What We Do

A Public Adjuster exists to protect you and your claim

In the aftermath of a fire, you’re suddenly expected to make crucial financial decisions while you’re still processing the shock of what happened. As a Public Adjuster in Jacksonville, FL, we provide clear, professional insurance claim help so you don’t have to go through this process alone.

What is a Public Adjuster?

Insurance companies have their own adjusters whose job is to protect the insurer’s interests. As your licensed Public Adjuster in Jacksonville, we protect your interests.

When you hire a Public Adjuster, you get an advocate who helps you:

Understand what your insurance policy actually covers
Prepare and document your fire damage claim correctly
Comply with your insurer’s requirements
Communicate with the insurance company on your behalf
Negotiate a fair, full settlement

You have the right to choose your own Public Adjuster

Many homeowners don’t realize this, but you are not required to rely solely on the insurance company’s adjuster.

You have the legal right to hire your own fire damage Public Adjuster in Jacksonville who will:

Advocate for you
Protect your claim
Help you make informed decisions

What are the different types of adjusters?

.	Insurance company adjuster	Independent adjuster	Public adjuster
Who hires them	Employed directly by the insurance company	Hired by the insurance company on contract	Hired by you, the policyholder
Who they represent	The insurance company	The insurance company	The policyholder
Primary responsibility	Protect the insurance company’s interests	Protect the insurance company’s and Third-Party Administrator’s interests	Protect your interests
Whose side they’re on	The insurer	The insurer	Your side
Who controls their work	The insurance company	The insurance company	The policyholder
Focus of their role	Managing and settling claims for the insurer	Managing and settling claims for the insurer	Preparing, documenting, and negotiating your claim, protecting your interests at all times
Fiduciary duty to act in your best interest	No	No	Yes
Licensed to advocate for you	No	No	Yes, this is their sole role

All three types of adjusters may be licensed by the State of Florida, but a Public Adjuster is the only one legally licensed and required to represent you.

National attention on the role of Public Adjusters

"When dealing with a fire loss, the best advice is to have a Public Adjuster."

We were glad to see Good Morning America highlight the important role Public Adjusters play in helping homeowners navigate insurance claims and protect their interests during difficult moments.

What we offer you

Clear direction and peace of mind

You receive step-by-step insurance claim help after fire damage through our GPS approach: Guidance, Preparation, and Settlement. You always know what’s happening and what comes next.

Less stress, less hassle

We manage communication with the insurance company and help you meet your policy obligations, reducing frustration and uncertainty.

Complete claim documentation

We make sure nothing important is overlooked. Your fire damage claim is fully documented using reports, photos, measurements, estimates, and expert input.

Mitigation and temporary living guidance

You receive direction on protecting your property, documenting additional living expenses, and understanding what your policy allows.

Contractor and rebuild guidance

We will advise against the premature hiring of contractors until damages, job specifications, and the cost of the job are known, agreed to, and paid for by the carrier.

Why should I hire a Public Adjuster?

After a fire or major loss, you’re suddenly expected to prove your claim, understand a complex insurance policy, and meet strict requirements—all while you’re dealing with disruption, stress, and real life.

A Public Adjuster helps because:

The burden of proof is on you. Your policy requires you to document and justify your loss in specific ways.
Insurance policies are complex. They’re often dozens of pages long, filled with exclusions, conditions, and technical language that can affect your settlement.
Missing a requirement can cost you. Overlooking a policy condition or deadline can reduce your payment or even jeopardize your claim.
The process is time-consuming and detailed. Preparing, documenting, and negotiating a claim properly takes time, experience, and organization.

You’ve paid your premiums, now get what you deserve

A Public Adjuster helps you pursue the settlement you’re entitled to, with guidance, advocacy, and support every step of the way.

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?”

“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.”

“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.”

“Your interests and the interests of your insurance carrier are not aligned, despite what the commercials say. A public adjuster is experienced when it comes to handling insurance claims and can efficiently guide you through the process. Nine times out of ten, this will lead to a more accurate initial estimate from the carrier, which will eliminate the need for numerous claim supplements and lead to a much faster resolution of the claim.”

“Anybody who thinks you don’t need help as a consumer, stand there on your own and fight a company that has the level of expertise and sophistication and economic leverage of an insurance company when all these complex issues related to the technical language of your policy… this is complex. Just the nature of this… I might just want to seek out some help from somebody.”

“The best time to hire an adjuster is at the beginning of a big claim. This allows the adjuster the most time—and therefore, the best chance—to expedite your claim. If you didn’t hire a public claims adjuster, you could find yourself in the midst of a claims-related nightmare. However, you can still bring in a public adjuster to help after you have started your claim.”

"Some people say, 'Oh, you don't need to give that percentage to a public adjuster.’ But it was so much worth it, and it was a good deal, and it was absolutely worth it."