How to Choose the Right Public Adjuster for Your Property Claim 

If you've experienced property damage in Florida due to a hurricane, storm, fire, or flood, you're likely dealing with the stress of filing an insurance claim. One of the smartest moves you can make during this time is hiring a Public Adjuster, a licensed professional who advocates for you, not the insurance company.

But not all adjusters are created equal. Choosing the right one can be the difference between a lowball offer and a fair settlement that covers your actual losses.

Here’s a step-by-step guide to help you choose the right Public Adjuster for your property claim in Florida.

🏡 Why Hire a Public Adjuster?

A Public Adjuster is licensed to represent the policyholder in documenting, filing, and negotiating an insurance claim. Insurance companies have their own adjusters, shouldn’t you have someone in your corner too?

Benefits include:

• Accurate damage assessment
  
  

• Better understanding of policy coverage
  
  

• Maximized settlement payouts
  
  

• Less stress navigating complex claim processes

✅ 1. Check for Florida State Licensing

In Florida, all Public Adjuster must be licensed by the Florida Department of Financial Services. You can verify their license at MyFloridaCFO.

Look for:

• A valid license number
  
  

• Clean record
  
  

• Current standing
  
  

Pro Tip: Don’t work with unlicensed individuals or contractors who claim they can negotiate your claim.

🧠 2. Look for Experience with Your Type of Damage

Different adjusters may specialize in different types of claims. If you’ve experienced hurricane damage, water damage, or fire loss, make sure your adjuster has specific experience in handling those types of claims.

Ask:

• How many hurricane-related claims have you handled?
  
  

• Have you worked with properties like mine?
  
  

• Do you understand Florida-specific policy language?

📢 3. Read Reviews and Testimonials

Online reviews can be incredibly revealing. Check platforms like:

• Google
  
  

• BBB (Better Business Bureau)
  
  

• Facebook
  
  

• Nextdoor
  
  

Look for reviews that mention:

• Responsiveness
  
  

• Claim success stories
  
  

• Customer service
  
  

• Settlement satisfaction
  
  

Red flag: Be cautious if you see multiple reviews mentioning slow communication or unclear pricing.

💼 4. Ask About Their Fee Structure

In Florida, Public Adjuster typically charge a percentage of the claim settlement—often no more than 10% as regulated by state law.

Clarify:

• What percentage they charge
  
  

• If they charge upfront (they shouldn’t)
  
  

• Whether they offer free consultations
  
  

At Titan Public Adjusters, we never charge upfront fees and only get paid when you do.

📞 5. Evaluate Their Communication

You’re trusting this person with a significant financial matter. Make sure they are:

• Easy to contact
  
  

• Transparent
  
  

• Willing to explain your policy and process
  
  

You should never feel in the dark about your own claim.

📋 6. Ask for a Sample Report or Claim History

If you want to go deeper, ask to see examples of past settlements.

Good signs:

• Detailed documentation
  
  

• Strong negotiation skills
  
  

• High recovery percentages compared to initial offers

🌪️ 7. Choose Local Expertise

Florida’s weather, building codes, and insurance regulations are unique. Choose a Public Adjuster who understands:

• Florida’s hurricane risks
  
  

• State statutes on insurance claims
  
  

• Local contractors and pricing
  
  

Bonus: Local adjusters like Titan Public Adjusters can visit your property faster and communicate with local insurers more effectively.

🔍 Summary: What to Look for in a Public Adjuster

🤝 Let Titan Public Adjusters Be Your Advocate

If you’re facing the stress of a property damage claim in Florida, don’t go through it alone. At Titan Public Adjusters, we’ve helped hundreds of Florida homeowners and businesses get the maximum settlement for their losses.

📲 Schedule your free claim consultation today and discover the Titan difference.