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What Is a Public Adjuster—and Why You Might Need One in Florida

When you’re facing property damage from a hurricane, flood, fire, or other disaster, the insurance claims process can be stressful and confusing. That’s why many Florida homeowners turn to public adjusters—licensed professionals who advocate for you (the policyholder), not the insurance company.

But before you sign a contract, it's important to ask the right questions. At Titan Public Adjusters, we welcome transparency and understand that choosing the right public adjuster is a big decision. In this blog, we’ll share the most common questions clients ask before hiring us, along with the honest answers every homeowner deserves.

1. What exactly does a public adjuster do?

A public adjuster:

Evaluates and documents your property damage
Reviews your insurance policy
Prepares and submits the claim on your behalf
Negotiates with the insurance company for a fair settlement

We work for you, not your insurer. Unlike company adjusters, our sole priority is maximizing your payout based on the true value of your loss.

2. How are you different from the insurance company’s adjuster?

The insurance company’s adjuster is paid to protect their bottom line. Their job is to minimize payouts.

In contrast, a public adjuster is:

Independent
Licensed by the state of Florida
Hired by you, the policyholder
Focused on getting you the best possible settlement

We act as your advocate and expert guide throughout the claims process.

3. When should I hire a public adjuster?

The best time to hire a public adjuster is as soon as possible after damage occurs.

However, we can still help if:

Your claim has been underpaid
Your claim was denied
You’re overwhelmed or unsure how to move forward
You want a second opinion on an existing claim

Early involvement allows us to document damage thoroughly and prevent costly mistakes.

4. How do you get paid?

Public adjusters typically work on a contingency fee basis. That means:

No upfront fees
We only get paid if you get paid
Our fee is a small percentage of your final settlement

At Titan, our clients never pay out of pocket—and we often recover significantly more than what was originally offered by the insurer.

5. Are you licensed in Florida?

Yes. Any reputable public adjuster should be licensed by the Florida Department of Financial Services. Always verify credentials before signing a contract.

You can check our license by visiting the Florida DFS License Lookup:
👉 Division of Corporations

6. Can you handle my specific type of damage?

At Titan Public Adjusters, we have experience with all major types of property damage, including:

Hurricane and windstorm damage
Flood and water damage
Fire and smoke damage
Mold and roof damage
Business interruption and commercial claims

Each case is unique, but our team is trained to handle even the most complex claims with precision.

7. What kind of results have you achieved for past clients?

We’re proud of our track record. Many clients come to us after being underpaid or denied—and we often recover 2x to 5x more than the initial offer.

We can provide case studies or references upon request, and you can also check our Google reviews and testimonials.

8. How long does the claims process take with a public adjuster?

Claim timelines vary based on the type of damage, complexity, and how responsive the insurance company is. However, we typically see faster resolutions than clients working alone.

Here’s why:

We know how to present the claim correctly the first time
We keep pressure on the insurer to avoid delays
We understand Florida insurance law and timelines

9. Can you help with a denied or underpaid claim?

Absolutely. This is one of our specialties. If your insurer denied or drastically underpaid your claim, we can:

Review the denial letter and policy
Reopen or appeal the claim
Submit new documentation
Negotiate for a revised settlement

Time is of the essence here—don’t wait too long to seek help.

10. What should I look out for when hiring a public adjuster?

Here are a few red flags:

🚩 No Florida license
🚩 Pressure to sign immediately
🚩 No references or poor online reviews
🚩 Upfront payment requests
🚩 Lack of transparency or communication

At Titan Public Adjusters, we believe in trust, honesty, and client education. We’re here to empower you—not pressure you.

Hiring a public adjuster can be the smartest move you make after disaster strikes—if you ask the right questions. It’s your home, your livelihood, and your future on the line. Don’t leave it to chance, and don’t let the insurance company dictate your recovery.