Licensed Public Adjusters for Homeowners and Property Owners
Claim Defenders is a licensed public adjuster firm serving Florida and Tennessee. We represent homeowners and property owners during the property insurance claim process—documenting damage, valuing losses, and negotiating settlements on behalf of policyholders.
We work exclusively for property owners. We do not represent insurance companies.
Serving Florida and Tennessee | Available 24/7 | Licensed & Insured
Insurance companies employ adjusters to protect their financial interests. Policyholders have the legal right to hire their own representation.
Claim Defenders act as your professional advocate throughout the claims process.
WHAT IS A PUBLIC ADJUSTER AND WHAT DO THEY DO?
A public adjuster is a licensed insurance professional who represents policyholders—not insurance companies—during property damage claims. Public adjusters are licensed by state insurance departments and are legally authorised to:
● Interpret insurance policy language and coverage terms
● Inspect and document property damage
● Prepare detailed repair and replacement cost estimates
● File claims and required documentation with insurers
● Communicate directly with insurance company adjusters
● Negotiate claim settlements on behalf of property owners
Public adjusters differ from insurance company adjusters (who work for insurers) and independent adjusters (who are hired by insurers on a contract basis). Claim Defenders works solely for property owners.
WHAT WE DO
Claim Defenders’ Public Adjuster Services
Claim Defenders manages the entire insurance claim process from initial inspection through final settlement. Our licensed public adjusters handle:
Policy Analysis
We review your insurance policy to identify applicable coverage, exclusions, and documentation requirements before filing or continuing a claim.
Damage Inspection and Documentation
We review your insurance policy to identify applicable coverage, exclusions, and documentation requirements before filing or continuing a claim.
Claim Valuation and Estimation
We prepare comprehensive repair and replacement cost estimates using Xactimate and other industry-standard estimating software accepted by insurance carriers.
Claim Filing and Submission
We compile and submit all required documentation, ensuring claims meet insurer requirements and deadlines.
Adjuster Communication
We handle all communication with insurance company adjusters, responding to requests and attending inspections on your behalf.
Settlement Negotiation
We negotiate directly with your insurance company using documented evidence and policy language to pursue the full settlement amount supported by your coverage.
WHO WE HELP
Who Hires a Public Adjuster?
Claim Defenders represents:
Homeowners with residential property damage claims, including single-family homes, condominiums, and townhouses.
Landlords and Property Investors managing claims for rental properties, multi-family buildings, and investment real estate.
Business Owners with commercial property damage affecting retail spaces, offices, warehouses, and other commercial structures.
Property Managers handling claims on behalf of property owners or homeowner associations.
Policyholders with Complex Claims involving multiple damage types, disputed coverage, or high-value losses.
Policyholders with Denied, Delayed, or Underpaid Claims who believe their insurance company’s initial response does not reflect the actual damage or policy coverage.
If you are unsure whether your situation qualifies, we provide free initial consultations to assess your claim.
TYPES OF CLAIMS
Types of Property Insurance Claims We Handle
Claim Defenders assists with residential and commercial property insurance claims including:
Storm and Hurricane Damage
Wind damage, roof damage, siding damage, broken windows, fallen trees, and structural damage from tropical storms, hurricanes, and severe weather events.
Water Damage
Burst pipes, plumbing failures, appliance leaks, roof leaks, flooding, and water intrusion damage to structures and contents.
Fire and Smoke Damage
Structural fire damage, smoke damage, soot contamination, and secondary water damage from firefighting efforts.
Hail Damage
Roof damage, siding damage, window damage, gutter damage, and other exterior damage from hailstorms.
Roof Damage
Storm damage, wind-lifted shingles, missing tiles, leaks, and structural roof failures covered under property insurance policies.
Mold Damage
Mold growth resulting from covered water damage events, including remediation and repair costs where policy coverage applies.
Theft and Vandalism
Property damage and losses resulting from break-ins, theft, and intentional property damage.
Each claim is evaluated based on your specific policy language, coverage limits, and documented damage.
OUR PROCESS
How Claim Defenders’ Public Adjuster Process Works
1: Free Claim Consultation
Contact us to discuss your situation. We review the basic facts of your claim at no cost to determine if professional representation would benefit you.
2: Policy Review
We obtain and analyse your insurance policy to understand coverage terms, exclusions, limits, and claim requirements specific to your situation.
3: Property Inspection
Our licensed adjusters conduct a comprehensive inspection of your property, documenting all damage with photographs, measurements, and detailed notes.
