An insurance company adjuster protects the insurer’s financial interests. A public adjuster, by law, works only for the policyholder. At Property Owner Advocates, we advocate exclusively for property owners, ensuring claims are fully documented and properly valued to maximize recovery.

You should hire a public adjuster immediately after property damage from hurricanes, fire, plumbing leaks, or roof issues. Many times, policyholders are unaware or forget about provisions in their policy that outline their responsibilities after a loss, like immediately documenting the loss, reporting the claim in a timely manner, providing an estimate and POL to the insurance company within deadlines, etc. Early involvement helps prevent mistakes that can lead to claim delays or underpayment. We can also step in later to reopen denied or underpaid claims. Public Adjusters handle insurance claims and read policies every day, so we are better prepared to handle your claim on your behalf. It’s what we do!

Yes, homeowners have the option to file their own claims, but insurers frequently underpay due to insufficient documentation. Public Adjusters are licensed professionals who specialize in interpreting policies, identifying and estimating damages, providing photo documentation, referencing codes, and negotiating with insurance companies to ensure that all damages are fully acknowledged and compensated. This expertise often results in settlements that are significantly higher than those obtained through self-filing. In fact, 95% of the time, claimants represented by a public adjuster recover 50% to 500% more. Oh, yeah, and we only get paid if we secure a settlement for you!

No. Florida law prohibits contractors from negotiating or adjusting insurance claims on behalf of homeowners. While contractors can provide repair estimates for their work, only a licensed public adjuster is authorized to interpret policy language and negotiate settlements with your insurance company. Relying only on a contractor’s estimate can miss coverages like Additional Living Expenses, mold remediation, debris removal, and Ordinance or Law.

A public adjuster specializes in estimating damages, preparing claims, and negotiating settlements, serving as the first line of defense in the claims process. They are involved from the outset, meticulously documenting the claim, compiling estimates, presenting the case, and providing ongoing support throughout, ensuring you are not alone in this journey. If a public adjuster cannot secure full payment from the insurance company but believes that the claim is still underpaid, they may recommend enlisting an attorney to pursue legal action against the insurance carrier. Many Florida homeowners opt for public adjusters initially due to lower fees and the potential for resolving claims without litigation. Should the matter escalate to litigation, the timeline with attorneys can stretch from one to five years, while public adjusters can typically facilitate claim settlements within one to six months.

Florida law caps public adjuster fees at 10% for declared catastrophes and up to 20% for other claims. Property Owner Advocates charges contingency-based fees, meaning you pay nothing upfront, we only get paid when we secure a settlement for you. By law, Florida insurance companies must pay or deny claims within 90 days of filing. However, delays are common. A public adjuster ensures your claim is complete, deadlines are enforced, and your insurer is held accountable for timely payment.

By law, Florida insurance companies must pay or deny claims within 90 days of filing. However, delays are common. A public adjuster ensures your claim is complete, deadlines are enforced, and your insurer is held accountable for timely payment.

Yes. A public adjuster can reopen and challenge denied or underpaid claims. Property Owner Advocates builds evidence with photos, estimates, and Florida Statute references to dispute insurer decisions and secure the compensation policyholders are entitled to.