Insurance Claim Underpaid? Here's How a Private Adjuster Can Help
Hiring a Public Insurance Adjuster (sometimes referred to as a Private Adjuster) can be a smart move whenever you feel an insurance claim has been underpaid or outright denied.
It happens more often than you might think, and we completely understand how policyholders can feel helpless about filing an insurance claim and confused about all the steps involved.
You may have even felt pressured by the process, accepting an insurance settlement that is less than what you expected. And maybe you assumed you had no other option than to accept the result – but in reality, you do. This is where a Private Adjuster can help.
What is a Private Adjuster?
A Private Adjuster is an insurance professional who serves as your ambassador and liaison in an insurance claim. These adjusters are also referred to as Public Insurance Adjusters.
These adjusters work in your interest and on your behalf, as opposed to the insurance company. By default, insurance companies use their own adjusters to handle a claim – but if there are errors during any part of the claims process, the policyholder doesn’t have anyone “on their side” to evaluate it. As a policyholder, you may need knowledgeable representation to get the claim settlement your policy allows for. A private adjuster can provide that representation.
How a Private Insurance Adjuster Works for You
A private adjuster works with policyholders who may have had claims denied or feel they were underpaid – or those would prefer the peace of mind having a trained professional on their side from the beginning, so they can avoid common pitfalls. For homeowner’s insurance, these may be claims from damage due to a variety of events: storms, water, fire/smoke, hurricanes and so on.
A private adjuster helps policyholders in several ways:
- They help you receive full and fair compensation. A private adjuster works for you in helping you maximize your claim, seeking fair and full compensation for any damage that occurred. They will investigate the claim and document damage thoroughly. They will meticulously review your policy to verify coverage.
- They relieve stress. Working with a private adjuster relieves the stress and aggravation of dealing directly with your insurance company on your own. Beyond handling the claim itself, a private adjuster will also meet with the insurance company if necessary and bring in their own experts if required, so that you can rest easy knowing that the entire process is being taken care for you.
- A private adjuster will be by your side through the entire process. From start to finish, a private adjuster will be by your side. You can have confidence facing the insurance company with experienced and professional assistance by your side every step of the way.
Searching for 'Private Adjuster Florida?' Get the Assistance You Deserve
If you live in Florida, you may have searched Google for “private adjuster Florida” or even “private insurance adjuster near me.” But not all adjusters offer the same expertise or results. Finding a “private insurance adjuster near me” is easy when you have an adjuster that is not only licensed in Florida but also travels to any area of the state to provide the assistance you need.
At Claims Concepts, our experienced team of Licensed Public Adjusters are here to help.
Claims Concepts: The Private Adjuster Florida Policyholders Trust
No matter where you live in the Sunshine State – from the Panhandle to Key West, Jacksonville to Miami and Daytona Beach to Tampa – our professionals can assist you.
We will review your policy and your claim, as well as the settlement offered by your insurance company. We will represent your interests in interactions with your insurance provider.
If you feel your claim has been underpaid or you would prefer the peace of mind knowing you have a seasoned professional by your side from the beginning, contact our experts for a free claim review. Call Claims Concepts today at 800-801-2099.
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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.