What is a Public Adjuster ?

What is a Public Adjuster?

A Public Adjuster is the only adjuster exclusively licensed to represent the interests of the policyholder 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. 

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 that did not use a public adjuster (a difference of 574%)

The next time you hear someone ask, what is a Public Adjuster, 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 that is going to 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 their 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.


Free Claim Review With a Florida Public Adjuster

What our clients say…

  • KJ M. AvatarKJ M.

    Greg and Eric were extremely responsive and professional. They handled our claim, and helped us maximize our settlement. They made sure every possible potential damaged item was covered. The amount we recovered more than paid their fee. - 10/23/2018 

    Louis S. AvatarLouis S.

    In a rather difficult time, Greg was reassuring, very professional and genuinely interested in our project. We had frequent updates and he saw the situation through to completion. I highly recommend Claim Concepts. - 10/23/2017 

    Vitasta M. AvatarVitasta M.

    Claim concepts helped us file a claim that I insurance company had denied. they came up with a very detailed estimate and were helpful throughout the process - 11/23/2018 

  • Bryan B. AvatarBryan B.

    Greg was very helpful with my insurance claim. He was always just a phone call away. I hope I never have another mishap in my home, but if I do I will not hesitate to contact Greg Roover at Claim Concepts. - 10/23/2017 

    Karen K. AvatarKaren K.

    Eric and Greg were very responsive and knowledgeable and guided our Association through the insurance claim process. - 10/02/2019 

    Stephen R. AvatarStephen R.

    Great people to work with. We had a flood from a broken pipe and the insurance company was not giving us enough money to pay for repairs. We hired Claim Concepts to handle the case and in the end we almost doubled the money originally offered by the insurance company! And, that was after paying the fee to Claim Concepts! Repairs are being made as I write. Thanks Gregg and Eric! - 10/06/2017 

If you are looking for a Public Adjuster Near Me, you came to the right place. Our Florida Public Adjusters represent Policyholders Statewide, including but not limited to the following areas:

Florida Panhandle, Bay County, Washington County, Holmes County, Jackson County, Calhoun County, Gulf County, Franklin County, Liberty County, Gadsden County, Wakulla County, Leon County, Panama City, Panama City Beach, Marianna, Port Saint Joe, Apalachicola, Blountstown, Tallahassee, Mexico Beach, Callaway, Chattahoochee, Lynn Haven, South Florida, Central Florida, Northern Florida, Southwest Florida, West Florida, Palm Beach County, Martin County, St Lucie County, Broward County, Okeechobee County, Brevard County, Glades County, Indian River County, Lee County, Dade County, Boca Raton, Jupiter, Palm Beach Gardens, West Palm Beach, Wellington, Boynton Beach, Lake Worth, Hobe Sound, Stuart, Palm City, Juno Beach, North Palm Beach, Royal Palm Beach, Singer Island, Riviera Beach, Collier County, Charlotte County, Palm Bay, Melbourne, Vero Beach, Cape Coral, Fort Myers, Orange County, Orlando, Port Saint Lucie, Weston, Delray Beach, Kissimmee, Fort Pierce, Greenacres