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
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
- 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.
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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