Florida— Licensed Public Adjuster
Public Adjuster in Florida
National Claims Negotiators is a licensed public adjuster serving Florida. We represent property owners in Florida throughout the insurance claims process, fighting for fair settlements on storm, fire, water, and all types of property damage claims.
What types of claims do we handle in Florida?
We handle every category of property damage claim in Florida. Here are the most common claim types we see in the state.
Hurricane Damage
Florida is the most hurricane-prone state in the nation. From the Panhandle to the Keys, hurricanes cause catastrophic wind damage, storm surge, water intrusion, and roof failures. We handle large-scale hurricane claims for residential and commercial properties across the state.
Senior Living Facility Claims
Ron has significant experience with senior living facility claims in Florida. These properties present unique challenges due to their size, the vulnerability of residents during displacement, and the complexity of commercial insurance policies covering multi-building campuses.
Water Damage & Flooding
Florida's climate creates constant water damage risks — tropical downpours, hurricane rainfall, plumbing failures in aging buildings, and rising water tables. Water damage claims in Florida are frequently disputed, and we fight for full coverage.
Roof Damage
Florida roofs take a beating from UV exposure, hurricanes, and severe storms. Roof damage claims are the most common property claim type in Florida, and insurers use every tool available to limit payouts, including age-based depreciation and cosmetic damage arguments.
Wind & Storm Damage
Even outside of named hurricanes, Florida experiences tropical storms, severe thunderstorms, and microbursts that damage properties year-round. We handle all wind-related claims in the state.
Why hire a public adjuster in Florida?
The Florida Department of Financial Services regulates public adjusters under some of the strictest licensing requirements in the country. Florida's insurance market is uniquely challenging — carriers have left the state, rates have skyrocketed, and claim disputes are at an all-time high.
Florida has more property damage claims than almost any other state, and insurers operating in Florida have developed aggressive tactics to control payouts. Assignment of benefits restrictions, mandatory mediation requirements, and strict filing deadlines all create traps for unrepresented policyholders.
A licensed public adjuster in Florida is your best defense against these tactics. We understand Florida insurance law, we know the carriers, and we prepare claims with the level of documentation that survives scrutiny from adjusters, engineers, and attorneys.
Florida Department of Financial Services (DFS)
Florida DFS requires public adjuster licensing and imposes fee caps and conduct standards. National Claims Negotiators holds a current Florida license.
What does a public adjuster cost in Florida?
Florida regulates public adjuster fees by statute. We work on contingency, and our fee is a percentage of the settlement we recover for you. You pay nothing upfront and nothing if we do not improve your claim outcome. All fees are disclosed in our written agreement before we start.
Our track record
Our experience in Florida
Florida hurricane claims are among the most complex in the industry, and Ron has handled them across the state. From senior living facilities in Central Florida to residential properties along the Gulf Coast, our Florida work spans the full spectrum of hurricane and storm damage.
Our experience with senior living facility claims in Florida is a differentiator. These properties involve multi-building campuses, specialized construction, medical equipment, and the logistical challenges of relocating residents during restoration. We have the expertise to manage these large, high-stakes claims from inspection through final settlement.
Florida's insurance market is in crisis, and property owners need an advocate who can navigate the complexity. We stay current on Florida insurance legislation, carrier solvency issues, and regulatory changes that affect how claims are processed and paid.
$300M+
in claims handled
11
states licensed
15+
years of experience
We also serve
Other states we cover
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Property damage in Florida?
Get a free, no-obligation claim review. We will assess your damage, review your policy, and tell you exactly what your claim is worth.