Public Adjuster Firm — Miami, FL
Your claim is bigger than the carrier says. Let's prove it.
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Florida Public Adjusting is a licensed FL public adjuster focused on helping Miami-area homeowners recover the full value of their property insurance claims. Most policyholders don't know what they're owed — carriers count on that. Florida Public Adjusting levels the field: independent inspection, carrier-grade documentation, and relentless negotiation on a contingency basis, so you only pay when you collect.
Tell Florida Public Adjusting about your claim. Most inquiries get a reply the same day.
Share what happened. Review your policy and damage. No cost, no pressure.
On-site assessment, photos, measurements, and scope of loss — the record carriers take seriously.
Your claim is filed, tracked, and negotiated on your behalf with a clear paper trail.
You only pay if you recover — a percentage of what's collected. No recovery, no fee.
A licensed public adjuster is the only claims professional legally allowed to represent you — the policyholder. Field adjusters and independent adjusters work for the insurance company.
Claims move faster and pay fairer when the paperwork, photos, and scope of loss are prepared the way carriers expect. That's the whole job.
Contingency-fee billing means no out-of-pocket cost. The percentage is disclosed in writing upfront and regulated by state law.
Even a claim you already settled can be reopened. Supplements on missed line items are common — and often substantial.
Typical public adjuster results on common claim types in Florida. Actual outcomes depend on policy language, damage, and timing.
Visible damage to the fascia looked minor. A thorough inspection revealed wind-uplifted shingles across two roof slopes, compromised underlayment, and water intrusion at the ridge. Documentation tied to wind-gust records and shingle manufacturer specs turned an initial $3,800 settlement offer into a roughly $41K full-slope replacement.
A Miami homeowner came home to a ceiling already on the floor — an upstairs supply line had failed overnight. The carrier's field adjuster scoped cosmetic drywall repair and a fraction of the flooring. Reopening the claim with proper moisture mapping, cabinet box damage documentation, and code-required electrical work moved the settlement from roughly $14K to $62K — enough to replace the full affected floor and bring the home back to pre-loss condition.
Months after a minor under-sink repair, a homeowner noticed a musty smell and a bowing cabinet kick. Testing confirmed active growth in the wall cavity. The carrier initially declined coverage, citing the mold exclusion. Establishing the sudden-and-accidental origin — and the resulting covered water loss — unlocked remediation, containment, cabinetry replacement, and clearance testing.
If your policy is with any of these, Florida Public Adjusting can help.
Be the first to share your experience with Florida Public Adjusting.
A licensed public adjuster works for you — the policyholder — not the insurance company. They document your damage, interpret your policy, and negotiate directly with the carrier so you recover the full amount you're owed. Florida Public Adjusting handles the paperwork, inspections, and calls so you can focus on getting your life back together.
Public adjusters in Florida work on contingency — a percentage of the settlement they recover. There's no upfront cost. If you don't recover, you don't pay. Fee percentages are regulated by state law and disclosed in writing before any work begins.
The earlier the better. Bringing Florida Public Adjusting in before you file (or right after you file) means the damage gets documented properly from the start. But even after a denial, delay, or lowball settlement, a public adjuster can re-open the claim and pursue a supplement — Florida law allows it.
The opposite, usually. Carriers respond faster when there's a licensed professional managing the paper trail, deadlines, and inspections. Florida Public Adjusting knows what documentation the carrier needs and how to move the claim forward without the back-and-forth that stalls most homeowners.
A field adjuster works for the insurance company — they come out to assess damage on the carrier's behalf. A public adjuster works only for you. Same job title — opposite sides of the table.
Answers based on public adjuster best practices in Florida. Florida Public Adjusting can speak to your specific situation in a free call.
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