Stellar Public Adjusting Services has spent 15-plus years turning lowball offers into real recoveries, and the numbers behind that work are striking: more than 20,000 claims handled and over $3 billion in claims adjusted across Florida and Tennessee. When a carrier offers zero, Stellar is the firm that keeps fighting.
What sets Stellar apart is a full-bench, multidisciplinary team. Their professionals include attorneys, contractors, loss consultants, public adjusters, former insurance company adjusters, estimators, real estate professionals, and appraisers. Every claim is adjusted in-house, analyzed case-by-case to set the right strategy, and stays with one dedicated adjuster from start to finish. No outsourcing, no volume mill.
From a Miami headquarters, a West Coast office in Port Charlotte, and a Nashville location, Stellar covers residential, commercial, and condo claims statewide across Florida and into Tennessee. They handle hurricane, water, fire, vandalism, roof leak, flood, mold, and income loss losses, with same-day callbacks and steady updates so policyholders are never left guessing.
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.
HurricaneLaw.Pro lists Stellar Adjusting - Florida Hurricane Public Adjusters from the state public-adjuster license roster. The profile is compiled from the firm's own public website and materials. We are not affiliated with Stellar Adjusting - Florida Hurricane Public Adjusters, and the listing is not a ranking or an endorsement. Confirm current licensing 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.
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