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What Our Customers Say

It has been a pleasure working with you regarding my insurance claims issues.  At the start of this process, I am sure that you recall my apprehension regarding working with a public adjuster.  Not only was I concerned with potentially alienating my carrier, I was not certain of the true value of such a relationship.  Thankfully, you have seamlessly guided me through this process with confidence, efficiency and professionalism.  I have to admit that my naivety on such matters would have subjected me to settling for much  less than what I was entitled to.  I am grateful that you have politely and firmly represented my interests effectively.

Dr. S. - Jacksonville, FL - DeerwoodIncreased Claim By 375% From Original Insurance Company’s Offer!

Mr. D’Amico,

I am writing to give you a heartfelt THANK YOU!

I was totally distraught after my insurance company wrote and estimate for the damages to my house from hurricane Matthew that was less than my deductible. I felt insulted and betrayed. I had no idea what a Public Adjuster was, but I am so glad that I was referred to you. After we met, you put my mind at ease and knew that you were the right person to represent and advocate for me. From day one, your professionalism and knowledge guided us through the entire claims process.

At times I was nervous and stressed, you provided clarity and confidence. When I wanted to give up, you encouraged me to press on. Your GPS approach to claims works! We came to an awesome settlement just over 90 days after you started working on my claim.I will recommend you and your services to everyone I know. You provide an invaluable service to homeowners. Everyone should know about you! No one should ever go unrepresented for a property insurance claim.

Thank you! Thank you! Thank you!

C. Dewing - Jacksonville, FL - Southside (Gate Parkway Area)Increased Claim by INFINITY! Original claim was $0 and we settled for over $25K!!

Dear David,

Upon returning to my home after Hurricane Irma on September 11, 2017, I encountered 3 feet
of standing water throughout. All of my furniture and many of my belongings were lost to the
flood. You were the first call I made, and what smart move that was.

The next two weeks were incredibly stressful for various reasons, but having you consult with us
and the carrier USAA in filing the insurance claim made my life so much easier during that
period. It was a relief that all the paperwork and negotiations could be delegated to you, and I
could resume the business of putting a home together.

I appreciate your responsive communication as well as your diligence in obtaining the maximum
payout on our policy. I could not have achieved that result on my own–your expertise is
invaluable and I have been and will continue to recommend you whenever I can.

Thank you again for letting me rest easy. If you ever need a reference for a client in the future,
please ask them to call me. Hiring you was a win-win opportunity.

Bethany B - Jacksonville, FLGrateful, Satisfied Customer

A wise person seeks guidance from an expert
when traveling a difficult path.”





As public adjusters and property insurance
claim experts, we guide you through the
claims process, driving toward your
maximum settlement.

We work your claim, but YOU are in control.

When we come to a “fork in the road”
concerning your claim, we’ll discuss the
pro’s and con’s of turning right or left. We’ll
give you our professional opinion, answer
your questions, look out for your best
interest, and help you make a wise


Prior Preparation Prevents Poor

It takes a lot to prepare an insurance claim
properly in order to present, defend,
negotiate and reach a maximum settlement
for you.

There are 3 very important rules when
preparing an insurance claim, Document
– Document – Document.

We’ll do it all from investigating your claim
(Who, what, when, where, how much, to
what extent, etc.) Gathering the facts of
the claim, the damages, and the property.



The end goal is to come to a prompt, fair,
and amicable resolution to your claim. We
like to say, Maximum Settlement!

What Is A Public Adjuster?

A Public Adjuster’s sole responsibility is to advocate for the policyholder’s position in a property damage claim. A Public Adjuster is hired by the policyholder or third party claimant.

The Public Adjuster measures and documents a policyholder’s loss on behalf of that policyholder, taking care of the claim process, and helping to document all losses to the insurance company adjuster.

A Public Adjuster handles only first party and third party property claims, which means they assist the owner of the property in handling a claim with that owner’s insurance company.  Generally, a Public Adjuster handles claims for damage to real and personal property, and the related loss of income, which results from such perils as fire, lightning, wind, water, vandalism, theft, collapse, hail, flood, etc.

What Important People Say About Public Adjusters

“I understand what an important place public insurance adjusters have in the whole scheme of the world of insurance. What would we do without public adjusters? Where would people go if they had no other place to turn?”

-Former Florida Chief Financial Officer, Alex Sink

“Many people describe their insurance claim experience as a full time job. Negotiating a fair claim settlement can be very challenging, especially after an emotionally devastating catastrophe.” “If you rely completely on your insurance company to calculate the amount of damage and what you’re owed, you are unlikely to recover a full or fair settlement.”

-Amy Bach, co-founder of

United Policyholders 

“Since I was President of the senate during Hurricane Andrew, I can tell how much I appreciate the fact that public adjusters are waging this campaign and making people understand that there’s help out there”

-Florida State Senator Gwen Margolis

“The role of the public adjuster is an important one and something that we must continue to emphasize in Tallahassee. They are small business owners and people that are creating jobs. Preventing access to public adjusters hurts the public.”

-Florida State Representative Jose Felix Diaz

“Analysis of Citizens Property Insurance Corporation claims data found that property owners received higher payments when claimants used public adjusters for claims filed in 2008 and 2009.”

“Complaints and regulatory actions against Florida’s public adjusters are relatively low. “

 -2010 Oppaga Report

The public adjuster provides professional insurance claim expertise to assist the home or business owner recover from financial loss due to an insured event. 

Public Adjusters Get Policy Holders More Money

Policyholders with public adjuster representation typically received higher settlements than those without public adjusters. Policyholders that filed catastrophe claims in 2008 and 2009 generally received larger insurance settlements than policyholders that did not hire these persons. The typical payment to a policyholder represented by a public adjuster was $22,266 for claims filed in 2008 and 2009 related to the 2004 hurricanes (see Exhibit 6). In contrast, policyholders who did not use a public adjuster received typical payments of $18,659. The difference in payments was larger for claims related to 2005 hurricanes, with public adjuster claims resulting in payments that were 747% higher. However, as policyholders pay public adjuster fees as a percentage of their settlement, their net settlement would be lower than this amount.

-2010 Office of Program Policy Analysis & Gov’t Accountability (OPAGGA) Report


Our Average Claim Increase

Don’t Settle For Less!

Public Adjusting

Claims Preparation

Claims Consulting

Appraisal Services

Scoping, Estimate, Loss


Policy Review & Analysis

Education Services

Call 904.779.3900

To Discuss Your Claim

First Coast Claim Consultants
First Coast Claim Consultants
It has been a pleasure working with you regarding my insurance claims issues. At the start of this process, I am sure that you recall my apprehension regarding working with a public adjuster. Not only was I concerned with potentially alienating my carrier, I was not certain of the true value of such...
First Coast Claim Consultants
First Coast Claim Consultants
I'm looking for an introduction to the owners at Palm Casual Furniture
Michael Halusek, Cory Halusek, or Heather Halusek.

I want to help them with the fire they had at they're store on Beach Boulevard.

First Coast Claim Consultants
First Coast Claim Consultants
When this happens, it's usually because the owner only shared it with a small group of people, changed who can see it or it's been deleted.