Trusted Public Adjusters Serving Florida, Minnesota & Wisconsin
Maximize Your Insurance Claim
REPRESENTATION & DEFENSE FOR HOMEOWNERS AND BUSINESSES
Leave your Insurance Claim to us, so you can focus on what matters most.
We take action - you get paid!
Homeowners, business owners, or contractors alike rely on licensed and experienced Public Adjusters to be your ultimate advocate! Trust Florida’s, Minnesota’s & Wisconsin’s top choice to bring your business, property, or asset back to its pre-loss glory.
We Service All Types of Commercial & Residential Insurance Claims
Our Process
Our team works with you to fight for your maximum claim. We represent YOU, not the Insurance Company. These situations can be stressful but Shoreline Public Adjusters will be with you every step of the way!
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The first step involves meeting with the insured, evaluating the damage, and walking you through the entire process. We gather relevant documents and conduct a thorough on-site inspection to assess the full scope of the damage. Our experienced team carefully examines your property, identifying any issues that may have been missed, and thoroughly documents everything with notes, sketches, and photos.
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Next, we submit the claim and all relevant documentation to the insurance company and arrange an inspection. We present the damages to the Insurance Adjuster, working to confirm that the loss was caused by a covered peril. We set clear expectations, document the inspection details, and keep all parties informed in writing.
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In the third step, we make sure everything proceeds smoothly and stays on track. If there's a chance of missing a deadline, we take immediate action to resolve it in line with legal requirements. Should you not receive fair compensation, we will escalate to litigation and take every necessary step to secure a successful outcome.
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Our goal is to make this process as efficient and effective as possible because we’re here to advocate for you. With our extensive knowledge, abundant resources, and years of experience, we’re committed to setting the standard in public adjusting and safeguarding your financial security after an insurance claim.
Types of Damage Claims We Support
Fire & Smoke Damage
Fire and smoke damage can be devastating, leaving your property in need of extensive repairs and restoration.
Mold Damage
Mold damage can lead to serious property issues and costly repairs. Filing a mold damage insurance claim often involves navigating complex policy language, coverage limits, and exclusions.
Hail Damage
Hailstorms can cause significant damage to roofs, siding, windows, and outdoor structures, often leaving hidden issues that worsen over time.
Water & Flood Damage
Water and flood damage can be catastrophic, causing structural issues, mold growth, and property loss.
Wind & tornado Damage
Severe wind and tornadoes can leave behind extensive damage, from roof destruction and structural issues to shattered windows and debris. Get the help you deserve at the time you need it the most!
Hurricane Damage
Hurricanes can cause catastrophic damage, including roof failures, flooding, broken windows, and structural devastation.
Cyber Attack Damage
A cyber attack can disrupt your business operations, compromise sensitive data, and result in significant financial losses.
Business Disruption Damage
Business disruptions can lead to lost revenue, halted operations, and unexpected expenses, leaving your company struggling to recover.
All Other Damage
Unexpected damage can come in many forms—whether it’s vandalism, theft, equipment failure, or unforeseen structural issues.
Why Would I Want a Public Adjuster?
Public Adjusters can:
Secure up to 500x higher settlements
Get your coverage faster
Help you enjoy a hassle-free claims process
Enable restoring your property quickly
Handle professional negotiations on your behalf
Be the dedicated expert on your side
How Public Adjusters Help
Hiring a public adjuster in the aftermath of a disaster can provide invaluable support and expertise to homeowners and business owners facing complex insurance claims. These professionals are skilled in assessing property damage, interpreting insurance policies, and negotiating with insurance companies. By leveraging their specialized knowledge, public adjusters verify that claims are thoroughly documented and fairly valued, helping policyholders to secure the maximum compensation. This allows property owners to focus on recovery and rebuilding, rather than the often overwhelming task of claim management. Public adjusters can particularly make a difference in streamlining the claims process, reducing the burden on the claimant and expediting the path to a fair settlement.
Frequently Asked Questions (FAQs)
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A Public Adjuster is a licensed professional who represents the policyholder—such as a homeowner or building owner—during the insurance claims process. Unlike company adjusters or independent adjusters, a Public Adjuster works exclusively for you, not the insurance company.
