Public Adjuster Firm — Miami, FL
Your claim is bigger than the carrier says. Let's prove it.
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Summit Public Adjusting Group is a licensed public adjuster serving homeowners and commercial policyholders across the Miami area and throughout Florida. Working exclusively on contingency — no recovery, no fee — Summit Public Adjusting Group handles every step of the claim: damage inspection, scope of loss documentation, carrier communication, and settlement negotiation.
Tell Summit Public Adjusting Group 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.
A contained kitchen fire left structural damage limited — but smoke and soot traveled through the HVAC into every room. The carrier's initial scope treated contents as cleanable. Line-by-line inventory, independent hygienist testing, and non-salvageable declarations for soft goods brought contents recovery from about $9K to over $50K, plus ALE for the family's temporary stay.
An initial carrier estimate missed several covered line items. Careful scope review, supporting photographs, and code-required documentation resulted in a supplemental payment materially larger than the original offer — returning the policyholder closer to whole.
If your policy is with any of these, Summit Public Adjusting Group can help.
Be the first to share your experience with Summit Public Adjusting Group.
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. Summit Public Adjusting Group 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 Summit Public Adjusting Group 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. Summit Public Adjusting Group 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. Summit Public Adjusting Group can speak to your specific situation in a free call.
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