Proudly Serving Policyholders Throughout Florida, Georgia, South Carolina, North Carolina, & Tennessee.
Damage Claims Assistance for Homeowners and Businesses
Insurance Claim Delayed, Denied, or Underpaid?
We Can Help!
FREE CLAIM CONSULTATION WITH A PUBLIC ADJUSTER
What is the status of your claim?
OVER 50 YEARS OF EXPERIENCE
Looking for a Public Adjuster to Help with your Property Damage Insurance Claim?
Claim Concepts is dedicated to providing exceptional assistance for insurance claims. Our team of experienced public adjusters specializes in optimizing your insurance claim for damage to your property caused by hurricane, water, fire, smoke and other unexpected events. Whether your claim is new, old, denied, or underpaid, we are here to support & guide you throughout the entire insurance claim process. You can trust that we will advocate on your behalf, fighting for the best possible outcome so you don’t have to settle for anything less than you need & deserve.
Our Public Adjusters include Former Insurance Company Adjusters & Restoration Contractors with over 50 years of combined experience in the claims industry. You will not find a more capable team to entrust your damage claim. We know how to properly investigate, estimate, document, and ultimately recover the maximum settlement for even the most complex residential and commercial insurance claims. Don’t let the insurance company dictate the outcome of your claim. Our dedicated team of Florida Public Adjusters, Georgia Public Adjusters, South Carolina Public Adjusters, North Carolina Public Adjusters , & Tennessee Public Adjusters will tirelessly fight on your behalf, ensuring you receive the settlement you deserve.
Public Adjuster Reviews and Clients Stories
Don’t let the insurance company and their adjusters dictate the outcome of your damage claim!
Insurance Co. 1st offer: $7,780.78
Final Settlement: $37,880.09
Increase: $30,099.31 or 486%
Insurance Co. 1st offer $92,000
Settled for over $400,000
Increase of over $300,000.00 - over 4X the original offer!
Insurance Co 1st offer: $9,323.45
Final Settlement: $59,989.00
Increase: $50,665.00 or 642%
Before Claim Concepts: Approximately 1 year & $0.00 Paid
After Claim Concepts: $40,000.00
Another Happy Client!
Insurance Co 1st Offer: $4,686
Final Settlement: $28,795
Increase of: $24,109 or 614%
Insurance Co 1st offer was just under $48k
Final Settlement - over $200,000.00
Increase of Over $150,000 or 435% more than the original offer!
Offer Before Claim Concepts: $11,043.14
Claim Concepts settled it for: $25,570.53
Increase of: $14,527.39 or 231%
DON’T TAKE OUR WORD FOR IT
Hear What Our Past Clients Have to Say....
Meet the Senior Public Adjusters at Claim Concepts
Our Commitment
Greg Roover, SPPA
Inspired by Personal Experience
Greg’s path to becoming a Public Adjuster was deeply personal. The Northridge Earthquake was a turning point, where his family’s experience with a public adjuster opened his eyes to the profound impact of this role. Greg embarked on a strategic career journey, motivated by a desire to help others as his family was helped. He honed his skills working for insurance companies as an independent insurance adjuster.
In 2006, Greg’s vision came to fruition with the founding of Claim Concepts. His insider knowledge, gained from years within the industry, and his passion for aiding others have been instrumental in the company’s success.
In 2025, Greg earned the Senior Professional Public Adjuster (SPPA) designation from The Institutes, the highest designation available to public adjusters. Awarded only to seasoned professionals who complete a rigorous course of study and examinations, the SPPA reflects Greg’s commitment to mastering every aspect of the claims process on behalf of the policyholders he serves.
Greg’s expertise is not just in his impressive resume but in the countless testimonials from those he has aided, reflecting his dedication to securing the rightful settlements for our clients.
Greg's Expertise Backed by Industry Accreditations
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Florida Public Adjuster -
Lic #P017831 -
Georgia Public Adjuster -
Lic #2790971 -
South Carolina Public Adjuster -
Lic #716585 -
Tennessee Public Adjuster -
Lic #716858 - SPPA - Senior Professional Public Adjuster Designation
- NFIP Certified Flood Adjuster
- Former Independent Adjuster working for the Insurance Companies
- Former ICC Certified Residential Building Inspector
- Former Licensed: Mold Inspector/ Home Inspector
- Member FAPIA - Florida Association of Public Adjusters
- Member GAPIA - Georgia Association of Public Adjusters
Morgan "Eric" Thomas
From Adjuster to Advocate
Eric’s journey in the insurance world began in 1989, marking the start of a career defined by expertise and dedication. Fresh out of college, he jumped into the role of an independent adjuster, swiftly advancing to a general adjuster position at a major firm. There, Eric specialized in complex homeowners and commercial property insurance claims, showcasing his skill in navigating intricate scenarios.
