Florida Public Adjuster Serving West Palm Beach to Tampa Bay License #W518183
What Is a Public Adjuster?
A public adjuster is a licensed professional who represents you, the policyholder, in a property insurance claim. Your insurance company has its own adjuster. A public adjuster works for you instead, documenting the damage, communicating with your insurer, and negotiating a fair settlement under your policy.
What a Public Adjuster Does
Reviews your policy to determine coverage
Inspects and documents the damage, including damage that isn't obvious
Prepares and submits your claim with photos, measurements, and estimates
Handles communication with your insurance company
Attends inspections your insurer schedules
Negotiates a fair settlement under the terms of your policy
Public Adjuster Vs. Your Insurance Company's Adjuster
Your Insurance Company's Adjuster
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Works for the Insurance Company
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Evaluates the claim on behalf of the insurer
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Focuses on the insurance company's interests
A Public Adjuster (Works for You)
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Works for you, the policyholder
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Builds the claim on your behalf
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Documents the full extent of the damages
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Negotiates a fair settlement under your policy
How Public Adjusters Are Paid
Fair Claims is paid a percentage of your claim payment, as set out in a written contract. There are no upfront costs, and we only get paid if your claim is paid. Florida law regulates public adjuster contracts and fees, our fees vary between 10% and 20% of the claim payment, as stated in your written contract.
GET EXPERT HELP WHEN YOU NEED IT
When to Call a Public Adjuster
If you're facing any of the following situations, a public adjuster can help level the playing field and protect your interests.
New Claims
Just filed a claim or about to file? Fair Claims can step in and handle the process from the start.
Underpaid Claims
Received a settlement that seems too low? We can help you get what you're owed.
Denied Claims
Your claim was denied? We'll review your policy and fight for a fair outcome.
Complex Claims
Multiple types of damage? We have the experience to handle complex claims.
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A Proven Process.
1. REVIEW
2. DOCUMENT
3. NEGOTIATE
Tell us what happened. We review your policy, damage, and claim status to explain how we may be able to help.
We inspect and document the damage, prepare your claim, and organize the supporting information your insurer needs.
We communicate with your insurance company and negotiate on your behalf for a fair settlement under your policy.
Common Questions
Do I need a public adjuster?
Not always. If the damage is minor and your insurer's estimate covers it, you may not. It's most helpful when the damage is significant, the estimate seems low, the claim was denied, or the process feels overwhelming.
What does it cost?
No upfront costs. We're paid a percentage of the claim payment, set out in a written contract. Fees vary between 10% and 20% of the claim payment, as stated in your written contract.
Can I hire one after I've already filed?
Yes. Many people call after receiving an estimate or a denial. Florida has claim deadlines, so the sooner the better.
How do I know an adjuster is licensed?
Florida requires public adjusters to be licensed, and you can look up any license through the Florida Department of Financial Services. Mine is #W518183.
WHAT OUR CLIENTS SAY
Trusted by Homeowners Across Florida
Kaitlyn is the best public adjuster I have ever dealt with. She is very professional and she knows her business. If you ever need a public adjuster she is the one you want on your side. I had a major leak little and I know now that leak had been leaking for years creating mold all over the side of my home. Trust me when I tell you she’s the best and she’s the one you would like to hire.
-Madeline S.
Orlando, Fl.
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As an insurance agent, I've referred multiple clients to her and she has always provided great service. She is knowledgeable in all things claims and has been instrumental in making sure carriers play ball fairly.
Tommy C.
Brandon, Fl.
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Kaitlin did an absolutely amazing job helping with my insurance claim. She handled everything and made it such an easy and stress-free process. With her guidance I was able to get me all of the money I needed for the necessary repairs. If you’re planning on putting in a claim with your insurance company let Kaitlin handle the process for you. Her experience and knowledge will get you the best possible outcome.
Lucas L.
Port St. Lucie, Fl.
