Florida Public Adjusters
Public Adjuster Services
We are public adjusters — licensed professionals who document, file and negotiate your property damage claim so you recover the maximum you are owed.
A licensed advocate on your side of the table
When your home or business is damaged, your insurance company sends its own adjuster — someone paid to keep payouts low. A public adjuster represents you. People Claims is a licensed and bonded Florida public adjusting firm (FL License # W315061) that handles your entire claim from inspection to final settlement.
We assess the true scope of your loss, prepare and document the claim properly, and negotiate directly with your insurer so you recover the maximum amount your policy owes — not the first lowball offer. We represent homeowners, businesses, condos and HOAs on new, underpaid and denied claims across South Florida.
- ✓We work for you, not the insurer.
- ✓No recovery, no fee — we're paid only when you are.
- ✓New, underpaid and denied claims — including re-opening closed ones.
- ✓Residential & commercial property across South Florida.
Full-service claim handling, start to finish
A property claim is more than a phone call — it's inspection, valuation, documentation, paperwork and hard negotiation. We do all of it, so you can focus on getting back to normal.
Damage assessment & inspection
We inspect your property in person and uncover the full scope of the loss — including hidden damage the insurer's adjuster often misses.
Policy review & coverage analysis
We read your policy line by line to identify every coverage, limit and endorsement that applies — so nothing you're owed is left on the table.
Documentation & loss inventory
We build a complete, evidence-backed file: photos, measurements, a detailed contents inventory and supporting reports the insurer can't dismiss.
Repair estimates & valuation
We prepare a professional, itemized estimate of what it truly costs to repair or rebuild — not the insurer's lowball number.
Filing & negotiation
We file the claim correctly the first time and negotiate directly with the insurance company's adjusters on your behalf.
Denied, underpaid & reopened claims
Already settled for too little — or denied outright? We re-open and re-fight closed claims, often recovering far more.
How we maximize your claim
Free inspection & policy review
We inspect the damage and read your policy to find every covered loss — at no cost to you.
Document & file
We build a complete, evidence-backed claim and file it correctly the first time.
Negotiate & settle
We handle the adjusters and negotiate hard for the maximum settlement you're owed.
Who's actually on your side?
| Factor | People Claims (Public Adjuster) | Insurance Company's Adjuster |
|---|---|---|
| Works for | You, the policyholder | The insurance company |
| Goal | Maximize your settlement | Minimize the payout |
| Reviews your policy for hidden coverage | Yes | No |
| Documents the full scope of your loss | Yes — independently | Limited |
| Negotiates on your behalf | Yes | No |
| Cost to you | % of recovery — no recovery, no fee | "Free" (paid by the insurer) |
Signs you should hire a public adjuster
- !Your claim was deniedA denial isn't always the final word. We review the policy and the denial reason and build the case to overturn it.
- $The offer feels too lowIf the payout won't cover real repair costs, we document the true loss and push for a fair settlement.
- ⌛The insurer is slow or silentMissed deadlines and radio silence are common tactics. We keep the claim moving and hold the carrier accountable.
- ⚑It's a large or complex lossFire, hurricane, major water or commercial losses involve big numbers and heavy paperwork. We handle all of it.
- 🗂You're buried in paperworkClaims come with forms, proofs of loss and strict deadlines. We manage the entire process so you don't have to.
- ↩A past claim was underpaidMany of our biggest recoveries started as a closed, underpaid claim we reopened — even months later.
No recovery, no fee
upfront
You only pay when we win for you.
We work on contingency — our fee is a percentage of what we actually recover, so there's no upfront cost and our incentive is your maximum settlement. Florida law caps public adjuster fees (generally up to 20%, and 10% for claims tied to a declared state of emergency during the first year), so you always know where you stand.
Results that speak for themselves
Every kind of property damage
From a single burst pipe to a total hurricane loss — residential and commercial. Pick your damage type for details:
Public adjuster FAQs
What does a public adjuster do?
How is a public adjuster different from the insurance company's adjuster?
How much does a public adjuster cost in Florida?
Can you help with a claim that was denied or underpaid?
Do you handle commercial and condo claims?
Are you licensed?
Serving all of South Florida
Public adjusting across Broward, Miami-Dade and Palm Beach counties — including:
Think your insurer is underpaying you?
Get a free, no-obligation review from a licensed Florida public adjuster.
Get a Free Inspection