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
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 next.
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.
Build referral relationships with a licensed Florida public adjuster.
Free claim review
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 next.
Know the law
Related statutes
Your right to professional representation.
What carriers must do and when.
When you must file.
What the carrier owes you.
Reasonable matching requirement.
Go deeper
Related resources
Emergency playbooks for every property damage type.
Every stage from first notice to settlement.
Statutes that protect policyholders.
Every common denial reason explained.
Every Florida insurance carrier profiled.
All 67 Florida counties.
Every claim term defined.
Hurricane, water, fire, roof, more.
Every major Florida storm profiled.
Decision and settlement tools.
Real Florida recoveries.
Common problems answered.
For professionals
Other resources for professionals
Another guide for contractors, realtors, and property managers.
Another guide for contractors, realtors, and property managers.
Another guide for contractors, realtors, and property managers.
Another guide for contractors, realtors, and property managers.
Another guide for contractors, realtors, and property managers.
Free claim review
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 next.
Florida claim updates
Real Florida claim case studies, statute updates, and the carrier behavior we see most. Unsubscribe anytime.
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