Licensed Public Adjusters · Serving All of Florida

The insurance company has an adjuster.
Now you do too.

We represent homeowners and business owners — not insurance companies. Our licensed public adjusters document every dollar of your loss, present your claim professionally, and negotiate for the settlement your policy actually owes you.

Get Your Free Claim Review How It Works

No recovery, no fee. You pay nothing unless we recover money for you.

Licensed & BondedFlorida public adjusters
No Recovery, No FeeWe're paid when you're paid
Free Policy ReviewKnow your coverage first
Res & CommercialHomes, condos, businesses

Claims We Handle

Any loss. Any size. Fully documented.

From a hidden slab leak to a total commercial fire loss, we build the claim the way it should have been built from day one.

🌀

Hurricane & Wind

Roof damage, wind-driven rain, structural damage, and the interior losses that follow long after the storm passes.

💧

Water & Plumbing

Pipe breaks, supply line failures, appliance leaks, and continuous seepage — including flooring, drywall, and cabinetry losses.

🔥

Fire & Smoke

Structure, contents, smoke and soot contamination, pack-out, and code-required upgrades. We handle large commercial fire losses.

🏠

Roof Leaks

Storm-created openings and resulting interior damage — documented with the evidence carriers require to pay.

🦠

Mold Damage

Mold resulting from covered water losses, remediation protocols, and the rebuild that comes after.

🔍

Hidden Damage

Shower pan failures, AC condensate line leaks, and slow damage behind walls that owners often discover too late.

The Difference Is Documentation

We build your claim line by line.

Insurance carriers pay what's documented — not what's obvious. Our estimates are built in industry-standard software, item by item, the same way carriers build theirs. Nothing gets missed, nothing gets left on the table.

ItemDescriptionDocumented
DRYDrywall removal, replacement & texture — full room scopeIncluded
FLRContinuous flooring — matching & full replacement where requiredIncluded
CABCabinetry, countertops & backsplash — like kind and qualityIncluded
CONContents pack-out, storage & pack-inIncluded
GENPermits, supervision, labor minimums & final cleaningIncluded
TOTYour full recovery — RCV, ACV & recoverable depreciationMaximized

Every estimate we present is supported by photos, moisture readings, expert reports, and policy language — built to withstand carrier review.

Our Process

Four steps to a full and fair settlement.

Free Claim Review

We inspect your damage and review your policy at no cost — whether your claim is new, underpaid, or denied.

Document Everything

Detailed inspection, photos, measurements, and a complete line-item estimate of the true cost to restore your property.

Present & Negotiate

We file, present, and negotiate your claim directly with the carrier — meeting deadlines and handling every adjuster call.

You Get Paid

We pursue the full settlement your policy owes. Our fee is a percentage of recovery — nothing up front, ever.

Where You Are Right Now

New, underpaid, or denied — we can step in.

New Claim

The best time to hire a public adjuster is before you file. We set the claim up correctly from day one — scope, documentation, and deadlines.

Underpaid Claim

Received a check that won't come close to covering repairs? We re-open, re-document, and pursue the difference — including supplemental claims.

Denied Claim

A denial letter is not the final word. We review the denial against your policy language and fight back with evidence when coverage exists.

Why Hire Us

A fiduciary on your side of the table.

  • The carrier's adjuster works for the insurance company. We work only for you — it's our legal duty.
  • Backed by real construction and restoration knowledge — we know what repairs actually cost in Florida.
  • Commercial and residential experience, from single-family water losses to six-figure commercial fire claims.
  • We handle every call, inspection, deadline, and document — so you can get back to your life or business.
  • Contingency fee only. If we don't recover money for you, you owe us nothing.
$0 UP FRONT

You pay nothing out of pocket. Our fee comes only from what we recover — so our interests are aligned with yours from the first phone call.

Client Results

What policyholders say.

[Replace with your real client testimonials — Google reviews are perfect here.]

★★★★★

"[Testimonial placeholder — e.g., a homeowner whose underpaid water damage claim you re-opened and settled for the full scope.]"

Client Name
Pompano Beach, FL
★★★★★

"[Testimonial placeholder — e.g., a business owner you guided through a commercial fire loss from pack-out to final settlement.]"

Client Name
Madeira Beach, FL
★★★★★

"[Testimonial placeholder — e.g., a family whose denied roof claim you overturned with proper documentation.]"

Client Name
Coral Gables, FL

Common Questions

Straight answers about public adjusting.

What does a public adjuster cost?

Nothing up front. We work on contingency — a percentage of the amount recovered, capped by Florida law. If there's no recovery, there's no fee. We'll explain the exact fee structure in writing before you sign anything.

My insurance company already sent an adjuster. Why do I need one?

The adjuster your carrier sends is paid by the insurance company and represents its interests. A public adjuster is the only type of adjuster licensed to represent you, the policyholder. We independently document your loss and negotiate on your behalf.

Can you help if my claim was already denied or underpaid?

Yes. Many of our clients come to us after receiving a low offer or a denial. We review your policy and the carrier's position, re-document the loss, and pursue supplemental payment or challenge the denial where coverage exists.

How long does the claim process take?

It depends on the size and complexity of the loss and how the carrier responds. What we control is speed and completeness on our side — thorough documentation up front is the fastest path to a fair settlement.

Do you handle commercial claims?

Yes — commercial property is a core part of our practice, including fire, water, and storm losses for retail, office, hospitality, and multi-unit properties, along with condo associations and property managers.

Free Claim Review

Let's find out what your claim is really worth.

Tell us about your damage and we'll review your policy and claim at no cost — no obligation, no pressure. If we can add value, we'll show you exactly how.

Request Your Free Review

A licensed public adjuster will contact you shortly.

By submitting, you agree to be contacted about your claim. We never sell your information.