Frequently Asked Questions

Everything You Need to Know About Adjuster Advantage™

Getting Started

Yes. Enrollment is completely free for every qualified Florida property owner. You only pay if we recover money for you — and our fees are a pre-disclosed, discounted percentage of the settlement. No upfront costs, ever.

Do I need a current loss to join Adjuster Advantage™?

No. Adjuster Advantage™ is designed to protect you before a disaster occurs. By joining now, you guarantee you’ll have a licensed Public Adjuster ready to act immediately when damage happens

Who qualifies for membership?

Most Florida property owners — including homeowners, condo owners, landlords, and commercial property owners — qualify. Just fill out our quick eligibility form to confirm.

How We Help

What is a Public Adjuster?

A Public Adjuster is a licensed professional who works for policyholders, not insurance companies. We prepare, file, and negotiate claims to ensure you receive the maximum payout you’re entitled to.

How quickly do you respond after a storm?

Adjuster Advantage™ members are prioritized. You’ll typically hear from your dedicated adjuster within 24 hours, and inspections are scheduled as soon as conditions are safe.

Do you handle commercial properties as well as homes?

Yes. We represent residential, multi-family, HOA, and commercial properties across Florida.

What if my claim was already denied or underpaid?

We can often reopen denied claims or supplement underpaid ones. Many property owners don’t realize how much more they are owed until we step in.

Membership Benefits

How does Adjuster Advantage™ save me money?

Members enjoy discounted representation fees compared to non-members. Plus, studies show homeowners with Public Adjusters receive far larger settlements. In fact, a Florida Legislature study (OPPAGA) found:

- 747% more on catastrophe claims ($17,187 vs. $2,029)
- 574% more on non-catastrophe claims ($9,379 vs. $1,391)

What documents should I upload when I join?

For best protection, upload:

Your current insurance policy (PDF)
Pre-loss photos of your property (optional)
This creates a ready-to-go claim file so we can act immediately after a loss.

Do I get priority inspections as a member?

Yes. Adjuster Advantage™ members are first in line for inspections and damage documentation after a storm. Early documentation often means faster recovery.

Special Cases

Do you work with attorneys if needed?

Yes. If your claim requires legal escalation, we coordinate with attorneys to ensure your case is as strong as possible.

What if I already hired a public adjuster?

In most cases, we cannot step in if another public adjuster is under contract. But if your agreement ends or you can obtain a release from the public adjuster, we may be able to step in and represent you in the claim.

What if I already hired an attorney?

If you hired an attorney, we might still be able to help as public adjusters or assist as consultants on your file with your attorney. This is on a case-by-case basis. Just contact us and we’ll let you know how we can help.

General

What areas do you serve?

We serve all of Florida and New Jersey.

What areas do you offer Adjuster Advantage™?

We’re currently only offering Adjuster Advantage™ in Florida, but hope to add New Jersey in the coming months.

What’s your fee structure?

Our fees are a small percentage of the final settlement, only collected when you get paid. For Adjuster Advantage™ members, these fees are pre-disclosed and discounted.

Still Have Questions?

Call us anytime at (305) 783-3777, email info@homelandpa.com, or use our contact form. Homeland Public Adjusters is available 24/7 to protect Florida property owners.