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.
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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
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Know these too
Related terms
First Notice of Loss
Your initial report of a claim to the insurance carrier.
Proof of Loss
A sworn statement detailing your claim.
Mitigation
Steps you take to prevent further damage after a loss.
Public Adjuster
A state-licensed professional who represents policyholders.
Company Adjuster
A carrier-employed adjuster who represents the carrier.
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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.
Go deeper
Where else this term matters
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Glossary
Related insurance terms
Ozone Treatment
Related glossary entry: Ozone Treatment.
Experience Modifier
Related glossary entry: Experience Modifier.
Property Schedule
Related glossary entry: Property Schedule.
Subrogation Waiver
Related glossary entry: Subrogation Waiver.
Fortification Discount
Related glossary entry: Fortification Discount.
Policy Period Extension
Related glossary entry: Policy Period Extension.
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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