When to Hire a Public Adjuster in Florida

Don't Let Your Claim Be Denied or Underpaid

Insurance claims are complicated—and when your insurer delays, denies, or underpays, the last thing you need is more frustration. Knowing when to hire a public adjuster can make the difference between a quick, fair settlement and months of unnecessary loss.

A Public Adjuster is a licensed insurance professional who works exclusively for you, the policyholder, to manage and negotiate your property damage claim. We are your advocate against the insurance company.

5 Critical Signs It’s Time to Call a Public Adjuster

1. Your Insurance Claim Was Denied

If you’re searching “insurance claim denied what to do,” you’re not alone. Claim denials happen often in Florida—sometimes because of missing documentation, policy misinterpretations, or adjuster errors.

A simple denial is not the end of the road. A licensed claim denied public adjuster can:

  • Formally reopen your claim with the insurer.
  • Conduct a new, thorough inspection to uncover all damages.
  • Gather expert evidence (engineers, contractors, moisture mapping).
  • Formulate a professional appeal to fight the denial and get you paid.
2. Your Insurance Settlement Offer Is Too Low (An Underpaid Claim)

If your insurance settlement offer seems unfair or far below repair estimates, you absolutely have an underpaid claim. This is one of the most common reasons to seek help with insurance claim recovery.

Insurance company adjusters are trained to minimize payouts. Right Way Public Adjusting are experts in damage valuation. We calculate the true replacement cost value (RCV) and the actual cash value (ACV) of your loss, creating a comprehensive estimate that is often significantly higher than your insurer’s. We then negotiate directly to secure the settlement you are legally entitled to.

3. Your Claim Is Taking Too Long (Delay & Stall Tactics)

Delays are a major red flag, especially in the wake of major storms in the Tampa area. Insurance companies may stall—hoping you’ll accept a lower offer out of desperation, or miss crucial legal deadlines. A public adjuster steps in to:

  • Immediately manage all deadlines and communication.
  • Force the insurer to comply with Florida’s statutory claim timelines.
  • Keep your claim moving forward aggressively toward a resolution.
4. You Have Significant or Complex Damage

If your property suffered damage from a major event like a hurricane, fire, or a widespread mold issue, the claim complexity is too high to manage alone. Public adjusters handle every detail, including:

  • Identifying hidden damages (e.g., structural, mold behind walls).
  • Documenting personal property loss (Contents Claim).
  • Calculating Additional Living Expenses (ALE) if you have to relocate.
5. You’re Overwhelmed or Unsure What to Do

 Policies are dense, confusing, and full of legalese. Dealing with property damage is stressful enough without having to become an expert on insurance law. A licensed public adjuster explains your rights, documents every loss, and handles all communication—so you can focus on getting your life back to normal.

Start Your New Claim, or Appeal Your Denied Claim by FILLING OUT THIS FORM

The Right Time to Hire is Now

Every day you wait could cost you money or jeopardize your claim. Whether your claim was initially denied, severely delayed, or you suspect you need underpaid claim help, early intervention gives you the strongest legal and financial position.

Call (877) 744-8929 today for a no-obligation claim review.

when to hire a public adjuster

Don’t Face Your Insurance Company Alone.

For immediate help with your insurance claim, call Right Way Public Adjusting today at (877) 744-8929 or request your Free Claim Review. Let our licensed public adjusters help you recover what’s rightfully yours.

Types of Claims We Handle

  • Denied & Underpaid Claims

  • Water & Pipe Burst Claims

  • Hurricane Damage

  • Flooding

  • Windstorm Damage

  • Roof Leaks

  • Hail Damage

  • Fire & Smoke Damage

  • Mold & Plumbing Leaks

  • Vandalism & Theft Claims

Frequently Asked Questions

Can a public adjuster really help me with a denied claim? 

Yes. We review your policy, inspect the damage to gather new evidence, and challenge the reasons cited in your denial letter. In many cases, we are able to successfully overturn an insurer’s denial and secure a favorable settlement for the homeowner.

What if I already accepted an underpaid offer? 

Even if you have cashed a check, a public adjuster can often file a supplemental claim to recover additional funds if further damages are discovered or if the initial settlement was grossly inadequate. It is never too late to get professional help to review your loss.

How much does a public adjuster charge? 

We work on a contingency-fee basis. This means we are paid a small percentage of the final settlement only after we successfully get you paid. If we don’t recover any money for you, you owe us nothing.

How do I get help with my insurance claim? 

The process is simple. Call or submit your information for a free, no-obligation claim review. We will review your denial letter or current settlement offer, assess the damage, and explain exactly how we can step in and maximize your recovery.