4: Claim Valuation
We prepare a complete scope of loss and repair estimate using industry-standard software and current material and labour pricing.
5: Claim Submission
We compile all documentation and submit your claim (or supplemental claim) to your insurance company with supporting evidence.
6: Insurance Company Communication
We serve as your point of contact with the insurance company, responding to adjuster inquiries, attending re-inspections, and addressing coverage questions.
7: Settlement Negotiation
We review the insurance company’s response and negotiate on your behalf, presenting documented evidence to support the full value of your claim.
8: Claim Resolution
Once settlement is reached, we review final documentation to confirm the agreed amount before you accept payment.
WHAT WE ARE AND AREN'T
Claim Defenders: Clear Service Boundaries
Claim Defenders is:
Claim Defenders is not:
- An insurance company or insurance agency
- A law firm or provider of legal advice
- A roofing contractor or repair company
- A restoration or remediation company
We coordinate with contractors and restoration companies but do not perform repair work ourselves. If your claim requires legal action beyond our scope, we explain your options and can refer you to qualified insurance claim attorneys.
WHY HIRE A PUBLIC ADJUSTER
Why Homeowners and Property Owners Hire Public Adjusters
Insurance Claims Are Complex
Policy language, coverage interpretations, and documentation requirements create obstacles for policyholders unfamiliar with the claims process.
Insurance Companies Protect Their Interests
Insurance company adjusters work for the insurer, not the policyholder. Their job is to evaluate claims on behalf of the company paying them.
Damage Is Often Undervalued
Initial insurance company estimates frequently miss secondary damage, undervalue repair costs, or apply depreciation that reduces payouts below actual repair costs.
Time and Documentation Requirements Are Demanding
Proper claim documentation requires inspections, photography, written scopes, cost estimates, and ongoing communication that many property owners cannot manage while dealing with property damage
Professional Representation Levels the Process
Public adjusters understand policy language, documentation standards, and negotiation processes. Having professional representation helps ensure claims are presented completely and accurately.
FEES AND PAYMENT
How Public Adjuster Fees Work
What this means:
● No upfront costs or retainer fees
● No payment if your claim does not result in a settlement
● Our compensation is directly tied to your claim outcome
● Fee percentage is disclosed in writing before any work begins
Standard Fee Structure: Industry-standard public adjuster fees typically range from 10% to 20% of the settlement amount, depending on claim complexity and timing. Fees for supplemental claims on previously settled losses may differ from fees for new claims.
We provide a written agreement explaining all fees before you commit to representation.
Where Claim Defenders Operates
Claim Defenders is licensed to represent property owners in:
Florida
Statewide coverage including Miami-Dade, Broward, Palm Beach, Hillsborough, Orange, Duval, and all other Florida counties. Florida License #W579025 (Alexander McEuen).
Tennessee
Coverage throughout Tennessee. License details available upon request.
Service availability for specific claim types may vary. Contact us to confirm coverage for your location and claim type.
Frequently Asked Questions About Public Adjusters and Insurance Claims
Can I hire a public adjuster for my insurance claim?
What is the difference between a public adjuster and an insurance company adjuster?
How much does a public adjuster cost?
Will my insurance company work with a public adjuster?
When should I hire a public adjuster?
Will filing a claim raise my insurance rates?
Will my insurance company drop me if I file a claim?
How long does the public adjuster process take?
Do I still need a public adjuster if I already filed my claim?
What if my claim is denied?
A claim denial is not necessarily final. Public adjusters can review denials, identify grounds for appeal, and submit additional documentation to support reconsideration. If the denial stands, we explain options including appraisal and legal referral.
Our Blogs
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What to Do If Your Insurance Company Is Stalling Your Claim in Florida?
Insurance company stalling occurs when your insurer deliberately delays processing, investigating, or paying your claim without valid justification. In...
When Water Damage Strikes in Florida, Who Handles Your Claim
When Sudden Water Damage Turns Your Life Upside Down Water damage in a Florida home often shows up fast and without warning. A noisy spring storm hits at...
Request a Free Insurance Claim Review
If you have property damage and want to understand your options, contact Claim Defenders for a no-obligation consultation. We will review your situation, explain whether professional representation would benefit your claim, and answer your questions about the process.
There is no cost for initial consultations. There is no obligation to hire us.
Claim Defenders is:
Available 24 hours a day, 7 days a week.