For Realtors
When to Recommend a Public Adjuster to Your Clients
Your client's claim is taking too long, the offer is low, or the carrier is difficult. Knowing when to refer to a PA is a value-add.
Your client's claim is taking too long, the offer is low, or the carrier is difficult. Knowing when to refer to a PA is a value-add.
Context
Overview
Realtors who recognize claim trouble and refer clients to licensed public adjusters build loyalty and referrals. You are not practicing insurance; you are recommending expertise.
How it works
Workflow
- 01
Step 1
Ask clients about open insurance issues during listing or purchase
- 02
Step 2
Note delays, low offers, or denial issues
- 03
Step 3
Refer to a licensed Florida public adjuster
- 04
Step 4
Stay out of the claim itself (not your role)
- 05
Step 5
Reconnect after claim resolution
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
- XDiscussing claim strategy yourself
- XAccepting referral fees (regulated in Florida)
- XAssuming the carrier will treat your client fairly by default
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.
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
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.
Helping Buyers Understand Florida Insurance
Another guide for contractors, realtors, and property managers.
Documenting Damage for Insurance Claims
Another guide for contractors, realtors, and property managers.
Xactimate Basics for Florida Contractors
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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