Glossary · process
Public Adjuster
A state-licensed professional who represents policyholders.
Public adjusters work for you, not the insurance company. Licensed by Florida DFS under FS 626.854. Fees capped and contingency-based.
In practice
Where you encounter "Public Adjuster" in Florida claims
Policyholders see "Public 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 carrier-employed adjuster who represents the carrier.
A contract adjuster hired by 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.
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.
No obligation. No fee unless recovery.
Free review. No fee unless we recover more.
Glossary
Related insurance terms
Related glossary entry: Non-Renewal.
Related glossary entry: Named Perils.
Related glossary entry: Expiration Date.
Related glossary entry: Constructive Total Loss.
Related glossary entry: Policy Limit.
Related glossary entry: Catastrophic Ground Cover Collapse.
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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