How much does a public adjuster cost in Florida?

Florida law caps public adjuster fees at 20% of the claim payment you recover. For claims caused by an event the Governor has declared a state of emergency — such as a hurricane — the cap is 10% of the payment for the first year after the declaration (Fla. Stat. 626.854). Claim Remedy Adjusters works on a contingency basis: there is no upfront cost, and you pay nothing unless we recover money on your claim. Fees are exclusive of attorney fees and costs.

Is hiring a public adjuster worth it?

It depends on your claim. A 2010 Florida state study (OPPAGA Report 10-06) found that policyholders who used a public adjuster recovered substantially more on their claims, on average, than those who did not. A public adjuster is most worth it when your claim has been denied, underpaid, or is large and complex. For a small, straightforward claim your insurer has already paid in full, you may not need one. Individual results vary by policy, coverage, and the facts of each claim.

Can I hire a public adjuster after I've already filed or been paid?

Yes. You can bring in a public adjuster at any open stage of a claim — including after a denial, after a lowball offer, or to reopen an underpaid claim — as long as you are within your policy's deadlines. We review the carrier's basis for its decision, re-document the loss, and re-present the claim with the evidence the first submission may have lacked.

What's the difference between a public adjuster and the insurance company's adjuster?

The insurance company's adjuster works for the insurer and is paid to settle your claim for as little as possible. A public adjuster is licensed by the State of Florida to represent you, the policyholder, and works only for you — documenting the full scope of your loss and negotiating for the payment you are owed.

The honest answer

Do I Need a Public Adjuster?

Not every claim needs one — but the right claim, in the right hands, can mean thousands more in your pocket. Here's how to tell which one you have, and exactly what it costs in Florida.

Get a Free Claim Review Call (305) 733-1670

When it makes sense

Signs you should hire
a public adjuster.

If any of these describe your situation, a licensed public adjuster is likely worth a conversation. Each one is a place insurers routinely underpay — and a place documentation changes the outcome.

Your claim was denied

A denial letter is rarely the final word. Carriers deny for predictable, often beatable reasons — wear-and-tear, disputed cause of loss, or a technicality.

Denied claim help

The offer feels like a lowball

If the payout won't come close to covering real repair costs, an independent estimate and re-documentation can change the number.

Underpaid claims

The loss is large or complex

Hurricane, fire, major water damage, or a commercial loss involves layered coverage and big dollars — exactly where documentation expertise pays for itself.

Hurricane & storm claims

You're overwhelmed by the process

Inventories, deadlines, adjuster calls, and proof-of-loss paperwork are a full-time job. We carry that load so you can focus on getting your home back.

How the process works

There's a dispute over the cause or scope

When the insurer says 'pre-existing' or 'maintenance' and you disagree, the difference is worth thousands. We document what's storm-caused and what's covered.

Water damage claims

You suspect damage was missed

Hidden damage behind walls, under roofs, or inside slabs is routinely overlooked on a first inspection — and left unpaid unless someone finds it.

Roof claims

The honest part

When you may not
need one.

A good public adjuster will tell you when it isn't worth it. You probably don't need to hire one if:

Your damage is small and likely below — or barely above — your deductible.
Your insurer already paid the claim in full and you agree with the amount.
The loss is simple and well-documented, with no dispute over cause or scope.

When in doubt, a free claim review costs nothing and tells you quickly whether there's money being left on the table.

What it costs

Public adjuster cost
in Florida.

Public adjusters in Florida work on contingency — a percentage of what they recover for you. State law sets firm caps on that fee.

20%

Standard claims

The maximum fee on most claims — a share of the payment we recover for you.

10%

Declared-emergency claims

The cap drops to 10% for claims tied to a Governor-declared state of emergency (e.g. a hurricane), for one year after the declaration.

$0 upfront. No recovery, no fee.

You pay nothing out of pocket to get started, and nothing at all unless we recover money on your claim. The fee comes out of the settlement — never your wallet first.

Fee caps are set by Fla. Stat. 626.854(11) and are exclusive of attorney fees and costs. A 2010 Florida state study (OPPAGA Report 10-06) found policyholders who used a public adjuster recovered substantially more on their claims, on average, than those who did not. Individual results vary by policy, coverage, and the facts of each claim — past results do not guarantee future outcomes.

Know the difference

Public adjuster vs. company
adjuster vs. attorney.

Public adjuster

Works for you

State-licensed to represent the policyholder. Documents the full loss, files and negotiates the claim, and is paid a capped percentage only if you recover.

Company adjuster

Works for the insurer

Employed or hired by your insurance company. Their job is to evaluate — and settle — your claim for as little as the carrier can justify.

Attorney

For legal disputes

Steps in when a claim becomes a legal fight — bad-faith, litigation, or lawsuit. Many claims are resolved by a public adjuster long before that stage.

Common questions

Still deciding?

How much does a public adjuster cost in Florida?: Florida law caps public adjuster fees at 20% of the claim payment you recover. For claims caused by an event the Governor has declared a state of emergency — such as a hurricane — the cap is 10% of the payment for the first year after the declaration (Fla. Stat. 626.854). Claim Remedy Adjusters works on a contingency basis: there is no upfront cost, and you pay nothing unless we recover money on your claim. Fees are exclusive of attorney fees and costs.
Is hiring a public adjuster worth it?: It depends on your claim. A 2010 Florida state study (OPPAGA Report 10-06) found that policyholders who used a public adjuster recovered substantially more on their claims, on average, than those who did not. A public adjuster is most worth it when your claim has been denied, underpaid, or is large and complex. For a small, straightforward claim your insurer has already paid in full, you may not need one. Individual results vary by policy, coverage, and the facts of each claim.
Can I hire a public adjuster after I've already filed or been paid?: Yes. You can bring in a public adjuster at any open stage of a claim — including after a denial, after a lowball offer, or to reopen an underpaid claim — as long as you are within your policy's deadlines. We review the carrier's basis for its decision, re-document the loss, and re-present the claim with the evidence the first submission may have lacked.
What's the difference between a public adjuster and the insurance company's adjuster?: The insurance company's adjuster works for the insurer and is paid to settle your claim for as little as possible. A public adjuster is licensed by the State of Florida to represent you, the policyholder, and works only for you — documenting the full scope of your loss and negotiating for the payment you are owed.

Find Out in One Free Call

Tell us about your claim and we'll tell you, honestly, whether you need us. No recovery, no fee.

Talk to a Licensed Florida Public Adjuster

WhatsApp Us Call (305) 733-1670

Claim Remedy Adjusters · Eddy D. Gomez, Licensed Florida Public Adjuster, License W549958. This page is general information, not legal advice, and does not create an attorney-client relationship.