Understanding the Role of a Public Adjuster

What is a Public Adjuster?

A Public Adjuster is the only adjuster exclusively licensed to represent the policyholder’s interests throughout the claim process.  We work for you, NOT the insurance company.  Many contractors will refer to themselves as ‘Insurance Claim Experts’ and offer to represent policyholders during the claim process, this is often times considered the Unauthorized Practice of Public Adjusting and is NOT legal and often times they are only ‘experts’ at ensuring they make a lot of money and truly don’t have the knowledge or experience needed to obtain the full and proper settlement for all of your damages.  In the event that you suffer damage to your property and you are looking for assistance with your claim, a qualified Florida Public Adjuster or an attorney are the only professionals specifically licensed to represent your interests.

Why use a Public Adjuster?

Unlike insurance company adjusters that are hired, paid and trained by the insurance company to represent their best interest, a Public Adjuster works directly for you and will handle your claim with ONLY your best interests at heart. We know what it takes to recover the maximum settlement for all of your losses while ensuring that you fully adhere to and cooperate with all of your post-loss obligations.

Complimentary Consultation with a Public Adjuster

Citizens Property Insurance commissioned a study to try and prove that there is no need for a Public Adjuster.  What happened with this report was not what they intended.  It answers the question of What is a Public Adjuster best.  This report proves the need and the benefit in hiring a public adjuster after suffering a loss.  The report states:

for claims related to 2005 hurricanes, policyholders who used a Public Adjuster resulted in payments that were 747% higher than those policyholders that did not use a Public Adjuster.

What is a Public Adjuster? This study says it all!
What is a Public Adjuster? This study says it all!

And it goes on to state:

For non-catastrophe claims, policyholders who used public adjusters received an estimated $9,379 on their claim, compared to $1,391 for those policyholders who did not use a public adjuster (a difference of 574%)

The next time you hear someone ask what a Public Adjuster is, you can tell them they are the ONLY adjusters with your best interest at heart. As Public Adjuster there is never any upfront cost for our services.  Everything we do is strictly based on a contingency fee agreement…we only get paid when and if you do!

In the event that you have an insurance claim whether it is a small homeowners claim or a complex commercial loss, you should always consult with a licensed Public Adjuster to discuss your loss. If you have looked at your insurance policy lately, you will see that they are complex by nature, and much of it seems to be in another language.  Most Public Adjusters will offer a free claim consultation and if nothing else you will learn a lot about your policy and how the claims process works. When you file a claim, the insurance company sends out an adjuster who will be very familiar with your policy. You deserve to have the same if not better representation than the insurance company has; it is the only way to level the playing field!

In a perfect world, there would be no need for public adjusters, you pay your hard-earned money for a policy to protect your property in the event of a loss, and that is exactly how it should work. However, unlike what the commercials will tell you, that is not the case. Insurance companies are brilliant in that they want to continue to take in premiums but they do NOT like to pay out on claims, it hurts their profits.

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Meet Our Leadership Team at Claim Concepts

Our Commitment

At Claim Concepts, Eric and Greg embody the epitome of professional excellence, seamlessly intertwined with a profound personal commitment and a fiery passion that sets them apart. Their unique journeys reflect our company’s commitment to defining, genuinely understanding, and advocating for our clients. With Claim Concepts, you’re hiring experts and gaining partners who will tirelessly ensure your rights and interests are protected and fairly served.

Greg Roover

Greg Roover - Owner and Public Adjuster at Claim Concepts: Leading the Way in Insurance Claims Assistance
Owner/Public Adjuster

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 prominent insurance companies as an independent insurance adjuster and NFIP-certified flood adjuster. 

In 2008, 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. 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

Morgan "Eric" Thomas

Morgan - Your Trusted Public Adjuster at Claim Concepts
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

Begin Your Hassle-Free Damage Claim Journey Today with Our Expert Support


Our team of experienced insurance professionals has developed a proactive claim management strategy & process to help you receive the proper settlement that you need and deserve. We understand that proving your claim can be a daunting and time-consuming, 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.

STEP 1 - Complimentary Consultation

We invite you to speak with one of our professional Public Insurance Adjusters about your situation. Our team will carefully review your policy, claim-related documents, and the extent of your damages. Based on our thorough evaluation, we will then offer our professional opinion on the best course of action for your specific circumstances.

STEP 2 - We Go To Work On Your Behalf

Our team of experienced public adjusters is dedicated to thoroughly documenting every aspect of your claim. We understand the importance of utilizing advanced technologies, such as 360 photography, thermal imaging, and moisture detection equipment, to fully capture all damages. This meticulous process ensures that we have a comprehensive record of all losses incurred. We will then prepare a detailed estimate, utilizing industry-standard estimating software, and assist you in creating an inventory of damaged personal property.

STEP 3 - Path Toward Settlement

Upon your approval, we will submit the estimate along with any supporting documentation to the insurance company on your behalf.  We will always protect your interests and ensure that you comply with all of your post-loss obligations provided within the policy.

STEP 4 - Settlement

We will keep you in the loop and present any offers made by the insurance company.  We will only accept settlement offers with your approval. 


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.