Pre-Loss
Public Adjuster vs. Independent Adjuster vs. Company Adjuster
Three titles, three allegiances. Who works for you, who works for the carrier, and how to tell.
Three titles, three allegiances. Who works for you, who works for the carrier, and how to tell.
Pre-loss
Why this matters before you have a claim
Public adjusters represent policyholders. Company adjusters work for the carrier. Independent adjusters are contracted by the carrier. All three are licensed in Florida but they have different loyalties.
What to do
The basics
- 01
Step 1
Ask any adjuster who hired them
- 02
Step 2
Verify Florida DFS license status
- 03
Step 3
Understand their fee structure (carrier-paid vs. contingency from you)
- 04
Step 4
Know that a public adjuster can be hired at any stage
- 05
Step 5
Verify no conflicts of interest
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.
Know the traps
Common mistakes
- XAssuming the adjuster sent by the carrier represents you
- XConfusing an independent adjuster with a public adjuster
- XNot verifying licensing
When to seek professional help
If this topic intersects with an open claim or if you have questions that go beyond prep, a licensed Florida public adjuster can review your policy at no cost.
No obligation. No fee unless recovery.
Annual policy review? Open claim? Free consultation.
Licensed Florida public adjuster.
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.
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.
Go deeper
Related resources
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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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