In 2001, his career took a pivotal turn towards the construction aspect of insurance. As the General Manager for a renowned Insurance Restoration Contractor, Eric oversaw everything from estimating to maintaining vital relationships with insurance companies. His profound understanding of insurance and construction led him to Claim Concepts, where he now thrives as a Public Adjuster. His unparalleled insight has been crucial in ensuring that our clients receive the settlements they genuinely deserve
Eric's Expertise Backed by Industry Accreditations
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Florida Public Adjuster -
Lic #A263869 -
Georgia Public Adjuster -
Lic #3233218 -
South Carolina Public Adjuster -
Lic #3607940 -
North Carolina Public Adjuster -
Lic #3607940 - Former Independent Adjuster working for Insurance Companies (Since 1989)
- Former Insurance Restoration Contractor (Working for the Insurance Companies)
- Member FAPIA - Florida Association of Public Adjusters
- AIC - Associates In Claims
- Vale Institute - Large Loss Estimating
THE PROCESS
Our Proven Process Built on Precision, Leverage, and the Art of Resolving Complex Claims
Over many years, our team of seasoned professional Public Adjuster have developed a proactive claim management process to ensure our clients receive the proper settlement for their losses. We understand that proving your claim can be a daunting and time-consuming task, and we are here to alleviate that burden for you. Our goal is to make this process as seamless and stress-free as possible for you while ensuring that you recover the full and proper settlement for your loss that you need and deserve.
Step 1 - THE DISCUSSION
Your Claim, Our Strategy – It all begins with a no-obligation, in-depth review of your claim. We know that by the time most clients reach us, they’ve already experienced confusion, frustration, or a settlement offer that simply didn’t feel right. We will review all claim documentation including estimates, letters, policy, photos, and any other relevant items. We will then work directly with you to map out the most effective path forward. Rest assured that we will only make an offer to work with you if we are confident that we will add value to your claim.
Step 2 - THE EVALUATION
Exhaustive Inspection & Document Review – Once we partner, our team immediately gets to work on your claim. We dive deep into your policy to ensure we fully understand how it applies to your specific loss, while carefully reviewing all existing estimates, photos and documentation. We then conduct an exhaustive, technology-driven inspection of the property using advanced field tools to document every aspect of your loss, ensuring nothing gets overlooked.
Step 3 - THE DEMAND
Estimate Preparation & Submission – We develop a comprehensive, line-item estimate utilizing industry-standard software, subjecting it to a rigorous three-tier review process covering field accuracy, technical precision, and compliance, to ensure nothing is missed. Once completed, we share it with you for your review, input and approval before submitting our entire claim package to the insurance company as The Demand.
Step 4 - THE NEGOTIATIONS
Expert Negotiation, Focused on Your Best Outcome – We stand strong on your behalf, skillfully negotiating for the resolution you need and deserve. When negotiations stall, we don’t back down, we guide you through your available dispute resolution options, to keep your claim moving toward the outcome you deserve.
Step 5 - THE RESOLUTION
Successful Resolution, Your Satisfaction is Key: The final step, this is what everything has been building toward. A fair resolution isn’t just our goal, it’s our standard. Our clients’ outcomes speak for themselves, and yours will too!
CLAIM QUESTIONS? WE HAVE ANSWERS
Peace of mind! We are here to represent you and your interest in the claim. Unfortunately, insurance companies often times deny claims that should be paid or do not pay enough money on a covered claim. This is not always the case and even when it is it may not be intentional. I know that most adjusters have the best of intentions but sometimes they may be inexperienced or simply trained to see things one way, the way the big insurance company wants it to be seen. As Public Adjusters our number one job is to get you the largest settlement available to you under your policy with the insurance company.
NO. Most states have laws stating that Public Adjusters are not allowed to represent the insurance companies. At Claim Concepts, we only represent the insuring public.
The public adjuster is employed by you, the insured. Their function is to represent your interests and ensure that you recover the proper settlement for all of your losses per the terms of your insurance policy. The insurance company’s adjuster works for the insurance company and is responsible to protect their interests throughout the claim.
Public Adjusters typically work on a contingency basis which equals a small percentage of any money recovered by the insurance company.
NO! This is NOT required under any policy that I have seen to date and I do not recommend it. In the event of a loss it is best to employ a Reputable Public Adjuster that knows what the policy will cover and what it takes to get your property back to its pre-loss condition. Many contractors will provide you with a competitive bid to make repairs but not necessarily get your property back to its pre-loss condition.
