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
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 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.
Licensed Florida public adjuster.
Know the law
Related statutes
Your right to professional representation.
What carriers must do and when.
When you must file.
What the carrier owes you.
Reasonable matching requirement.
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
Related resources
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.
Prepare
Other pre-loss preparation guides
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Another Florida pre-loss documentation or prep topic.
Another Florida pre-loss documentation or prep topic.
Another Florida pre-loss documentation or prep topic.
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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