David Kanter learned the insurance business from the inside. He started in 2005 and spent nearly two decades working as a field adjuster, desk adjuster, estimator, appraiser, and umpire before opening his own firm in 2019. Originally trained by the insurance companies themselves, he knows firsthand the tactics carriers use to underpay and deny, and now he uses that knowledge for policyholders instead.
Based in Boca Raton, Kanter is a licensed Florida public adjuster who is also qualified as an appraiser and umpire, a rare combination that lets him work claims at every stage of a dispute. He serves Palm Beach and Broward Counties, including Boca Raton, Delray Beach, Pompano Beach, and Deerfield Beach, on a straight contingency: no settlement, no fee.
The firm handles water damage, hurricane and wind damage, roof leaks, plumbing leaks, mold, fire and smoke, and the denied and underpaid claims that carriers hope homeowners will simply accept. Kanter is supported by a team that pairs construction and estimating know-how with insider carrier experience, including an estimator fluent in Xactimate and a former major-carrier employee who knows how the other side thinks.
A public adjuster is the only kind of adjuster licensed to work for you, the policyholder, not the insurance company. They document the loss, build a detailed scope and estimate, read the policy for coverage you may have missed, and negotiate the payout with the carrier, working on a percentage of what you recover.
A public adjuster is not a contractor and not an attorney: they cannot make repairs, file suit, or give legal advice. See what a public adjuster actually does and when to hire one.
Florida caps a public adjuster's fee at 20% of the claim payment, dropping to 10% for claims from a declared state of emergency (Fla. Stat. § 626.854). The fee applies only to what the insurer pays; it may not be charged on your deductible.
Full fee guide → · Read your contract and the current statute.
Get the exact legal name and license (or NPN) number, then confirm an active public adjuster license in the state where your property sits. Do it on the official roster, never take the number on a business card at face value.
Florida Department of Financial Services licensee search →A public adjuster is the right call when the carrier agrees the loss is covered but the check is too low. When the carrier denies coverage outright, alleges misrepresentation, sits on the claim past the statutory deadlines, or acts in bad faith, that is legal territory a public adjuster cannot enter.
If your claim was denied rather than merely underpaid, start with a free attorney review; see public adjuster vs. attorney, why claims get denied, and the deadlines that protect your rights.
We believe in public adjusters, and we want the good ones to get found and get hired. HurricaneLaw.pro features David Kanter Public Adjuster to help policyholders connect with an experienced advocate. We are not affiliated with David Kanter Public Adjuster; this profile is compiled from the firm's own public website and materials, and our links to them are meant to send real business their way. Always confirm current licensing yourself on the state roster above before you hire anyone. A firm that would like its listing updated or removed can reach us through the contact page. Not legal advice; consult an attorney about your specific claim.
Send the denial letter and your declarations page. You'll get a straight read on whether this is a valuation fight for an adjuster or a coverage fight that needs a lawyer.
A comprehensive property-insurance claim resource for policyholders: denied and underpaid claims, coverage and bad-faith law, storm dossiers, carrier profiles, city guides, and the complete claims playbook. Florida and South Carolina.
▸ SEE THE FULL SITE MAP →Coverage summaries, policy-language quotations, dollar figures, deadlines, and chart examples throughout this site are general information based on typical or standard policy forms and are illustrative only: they are not a quote, a guarantee of coverage, or a promise of any outcome. Every insurance policy is different: your own policy, endorsements, and state law control, so read your policy and confirm current statutes. Weather imagery courtesy of NOAA, the National Hurricane Center, and the National Weather Service. Legal services are provided by Halversen Law. Nothing on this site is legal advice; consult an attorney about your specific claim.
Legal matters are handled by Halversen Law, a law firm licensed in Florida and South Carolina.