Yes! In most cases we can reopen your file with a supplemental claim. There are many factors involved. Give us a call and we will be happy to offer you a free claim consultation.
Not necessarily. It is not recommended to file a claim every time you spill a glass of water as you may become classified as a nuisance claim maker. Property insurance is typically rated based on your area which is why all homeowner rates increased in Florida after the hurricanes, whether you filed a claim or not. The risk is more related to the area where your property is located and in commercial situations the use of the property. However, it is known that there are databases where claim activity is logged and each insurance company may have their own stipulations based on claim activity of the individual or the property. Ultimately, you buy insurance to protect you in the time of a loss. If you are debating whether you should file a claim or not, please feel free to call and speak with one of our Public Adjusters about your particular situation, we are always happy to help.
Do not do anything before having a qualified Public Adjuster or Attorney take a look at your file. Depending on the way everything is written you may be agreeing to their offer by depositing the check. Please call our office and speak with one of our Public Adjusters about your particular situation, we are always happy to help in any way we can.
After suffering a loss to property, you Deserve the Best Team of Public Adjusters to Help You. Experience matters and our Public Insurance Adjuster Results speak for our Passion and Experience to help with even the most complex of insurance claims.
HIRE EXPERT PUBLIC ADJUSTER IN DAMAGE CLAIMS NOW
State Study Proves the Value of Hiring a Public Adjuster
The Office of Program Policy Analysis & Government Accountability (OPPAGA) an office of the Florida Legislature performed a study on the Florida Public Adjusting Industry. In this study, they evaluated disaster claims filed with Citizens from March 2008 to June 2009. The results were astounding. In regards to hurricane-related claims, they found that policyholders that utilized the services of a Florida Public Adjuster recovered an average of 747% more than those without a public adjuster in Florida. Furthermore, they found that for daily disaster claims such as water and fire damage and other disaster claims, policyholders that utilized the services of a licensed Public Adjuster in Florida surety recovered an average of 574% more than those that were not represented or were represented by someone other than a public adjuster.
These results speak for themselves. Don’t allow the insurance company and their adjusters to dictate the outcome of your claim, we are here to help! Call 800-801-2099 today for your complimentary Insurance Claim Consultation with a licensed and bonded Florida Public Adjuster or simply fill out the form below and one of our Licensed Florida Public Adjusters will contact you shortly.
Expert Insurance Claim Help for Residential, Commercial, and Marine Damage Claims
RESIDENTIAL INSURANCE CLAIM
Regarding residential insurance claims, our experienced team of Public Adjusters are here to provide you with expert assistance. We understand that your home is not just a building but a place filled with cherished memories and belongings. Whether your residential property has suffered damage from a fire, water, storm, or any other covered event, we are well-versed in navigating the complexities of insurance policies.
Our dedicated team will work diligently to ensure you receive the maximum settlement you deserve, allowing you to rebuild and restore your home with peace of mind.
COMMERCIAL INSURANCE CLAIM
We are here to assist all types of businesses including: Condominium Associations, Building Owners, Real Estate Investors, Landlords, Temples, Churches, Shopping Malls, Strip Malls, Restaurants, Hotel, Motels, Gyms and any other type of property that may have been damaged.
We can assist with not only the property damage portion of your claim but also with any other losses to your business suffered due to the loss including Business Interruption and Business Personal Property & of course, Building Damages.
MARINE INSURANCE CLAIM
We extend our expertise to help with marine damage insurance claims as well. Whether you own a boat, yacht, or other watercraft, we understand the unique challenges that can arise in the marine insurance realm. From damages caused by accidents, storms, or other unforeseen events, our knowledgeable team of Public Adjusters will guide you through the claims process.
We possess the necessary expertise to assess your policy and document the damages to your marine vessel, ensuring that you receive the appropriate compensation from your insurance damage claim.
Your Trusted Public Adjuster for an Optimal Insurance Claim Settlement
As Public Adjusters we are the ONLY adjusters exclusively licensed to represent the interests of the Policyholder. We work for you, not the insurance company. Our Public Adjusters are Insurance Claim Experts that know how to properly present your loss in an effort to recover the maximum settlement for your insurance claim. There are no upfront costs for our services as we work on a contingency fee and therefore only get paid when you get paid.
I Can't Believe My Insurance Claim Was Underpaid or Denied!
Searching for a “Public Adjuster Near Me”
Are you seeking a trusted “Public Adjuster Near Me” to handle your insurance claim? Your search ends here! We specialize in providing expert assistance for policyholders like you. Our extensive experience and proven track record allow us to handle claims across multiple states.
