ZIP codes |
|---|---|---|---|
| Central Florida | Kissimmee, Orlando, St. Cloud, Sanford, Lakeland, Winter Haven, Ocala, The Villages, Daytona Beach | Osceola, Orange, Seminole, Lake, Polk, Sumter, Marion, Volusia | 321, 327, 328, 338, 344, 347 |
| Tampa Bay | Tampa, St. Petersburg, Clearwater, Brandon, Bradenton, Spring Hill | Hillsborough, Pinellas, Pasco, Hernando, Citrus, Manatee | 335, 336, 337, 342, 346 |
| Southwest Florida and the Heartland | Sarasota, Venice, Port Charlotte, Fort Myers, Cape Coral, Naples, Sebring | Sarasota, Charlotte, Lee, Collier, DeSoto, Hardee, Highlands, Hendry, Glades | 338, 339, 341, 342 |
| South Florida | Miami, Hialeah, Homestead, Fort Lauderdale, Hollywood, Boca Raton, West Palm Beach | Miami-Dade, Broward, Palm Beach | 330, 331, 332, 333, 334 |
| Florida Keys | Key Largo, Islamorada, Marathon, Key West | Monroe | 330 |
| Space Coast and Treasure Coast | Melbourne, Palm Bay, Cocoa, Titusville, Vero Beach, Port St. Lucie, Fort Pierce, Stuart | Brevard, Indian River, St. Lucie, Martin, Okeechobee | 329, 349 |
| Northeast Florida | Jacksonville, St. Augustine, Fernandina Beach, Orange Park, Palatka, Palm Coast | Duval, St. Johns, Nassau, Clay, Baker, Putnam, Flagler | 320, 321, 322 |
| North Central Florida | Gainesville, Lake City, Live Oak, Perry, Starke | Alachua, Columbia, Suwannee, Hamilton, Madison, Taylor, Lafayette, Dixie, Gilchrist, Levy, Union, Bradford | 320, 326 |
| Northwest Florida (Panhandle) | Pensacola, Navarre, Fort Walton Beach, Destin, Panama City, Tallahassee, Marianna | Escambia, Santa Rosa, Okaloosa, Walton, Holmes, Washington, Bay, Jackson, Calhoun, Gulf, Liberty, Franklin, Gadsden, Leon, Wakulla, Jefferson | 323, 324, 325 |
ZIP codes are grouped by their first three digits. Don't see your town? If it's in Florida, we cover it. Call to tell us where the property is.
How we handle a claim far from Kissimmee
- Start by phone or WhatsApp. Tell us what happened and send photos or video. We ask the three eligibility questions: are you the owner, is your insurance active, and do you already have a public adjuster or attorney on this claim?
- Free review. We read the insurance company's letters and your policy, and tell you honestly whether we can help.
- Inspection at the property. If you hire us, we inspect the damage in person and document it: photos, measurements, moisture readings where relevant, and a detailed estimate.
- We present the claim and handle the follow-up with the insurance company, and keep you updated in English or Spanish.
What we see in each part of Florida
- Southwest Florida, Tampa Bay and the Panhandle: hurricane wind damage to roofs, windows, screen enclosures and interiors after recent storms.
- South Florida: plumbing and AC water leaks, roof claims, and condo and HOA claims where the unit owner's and the association's policies overlap.
- Central Florida: wind and roof damage, and a large number of mobile and manufactured homes.
- North Florida: fallen trees, wind and hail damage, and water damage from storms.
- Everywhere: fire and smoke, water damage, and denied or underpaid claims, for homes and commercial property.
Flood damage from rising water is usually covered by a separate flood policy, not by a standard homeowners policy. If you're not sure which policy applies, ask us during the free review.
How public adjuster fees work in Florida
The initial claim review is free. If you hire us, our fee is a percentage of what the insurance company pays on the claim, agreed in writing before you sign. Florida law caps public adjuster fees (Fla. Stat. § 626.854), and the cap can be lower for claims tied to a declared state of emergency, such as a hurricane. We tell you which limit applies to your claim.
Coverage, limits, deductibles and outcomes depend on each policy and the facts of the loss. We do not guarantee amounts or results.
Service area questions
Do you work outside Kissimmee and Orlando?
Yes. We take property insurance claims anywhere in Florida, in all 67 counties: Miami, Tampa, Jacksonville, Fort Myers, Naples, Tallahassee, Pensacola, the Keys and everywhere in between.
Is a Florida public adjuster license valid in every county?
Yes. Public adjusters are licensed by the Florida Department of Financial Services, and the license is valid statewide. You can verify any adjuster's license on the DFS licensee search.
Do you serve my ZIP code?
If your property is in Florida, yes. Florida ZIP codes start with 32, 33 or 34, and we cover all of them.
How do I start if I live far from your office?
Call us or send photos and videos of the damage on WhatsApp, with the date it happened and your claim number if you have one. The first review is free, and we inspect the property in person if you hire us.
Do you help in Spanish outside Central Florida?
Yes. Our team works in English and Spanish for clients anywhere in Florida, from the first call to the end of the claim.
Do you handle commercial and condo claims statewide?
Yes. We work with business owners, landlords, churches, condo associations and HOAs across Florida. See commercial property claims.