For Contractors
When Your Customer Needs a Public Adjuster
Situations where your customer's claim will benefit from public adjuster representation. How recognizing these situations helps you complete more projects.
Situations where your customer's claim will benefit from public adjuster representation. How recognizing these situations helps you complete more projects.
Context
Overview
As a contractor, you see claims from the inside. When the carrier scope does not match your estimate, when the inspection felt rushed, when the customer is overwhelmed, a public adjuster can bridge the gap. Your project gets funded fully. The customer gets their home restored.
How it works
Workflow
- 01
Step 1
Compare carrier scope to your estimate line-by-line
- 02
Step 2
Identify scope gaps of 20%+ as red flags
- 03
Step 3
Ask customer how long since FNOL and carrier response
- 04
Step 4
Note if carrier requested recorded statements or AOBs
- 05
Step 5
Refer to a public adjuster when complexity exceeds self-handle
- 06
Step 6
Coordinate with PA on scope supplementation
Free claim review
Get a free claim review from a licensed Florida public adjuster.
We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Avoid these
Common mistakes
- XAssuming every gap needs a PA (minor ones may not)
- XPushing AOB instead of PA referral
- XMissing scope gaps because you did not see the carrier scope
No obligation. No fee unless recovery.
Partner with Ocean Point Claims Company.
Build referral relationships with a licensed Florida public adjuster.
Free claim review
Still building your claim? We can help right now.
A licensed Florida public adjuster will review your policy and loss documentation for free.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
Know the law
Related statutes
FS 626.854 Public Adjuster Licensing
Your right to professional representation.
FS 627.70131 Carrier Duties
What carriers must do and when.
FS 627.70132 Notice Deadlines
When you must file.
FS 627.7142 Homeowner Bill of Rights
What the carrier owes you.
FS 626.9744 Matching
Reasonable matching requirement.
Go deeper
Related resources
First 48 Hours
Emergency playbooks for every property damage type.
Claim Process
Every stage from first notice to settlement.
Florida Law
Statutes that protect policyholders.
Denied Claims
Every common denial reason explained.
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All 67 Florida counties.
Glossary
Every claim term defined.
Claim Types
Hurricane, water, fire, roof, more.
Storms
Every major Florida storm profiled.
Calculators
Decision and settlement tools.
Case Studies
Real Florida recoveries.
Help Center
Common problems answered.
For professionals
Other resources for professionals
How Contractors and Public Adjusters Work Together
Another guide for contractors, realtors, and property managers.
Four-Point and Wind Mit Inspections for Closing
Another guide for contractors, realtors, and property managers.
Florida Assignment of Benefits Reform: What Changed
Another guide for contractors, realtors, and property managers.
When to Recommend a Public Adjuster to Your Clients
Another guide for contractors, realtors, and property managers.
Rental Property Insurance Claims for Property Managers
Another guide for contractors, realtors, and property managers.
Free claim review
Your policy says more than you think. Find out what you are actually owed.
Licensed Florida public adjusters. Free claim review. No recovery, no fee.
- ✓Licensed Florida public adjusters
- ✓We work for policyholders, not insurance companies
- ✓No fee unless we recover more than you were offered
What kind of damage?
Pick the closest match. We will ask for details later.
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