Property damage can create important questions about coverage, documentation, claim timelines, settlements, and the role of a Public Adjuster.
At All Claims Solutions, we help homeowners, businesses, and property owners understand the insurance claims process and provide professional representation throughout the claim.
Below, you’ll find answers to some of the most common questions about Public Adjusters, property damage claims, fees, denied and underpaid claims, and the insurance claims process in Florida.
A public adjuster is a licensed insurance professional who works exclusively for policyholders — not the insurance company. We handle the entire claims process to ensure you get the maximum settlement you are entitled to under your policy.
A Public Adjuster is a licensed professional who represents the policyholder during the property insurance claim process. They can help inspect and document property damage, evaluate the applicable insurance policy, prepare claim documentation, and communicate with the insurance company on the policyholder’s behalf. Unlike an insurance company adjuster, a Public Adjuster works for the property owner and focuses on helping them navigate the claims process based on the terms and conditions of their policy.
Insurance company adjusters represent the insurer and often try to minimize payouts. A public adjuster like All Claims Solutions represents you, the homeowner or business owner, making sure your claim is prepared, documented, and negotiated properly, maximizing the settlement.
Learn the Difference Between a Public Adjuster and an Insurance Adjuster →
Not necessarily. Some property insurance claims may be relatively straightforward, while others can involve extensive damage, complicated documentation, coverage questions, or disagreements about the scope or value of the loss. A Public Adjuster can be especially helpful when a claim is complex, significant, delayed, denied, or appears to be underpaid. Property owners can evaluate their individual circumstances and seek professional guidance when they believe additional assistance may be beneficial.
You should consider hiring us if:
• You’ve experienced any type of property damage (roof leaks, hurricanes, plumbing leaks, fires, etc.).
• Your insurance company is delaying, underpaying, or denying your claim.
• You want a professional to take over the stress of the claims process.
Yes. Property owners can generally contact a Public Adjuster after an insurance claim has already been filed. A Public Adjuster can review the situation, inspect the property, evaluate available documentation, and provide professional assistance with the remaining claims process. If the insurance company has already inspected the property or made an offer, a Public Adjuster may also help the policyholder better understand the documentation and information associated with the claim.
Yes. Public adjusters must be licensed and regulated by the Florida Department of Financial Services. All Claims Solutions has been proudly licensed and serving Florida homeowners for over 15 years.
Yes. An insurance company’s inspection does not necessarily prevent a property owner from seeking professional representation. A Public Adjuster can conduct an independent inspection, document additional damage when appropriate, review available estimates and reports, and help organize information related to the property loss. This can be particularly useful when the policyholder believes the damage may not have been fully documented.
Florida law caps fees:
• 20% of the final settlement.
• 10% for claims related to a state-declared emergency (like hurricanes) filed within the first year.
• We only get paid if you get paid—there are no upfront costs.
All Claims Solutions can handle all property damage claims for residential, commercial and HOAs, including:
• Hurricane & windstorm damage
• Roof leaks & water damage
• Fire & smoke damage
• Mold damage
• Plumbing leaks or pipe bursts
• Vandalism & theft claims
Yes! If your claim was underpaid or denied, our team can review it and fight to get you the compensation you deserve, after a policy evaluation and proper investigation.
No. In fact, we often speed up the process by managing inspections, paperwork, and negotiations directly with the insurance company.
No. Once you hire us, we act as your representative and handle all communications and negotiations with the insurance company for you maximizing the settlement of the loss.
Absolutely. Policyholders who hire public adjusters often receive significantly higher settlements than those who go through the process alone. With over 15 years of experience, we know how to fight for your best outcome in the entire Florida West Coast including Clearwater, Clearwater, St. Petersburg, and across Hillsborough, Pinellas, and Pasco counties.
When choosing a Public Adjuster, consider their Florida licensing, experience with the type of property damage involved, communication process, fee agreement, and reputation. Ask what services are included, how the claim will be documented, and how communication will be handled throughout the process. Property owners should review the written agreement carefully and make sure they understand the applicable fees and terms before hiring a professional.
Our public adjusters work hard 24/7. We know that claim issues can happen any day or time and so we are «standing by.» Call us today to schedule a free consultation.
We will only get paid if you get paid. Our licensed professional adjusters can assist you in negotiating and analyzing your insurance claim to get you the best settlement possible and represent YOU
Our licensed public adjusters can provide you with a FREE insurance policy evaluation, on site inspection and estimate for your property loss. We have the skills to get you indemnified and we will be on your side in case of future loss or damages.
Please fill out the form and press the submit button.
We will get back to you with 1-2 business days.