Florida law caps public adjuster fees at 20% of the claim payment for for everyday claims and 10% after a state of emergency is declared in your county. There are no upfront costs — you only pay if we recover funds for you, and the fee comes out of the settlement itself, not out of pocket.

Florida homeowners generally have up to one year from the date of loss to report a new property insurance claim, with a separate window for supplemental claims discovered later. Even if you're not ready to file immediately, damage should be documented as soon as possible so it can be properly attributed to the correct date of loss.

Yes. We can step in at nearly any stage of an existing claim — whether it was just filed, has been underpaid, or was denied outright — and take over from where things currently stand.

Public adjusters bring policy-language expertise, documentation standards, and negotiation experience that most homeowners don't have, which is why professional representation often results in a higher settlement than a homeowner would receive negotiating alone. Every claim is different, so results vary by the specifics of the policy and damage.

Public adjusters handle claims for hurricane and wind damage, roof damage, water and pipe leaks, storm and hail damage, fire damage, and denied or underpaid claims, for both residential and commercial properties.

Tile roof damage from hail is often invisible from the ground — a hairline crack can let water into the underlayment long before an interior leak appears — so a professional inspection is worth having even without obvious visible damage, particularly in tile-roof-heavy areas like the Treasure Coast.

Contact us for a free claim review — we'll assess your policy and damage at no cost, with no obligation, and outline your options before you decide anything.