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Public Adjusters and Attorneys both have the legal authority to handle insurance claims, but their roles differ. Think of Public Adjusters as your first line of defense—they start from the very beginning by documenting your claim, preparing the estimate, presenting it, and guiding you through the entire process.
If a Public Adjuster can't secure the payment from the insurance company, that’s when bringing in an Attorney may be necessary. The key difference is in the timeline: with a Public Adjuster, claims typically settle within 1 to 4 months, whereas involving an attorney and entering litigation can stretch the process to a year or more.
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A Public Adjuster represents the policyholder who hired them, advocating on their behalf throughout the claims process.
A Company Adjuster is an employee of the insurance company and represents the company’s interests.
An Independent Adjuster, although not directly employed by the insurer, is contracted by the insurance company to collect information for their adjuster.
Essentially, Public Adjusters work for you, while company and independent adjusters work for the insurance companies.
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No, hiring a Public Adjuster is not the same as getting a roofer or contractor to assist with your claim. The key difference lies in what Public Adjusters are licensed to do. Only Public Adjusters and attorneys are legally allowed to negotiate claims, discuss policy details, manage deadlines, and handle every aspect of the claims process.
Contractors and roofers can only provide estimates; they cannot deal with coverage issues, additional living expenses, disputes, or push the insurance company if communication stalls. While their expertise is valuable for repairs, they can’t guide you through the complexities of the claims process like a Public Adjuster can.
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To help your Public Adjuster handle your claim efficiently, provide the following:
A complete copy of your insurance policy;
The Declarations Page (if you can't provide the full policy);
Any invoices or receipts for repairs related to the loss;
Photos or videos that document the event and the damage.
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Claims handled by a Public Adjuster typically settle within 1 to 4 months. Insurance companies generally have up to 90 days to investigate a claim, and the Public Adjuster works to speed up this process. If the claim isn’t resolved within this timeframe, the next step may involve seeking the assistance of an Attorney.
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Insurance policies have specific requirements that you must follow, like documenting the loss immediately, filing the claim, providing estimates, and consistently following up with the insurance company. Chances are you might not be familiar with all these provisions or may overlook them.
A Public Adjuster handles all of this on your behalf—collecting the necessary documentation, accurately presenting the claim on time, and staying in contact with the insurance company throughout the process. Plus, thanks to their expertise, a public adjuster often secures a higher payout than you might get on your own.
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The difference is clear—a Public Adjuster is a licensed, trained expert who specializes in handling insurance claims. They know how to read policies, negotiate with insurance companies, and maximize your settlement.
While you can file a claim on your own, your success depends on your ability to match the skills of a Public Adjuster. In most cases, hiring a public adjuster results in a payout that’s 50% to 500% higher than what you’d achieve on your own.
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The cost of hiring a Public Adjuster varies by state, as some states have fee limits while others do not. Typically, Public Adjusters don't charge a flat fee but work on a contingency basis.
For instance, in Florida, the fee can be up to 20% of the claim, but during named natural disasters, it's capped at 10%. In Texas, the fee is generally 10% of the total claim value. This structure ensures that Public Adjusters are financially motivated to maximize your settlement and resolve the claim quickly.
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Your policy or claim number can be found on the Declarations Page, which is typically the first page of your insurance policy. This page also includes important details like the policy period, your agent’s contact information, mortgage company details, coverage limits, and deductibles.
To obtain a copy of your Policy, please work with your Insurance Agent / Company.
Higher Claim Settlements: Policyholders who use a public adjuster for their insurance claims receive, on average, 747% higher settlements compared to those who don't.
Increased Claim Payouts: Public adjusters help policyholders recover 574% more on claims related to hurricane damage than when the insurance company adjuster is used alone.
Office of Program Policy Analysis and Government Accountability (OPPAGA) Report, Florida
Claim Approval Likelihood: Public adjusters significantly increase the likelihood of claim approval, particularly in complex cases such as fire, water damage, and storm claims.
Time Efficiency: Public adjusters help expedite the claim process, reducing the time from filing to settlement by 30% on average.
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