Get Help with your Hurricane Irma Claim in the Florida Keys
Claim Concepts team of Public Adjusters in the Florida Keys are working tirelessly to assist Policyholders with claims due to Hurricane Irma.
Hurricane Irma victims are facing what is going to be a challenging journey toward recovery. Surviving the storm itself is only the beginning, now, the claims and rebuilding process begins. Many business owners and homeowners will encounter what will likely be a challenging experience dealing with their insurance claim when going at it alone. It is never as easy as the TV commercial says it will be. As State Licensed Florida Public Adjusters, we are offering complimentary claim consultations to Business Owners and Homeowners throughout the Florida Keys.
What should you expect with your Hurricane Irma Claim?
Hurricane Irma claims in the Florida Keys will be complex, to say the least. These properties have suffered extremely high winds as well as flood damage from the surge. We have been seeing insurance companies sending out Engineers before their adjusters even visit the homes. Don’t be fooled by this tactic as it is likely in an effort to differentiate between damages due to flood and wind, as the responsibilities will fall under different insurance companies. The adjuster that will eventually make it to your home will most likely be an independent adjuster (independent contractor, can work for several different companies) from out of town, as there are too many claims for any company to handle with their in-house adjusters. These independent adjusters are handed multiple claims (sometimes in the hundreds) to handle and are forced to work extremely long hours to keep up. Their main job at this point is to view your loss and gather the information necessary to prepare a preliminary estimate of your damages. As nice and caring as these adjusters may seem, they still have a job to do and are instructed by the insurance company on how they would like their claims handled. As Licensed & Bonded Florida Keys Public Adjusters, we are the ONLY adjusters that will exclusively represent your interests in a claim. It is illegal for any person, other than a Public Adjuster or Attorney, to represent your claim to your insurance company – BE CAREFUL as many people will offer these services, but it is considered the Unauthorized Practice of Public Adjusting, and it is not legal.
How does it work when hiring a Public Adjuster, and how do they get paid?
As Florida Keys Public Adjusters, we handle all aspects of your claim to ensure that you recover every last dollar possible under your policy. Public Adjusters are in the business of keeping insurance companies honest by ensuring that the policyholder recovers an equitable settlement for all of their damages. We handle everything from filing the claim to presenting all of your damages in an effort to recover the maximum settlement that you deserve ultimately. We are the Insurance Claim Experts that you need in your corner. The best part is that there are no upfront fees as we work on a small contingency fee based on a percentage of what is recovered from the insurance company, and with that being said, we only get paid when you do.
Why should I hire a Public Adjuster?
In the image to the right, you will see the results of a study commissioned by Citizens Insurance on Florida Public Adjusters. The study conducted by the Office of Program and Policy Analysis & Government Accountability (OPPAGA) evaluated both daily claims and hurricane-related claims during the busy Hurricane Season of 2005. The results were likely NOT what Citizens hoped to see as the study proved the value of having a Public Adjuster representing your interests throughout the claim. The results concluded that during the 2005 Hurricane Season, the policyholders that Florida Public Adjusters represented recovered on average 747% more than policyholders that tried to handle the claim independently.
You wouldn’t send your financials to the IRS and let them prepare your tax return, would you? Of course not, as it is obvious they are not looking out for your best interest. We are the claim experts who will look out for your interests and ensure that you recover the maximum settlement for all of your losses.
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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.