Frequently Asked Questions

A public adjuster works for you — not the insurance company. We inspect the damage, review your policy, document and file the claim, and negotiate directly with your insurer to secure the maximum settlement you are owed.

The insurance company's adjuster is paid by — and works for — the insurer, and their goal is to keep payouts low. A public adjuster is an independent, licensed professional who represents only the policyholder.

You pay nothing upfront. We work on a contingency basis — a percentage of what we recover for you. If we don't recover money, you don't pay a fee. No recovery, no fee.

Yes. Re-opening denied, underpaid and closed claims is one of the most common things we do — and many of our largest recoveries started as a denial or a lowball offer.

Often, no. Depending on your policy and how long ago it closed, an underpaid claim can frequently be re-opened and supplemented. It's worth a free review.

Hurricane, wind, flood, water, fire, smoke, storm, pipe-burst, plumbing, sinkhole and tornado damage — for both residential and commercial property across South Florida.

It varies with the size and complexity of the loss and how the insurer responds. We move quickly to document and file, and we keep you updated at every step.

Filing a legitimate claim for covered damage is your right under the policy you already pay for. We help make sure that claim is valued and paid correctly.

Yes — we represent businesses, condos, HOAs and commercial property owners as well as homeowners.

Yes. People Claims is a licensed and bonded Florida public adjusting firm — FL License # W315061.