“You have my 100% commitment that we will relentlessly fight to get you every last dollar that you deserve for your claim.You will not find a team with more passion for helping people than the team at Claim Concepts!”-Greg Roover, PA and President of Claim Concepts
Greg Roover, the owner of Claim Concepts first got the itch to become a Public Adjuster after being a victim himself of the Northridge Earthquake where his family business employed a public adjuster that eventually recovered them 10X what the insurance company first offered! He realized then that he wanted to be able to help people in the same way. Knowing where he wanted to eventually be, Greg strategically began his career receiving training and experience working for the big insurance companies as an Independent Insurance Adjuster and NFIP Certified Flood Adjuster. After many years of gathering loads of experience working for the other side, he then switched his license to become a Public Adjuster and begin assisting policyholders in the same way his family was once helped. This insider knowledge of once working for the big insurance companies has helped numerous clients of Claim Concepts recover claim settlements far above their expectations. Aside from all of his vast adjusting experience Greg Roover is also a Certified Insurance Appraiser / Umpire as well as a former licensed Florida Home Inspector & Mold Assessor. Combining all of this knowledge and experience has been instrumental in ensuring each and every one of our client recover the settlement that they need and deserve.
I highly recommend claim concepts. Greg was extremely pleasant to deal with, yet firm and persistent in getting us the results necessary. I highly recommend them. You won't be disappointed.
Jody D.
- Google
We appreciate the hard work that Eric put into our claim. Without Claim Concepts we wouldn't have gotten anything else. Thank you.
Gary A.
- Google
I was recommended when getting no where on my own with insurance company. They handled everything to completion with ease. Couldn't have done it without them.
Kathy U.
- Facebook
Greg was clear and effective in his pursuit of our claim. He maintained the vision for positive final results in our case.
Patrick S.
- Google
These guys are professionals and they get the job done the right way.
Shanda N.
- Facebook
Excellent professional service! I received everything I needed in a timely fashion.. highly recommended
Pamela K.
- Google
Greg Eric and Jessie are the nicest guys that you could ever talk to or meet . They help me through the tough times. They're my heroes!!
Gary A.
- Google
I was recommended when getting no where on my own with insurance company. They handled everything to completion with ease. Couldn't have done it without them.
Alyssa J.
- Google
Absolutely wonderful service. I was very pleased with the outcome and the service I received was above my expectations. I will recommend them to anyone in need.
Meet the Senior Public Adjusters at Claim Concepts
Our Commitment
Greg Roover, SPPA
Senior Professional Public Adjuster, President
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
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
Public Adjuster
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
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!
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.
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.
