Florida Public Adjuster — 98% Win Rate on Insurance Claims

You need a public adjuster if your insurance company offered less than you expected, denied your claim, or if you're unsure the damage was fully documented. Florida homeowners who use public adjusters typically recover 2–4x more than those who negotiate alone. A public adjuster works exclusively for you — not the insurance company.

Florida public adjusters work on contingency — you pay nothing upfront. The fee is a percentage of your final settlement, capped by Florida law at 20% for standard claims and 10% during a declared state of emergency. If we don't recover more than your original offer, you owe nothing above that offer.

Yes. A denied claim can often be reopened with the right documentation. Florida insurance carriers frequently deny claims for incomplete or insufficient damage evidence. We review the denial letter, document damage the carrier missed, and file a formal supplement or appraisal demand to force reconsideration.

Florida law caps public adjuster fees at 20% of the claim settlement for non-catastrophe claims, and 10% for claims filed during a declared state of emergency. CARE Claims works on a contingency basis — our fee comes from your settlement increase, so if we don't get you more money, our cost to you is zero.

Florida law requires insurers to acknowledge a claim within 14 days and pay or deny within 90 days. In practice, disputed claims with incomplete documentation take 6–18 months. A public adjuster accelerates this by ensuring documentation is complete from day one, reducing back-and-forth with the carrier.

All of Florida. Active caseloads in Miami-Dade, Broward, Palm Beach, Hillsborough (Tampa), Orange (Orlando), Duval (Jacksonville), Lee, Collier, Sarasota, and Pinellas counties. If your property is in Florida, we handle your claim.