Don’t limit your options by focusing solely on proximity. Choosing a public adjuster is essential based on their experience and dedication to your claim’s success. Our team of professionals are ready to guide you through the complexities of the claims process, ensuring you receive the resolution you deserve.
Choose Claim Concepts for exceptional service and an optimal claim settlement. Call (800) 801-2099 today and let us make a difference for your insurance damage claim.
Some Florida Public Adjuster firms will only work in a small radius around their house or office while others, like us, will handle claims anywhere within the state. If you search for – Public Adjuster Near Me, don’t be too concerned over the location of the firms that show up, if they are showing in your search, they likely handle claims in your area. What you should be concerned about is their experience, proven track record and what their past clients have to say about the results they were able to achieve.
Damage Claims Services at Claim Concepts
Public Adjuster
A Public Adjuster is the ONLY person, other than an attorney that can represent your interests during the claim process. Although your roofer or contractor may be advising you that they can help you with your claim, this action is illegal as it is considered UPPA or the Unlicensed Practice of Public Adjusting. Our team of the Public Adjusters will fight to recover the maximum settlement for your loss!
Insurance Appraisers
Our team of Insurance Appraisers are dedicated to exclusively representing Policyholders throughout the appraisal process. If you are currently involved in or considering appraisal we invite you to contact us. Our qualified Insurance Appraisers are ready to discuss your case and provide expert guidance.
Should you have any questions or wish to explore the benefits & risks of appraisal further, please don’t hesitate to reach out. We understand the complexities of the appraisal process and are committed to safeguarding your rights as a Policyholder.
Claim Consulting
Our experienced team of loss consultants specializes in comprehensive documentation services tailored to your unique case. With expertise in public adjusting, insurance restoration, home inspection, and mold assessment, we accurately evaluate and assess property damage.
Using advanced tools like FLIR Thermal Imaging Cameras, Matterport 3D Virtual Twin Cameras, and Tramex Moisture Meters, we leave no detail overlooked. Our meticulous approach ensures thorough and accurate documentation to support your insurance claim.
Hurricane Damage Claims
Insurance Claims for Hurricane Damage require an experienced professional to properly assess the damages as much of the damage is not visible to the untrained eye. As Experienced the Public Adjuster, we know how to properly evaluate and document your hurricane damage claim to ensure you recover a timely & equitable settlement for your claim. Call today and speak with a licensed the Public Adjuster about your Hurricane Claim.
Fire Damage Claim
Insurance Claims for Fire Damage are always complex as the damages go far beyond what is visible to the untrained eye. Our the Public Adjuster know how to properly investigate, estimate and ultimately recover the maximum settlement for your Florida Fire Damage Claim. Don’t settle for less than you rightfully deserve, call for your free claim review with our the Public Adjuster today.
Water Damage Claim
Insurance Claims for Water Damage are the most common of claims that our the Public Adjuster handle. As the Public Adjuster we have extensive knowledge of how water can damage your property and know how to properly document and present these claims in order to recover the maximum settlement available under the policy. We utilize tools & technology that allows our Public Adjuster to see what the other adjusters miss.
Mold Damage Claims
Insurance claims related to mold damage can be intricate, as policies often have exclusions and endorsements that address mold coverage. how these claims are approached can significantly impact whether you receive a fair settlement or face denial or underpayment.
At Claims Concepts, our team of skilled Public Adjusters understands the complexities of mold damage claims. With our expertise and commitment to maximizing settlements, we work diligently to ensure that your mold damage claim is handled effectively. Our dedication to providing comprehensive solutions sets us apart in the industry.
Latest News From Claim Concepts
Test Article
What Types of Claims Do You Need a Public Adjuster For? The honest answer is that a public adjuster can add value on virtually any property damage insurance claim — but where we make the most significant impact is on the large, complex losses that can be financially devastating to
What Types of Claims Do You Need a Public Adjuster For?
What Types of Claims Do You Need a Public Adjuster For? The honest answer is that a public adjuster can add value on virtually any property damage insurance claim — but where we make the most significant impact is on the large, complex losses that can be financially devastating to
What Wildfire Victims Need to Know Before Filing an Insurance Claim in Brantley County or Glynn County GA
What Wildfire Victims Need to Know Before Filing an Insurance Claim in Brantley County or Glynn County GA The wildfire that ignited along Highway 82 in Brantley County on April 20, 2026, has already set a devastating record — the most homes lost to a single wildfire in Georgia’s history.
How Much Does a Public Adjuster Charge?
A Complete Guide to Public Adjuster Fees — What You Need to Know Before Hiring a PA. If you’ve experienced property damage and are considering hiring a public adjuster (PA), one of the first questions you’ll likely ask is: how much does a public adjuster charge? The answer depends on