A licensed public adjuster represents the policyholder, not the insurance company, in preparing, documenting, and negotiating a property-insurance claim. In Florida, public-adjuster fees are capped by statute (commonly 20%, and 10% for claims from a declared emergency in the first year, Fla. Stat. § 626.854); South Carolina has no statutory fee cap. Fees, licensing, and rules vary and change. Confirm current law and any fee agreement before you sign.
A public adjuster negotiates the amount of a claim. An attorney is needed when the dispute is about coverage, bad faith, or litigation. Many claims use both. If your claim was denied or the dispute is legal rather than a valuation fight, a free case review with a property-insurance attorney is the place to start.
A public adjuster negotiates the amount. If the fight is about coverage or bad faith, a property-insurance attorney reviews it free and tells you where you stand.
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▸ 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.
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