Glossary · process
Independent Adjuster
A contract adjuster hired by the carrier.
Independent adjusters are licensed in Florida but work on contract for carriers. Often used during catastrophe surges. They still represent the carrier's interest, not yours.
In practice
Where you encounter "Independent Adjuster" in Florida claims
Policyholders see "Independent Adjuster" referenced in policy language, claim correspondence, and carrier scope of loss documents. Knowing the precise definition under Florida practice keeps you from accepting carrier framing. See also FS 626.854 on Public Adjuster licensing and FS 627.70131 on carrier duties.
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.
Know these too
Related terms
Your initial report of a claim to the insurance carrier.
A sworn statement detailing your claim.
Steps you take to prevent further damage after a loss.
A state-licensed professional who represents policyholders.
A carrier-employed adjuster who represents the carrier.
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.
Go deeper
Where else this term matters
Emergency playbooks for every property damage type.
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No obligation. No fee unless recovery.
Free review. No fee unless we recover more.
Glossary
Related insurance terms
Related glossary entry: Ozone Treatment.
Related glossary entry: Experience Modifier.
Related glossary entry: Property Schedule.
Related glossary entry: Subrogation Waiver.
Related glossary entry: Fortification Discount.
Related glossary entry: Policy Period Extension.
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.
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