Frequently Asked Questions
From understanding what a Public Adjuster does, to knowing how our process works, to learning about the benefits of our free Adjuster Advantage™ Protection Program — here you’ll find clear answers to the questions homeowners, businesses, and community associations ask us most.
General FAQs
A Public Adjuster is a licensed professional who represents you, the policyholder — not the insurance company. We document damages, handle communication with your insurer, and negotiate settlements to pursue the maximum recovery possible.
Insurance company adjusters work for the insurer. By hiring a Public Adjuster, you level the playing field — ensuring your losses are fully documented and your rights are protected.
Yes. In both Florida and New Jersey, Public Adjusters are licensed and regulated by the state. Our role is to protect and represent policyholders.
We represent property owners for damages caused by hurricanes, storms, water, fire, smoke, vandalism, theft, mold, business interruption, and more.
Yes. We often reopen claims or file supplements, depending on state rules and deadlines.
We respond as quickly as possible, typically within 24–48 hours depending on conditions and demand. Our goal is always to act quickly so your damages are documented right away.
Members of Adjuster Advantage™ also receive priority scheduling after major storms.
Homeowner FAQs
Not necessarily. You can call us first — we’ll advise you and, once formally retained, we’ll handle communication with the insurer on your behalf.
We can step in mid-claim, review what’s been done, and often recover more than what was initially offered.
Business & Commercial FAQs
Yes. We pursue not only property damage but also lost income and extra expenses caused by downtime.
Absolutely. We have experience handling complex, high-value commercial claims across multiple properties.
Yes. Our goal is to take the burden off you so you can focus on operations while we focus on recovery.
Condo & HOA FAQs
Yes. We handle master policy claims and damages to common areas like roofs, pools, gyms, and clubhouses.
Yes. We work alongside boards, managers, and attorneys whenever necessary to protect your community’s financial interests.
We review your coverage, identify risks, and help your association plan for resilience and preparedness.
Adjuster Advantage™ FAQs
It’s our free program for homeowners, businesses, and associations in Florida & New Jersey. It ensures you’re prepared before disaster, with priority response and discounted rates when claims arise.
Yes. There is no cost to join and no obligation. You only pay if we recover funds for you — and your member rate is discounted compared to standard fees
- Priority scheduling after major storms
- A secure digital portal for policies & photos
- Preparedness alerts before and after disasters
- Discounted Public Adjuster rates when you need representation
No. By law, representation requires a signed written agreement for each claim. This protects you by ensuring you always know the terms before we act on your behalf.
You can enroll directly on our website in just a few minutes. Membership is completely free.
Fees & Compliance FAQs
We only get paid if we recover funds for you. Our fee is a percentage of that recovery, and members of Adjuster Advantage™ receive a discounted rate. All fees are disclosed in writing before you sign, as required by law.
No. There are no upfront costs.
Yes. Everything you provide is kept confidential, except where documentation must be shared with your insurer to support your claim.
It’s the law — and it’s for your protection. A separate written agreement ensures you know exactly what you’re authorizing and what the fee will be before we take action on your claim.
Getting Started
Yes. We offer free consultations. Even if you’re unsure, we’ll review your situation and explain your options.
Contact us right away. We’ll inspect, document, and handle communication with your insurer so your claim gets the attention it deserves.
That’s completely normal — insurance companies always send their own adjusters first, but remember: those adjusters work for the insurance company, not for you.
Even if your claim is already open, it’s never too late to get us involved. Once you retain us, we:
- Take over communication with your insurer
- Re-inspect and document the full scope of damages (not just what their adjuster saw)
- Identify missing or overlooked items
- Begin negotiating on your behalf right away
Whether your claim is brand new, already in progress, or even denied, we can step in and fight for the recovery you deserve.
Yes. Our secure portal makes it easy to upload photos and documents directly from your phone or computer.
Adjuster Advantage™ — Your Ongoing Protection
Now, through our free Adjuster Advantage™ Program, every qualified property owner in Florida and New Jersey can have experienced Public Adjusters on their side — ready to support you before, during, and after disaster strikes.With Adjuster Advantage™, you’re not just covered for today’s claim — you’re building peace of mind for the future.