3 Questions to Ask When Hiring a Florida Public Adjuster
Hiring a public adjuster is often a great decision that will ensure you can recover the full and proper settlement for your insurance claim. But since not every Florida Public Adjuster operates the same way, it’s important to compare your options carefully.
When choosing any insurance professional, you want to be sure you select the right fit for your needs. While the process of adjusting a claim may be similar no matter which professional you choose, you may find that the actual service, attention, and results you receive from a Florida Public Adjuster can vary greatly depending on which Florida Public Adjusting Firm you chose.
The good news is that it’s easy to narrow your options by asking a few simple questions prior to selecting your Florida Public Adjuster.
Here’s what we recommend you ask before choosing your Public Adjuster:
1) Are you a licensed Florida Public Adjuster?
This may seem obvious, but you need to be sure that you’re working with a licensed Florida Public Adjuster as there are others that may pitch similar services when in reality, they are roofers, contractors or unlicensed individuals that refer to themselves as Claim Consultants. In Florida, and in most states, aside from attorney’s, only a licensed Public Adjuster is permitted to negotiate with insurance companies on behalf of the policyholder.
The license ensures that the professional has gone through the appropriate steps required by law and is qualified to legally handle your claim.
Additionally, be sure that the professional is licensed in Florida as a Public Adjuster, as licensees from other states or licensed Independent Adjusters (IA’s are licensed to work for numerous insurance companies as opposed to staff adjusters that can only work for one) will not qualify.
2) How much experience do you have as a Florida Public Adjuster?
This one is important. Just because a Florida Public Adjuster is licensed does not mean they are good at what they do. In this industry, experience goes a long way. A more experienced public adjuster will have more in-depth knowledge of the claims process and will know how to handle the negotiation more effectively. Additionally, an industry veteran will also have more experience dealing with numerous Insurance Companies throughout Florida, which is instrumental as each of these companies have different policies and claims handling practices. Understanding these differences and how to effectively navigate the claim process with your insurance company can make all the difference in your final settlement.
A less experienced Florida Public Adjusting firm could make mistakes that result in:
- Slower claims process
- Inaccurate damage estimates
- Insurance payouts that are less than what you deserve
- A denied claim due to a failure to comply with your Post Loss obligations as outlined in your policy.
Checking experience is especially important if you’re searching for a public adjuster online. For example, if you are Googling “public insurance adjuster Florida,” be sure to look for signs of experience on their website as well as the actual name(s) of the Public Adjusters that work for the firm, you can then look up their license to at least see how long they have been licensed to practice in Florida. And when in doubt, ask.
Did you know?
At Claim Concepts, every licensed public adjuster on our team has extensive experience in Florida Public Adjusting – for a combined 40+ years of experience in the claims industry. Not only that, members of our team have experience working “on the other side” for the big insurance companies, we know the tactics they use that may limit your payout and/or delay the proper settlement of your claim. Working with our team, you can rest assured that we know how to properly investigate, estimate, and ultimately recover the settlement that you deserve for even the most complex of residential or commercial claims.
3) What results have you produced for other clients?
Licensing is a must. Experience is even better. But most importantly, a reputable Florida Public Adjuster will have an actual track record of producing positive results for their clients.
When searching for “Public Insurance Adjuster Florida,” you may find a list of happy clients’ positive feedback on the Public Adjusters’ websites. The question is, who actually wrote that feedback? In today’s day and age, people are going to leave authentic reviews on Google, Facebook, Better Business Bureau, etc. If you only see testimonials on the website but nowhere else, that should be a warning sign.
Be wary of working with any Florida public adjuster that can’t provide any information from past clients regarding their experience working with their Public Adjusting Firm.
Have Questions? We're Happy to Answer!
Call 561-257-5660 to learn more about working with our experienced, licensed Florida Public Adjusters at Claim Concepts.
Don't Take Our Word For It
Read Reviews From Our Happy Clients
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.