Public Adjusters in Florida
Licensed public adjusters serving Florida policyholders. We document, build, and negotiate your Florida property damage claim to secure the full settlement your policy owes — with no upfront cost.
Licensed in Florida · No recovery, no fee · 24/7 emergency response
When a hurricane, tropical storm, or sudden water loss damages your Florida property, your insurance company sends its own adjuster — someone paid to protect the carrier’s bottom line. Loss Consultants International levels the field. As licensed Florida public adjusters, we work exclusively for you, the policyholder, documenting the full scope of your loss and negotiating directly with your insurer until the settlement reflects what it actually costs to rebuild.
Florida is one of the most complex property-insurance markets in the country, with tight claim deadlines, hurricane deductibles, and carriers that routinely underpay or delay. Whether your claim is brand new, underpaid, or already denied, our team steps in to rebuild it on your policy’s own terms — and we don’t get paid unless you do.
From Category hurricanes along the Gulf and Atlantic coasts to burst pipes in a Tampa condo, Loss Consultants International represents Florida homeowners and businesses on every major category of property loss.
Roof, structural, and envelope damage from named storms — documented to the standard Florida carriers must answer to.
Coastal surge and rising-water losses, coordinated across flood and windstorm coverage so nothing falls through the gap.
Sudden discharge, plumbing failures, and resulting mold — scoped fully, not just the visible drywall.
Structure, contents, smoke, and additional living expenses after a residential or commercial fire.
Wind-driven hail and roof losses that carriers often dismiss as “wear and tear.”
Florida’s sinkhole and catastrophic-ground-cover losses, handled with the engineering documentation carriers demand.
We read your policy the way the carrier’s own experts do, build a line-item claim in the same estimating software the insurer uses, and invoke Florida’s appraisal process when a carrier digs in. Our fee comes only from your settlement — so every dollar we fight for is a dollar we share an interest in recovering.
Florida law gives policyholders important rights — and important deadlines. Property claims generally must be reported within one year of a hurricane or windstorm loss (and supplemental or reopened claims within 18 months), and most policies carry a separate, percentage-based hurricane deductible that can dramatically reduce a first offer. Carriers also frequently apply depreciation and coverage exclusions aggressively. A licensed public adjuster makes sure your claim is filed on time, your deductible is applied correctly, and every element of your loss — from code-upgrade costs to additional living expenses — is included before you settle.
Our licensed adjusters represent clients throughout Florida, including:
There are no upfront costs. Our fee is a percentage of the settlement we recover for you, so if we don’t recover, you don’t pay. Florida caps public adjuster fees on hurricane and state-of-emergency claims, and we follow every fee regulation.
Yes. A large share of our work is reopening underpaid and denied claims. We re-document the loss, identify what the carrier missed or wrongly excluded, and negotiate — including through Florida’s appraisal process — to correct the payout.
For most policies, notice of a hurricane or windstorm claim must be given within one year of the date of loss, with supplemental claims within 18 months. Deadlines can vary by policy, so it is best to have your claim reviewed as early as possible.
Before you accept the insurance company’s first offer, talk to a licensed public adjuster. The claim review is free — and there’s no fee unless we recover for you.
