Proudly Serving Policyholders Throughout Florida and Georgia

Damage Claims Assistance for Homeowners and Businesses

Insurance Claim Delayed, Denied, or Underpaid?

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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 with. We know how to properly investigate, estimate, document, and ultimately recover the maximum claim settlement for even the most complex of residential and commercial insurance claims.  Don’t let the insurance company dictate the outcome of your claim, our dedicated team of Florida and Georgia Public Adjusters will tirelessly fight on your behalf, ensuring that you will receive the settlement you truly deserve.


Public Adjuster Reviews and Clients Stories

Don’t let the insurance company and their adjusters dictate the outcome of your damage claim!


Hear what our past clients have to say....


After suffering a loss to property, you Deserve the Best Team 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.


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

Florida Public Insurance Adjuster takes picture of condemned home


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 property damage claim public adjusters


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.

Sunken Sailboat in Shallow Water, Portraying Nautical Damage


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.

Home Severely Damaged from Hurricane, Aiming for Recovery

Damage Claims Services at Claim Concepts

Florida Public Adjusters: Expert Help for Fire Damage Business Claims

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!

Hole in wall needs a Palm Beach County Public Adjuster in Jupiter Florida

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.

Florida Public Adjuster using Matterport camera

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.

Cracked Tile Roof Damage Claim, Seeking Resolution

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.

dark smoke damage to dirty studio apartment living space
Loss Adjuster Analyzing Workplace water Damage with Heat Map

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.

Closet Mold Damage Above Floorboard, Requiring Attention

Get Help Filing an Insurance Claim



Speak to one of our seasoned Public Adjusters. Our team members will discuss your situation in detail and review any claim documents that you have available.



Upon reviewing your current situation, we will strategize with you on your recommended next steps to ensure your claim is moving toward a fair resolution.



Every claim is unique and will be handled as such. In most cases, once we are engaged we will schedule a meeting at the loss for us to inspect and document all of your damages.


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. By state law we as Public Adjusters are not allowed to represent the insurance companies. We can 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.

No.   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. We do not charge anything to come out and evaluate your particular situation.