For Contractors
How Contractors and Public Adjusters Work Together
The PA-contractor workflow. When you lead, when they lead, and how to split the claim-versus-repair lanes cleanly.
The PA-contractor workflow. When you lead, when they lead, and how to split the claim-versus-repair lanes cleanly.
Context
Overview
Public adjusters handle the claim. Contractors handle the repair. The two lanes interact but do not overlap. Clean lane separation prevents misunderstandings and regulatory exposure.
How it works
Workflow
- 01
Step 1
Contractor provides scope and estimate
- 02
Step 2
PA reviews for code and scope gaps
- 03
Step 3
PA negotiates claim with carrier
- 04
Step 4
Contractor revises estimate based on approved scope
- 05
Step 5
Contractor performs repair
- 06
Step 6
PA facilitates depreciation release on RCV policies
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
- XContractor claiming to negotiate on behalf of customer (not licensed)
- XPA pricing repairs (not their job)
- XMiscommunication between lanes causing missed supplements
No obligation. No fee unless recovery.
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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.
Carriers
Every Florida insurance carrier profiled.
Locations
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
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.
Documenting Tenant-Caused Damage for Insurance
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.
Florida claim updates
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