Licensed Public Adjusters in Florida
Representing Florida policyholders when the insurance company underpays, delays, or denies a legitimate property damage claim. We know the Florida market, the carriers, and the statutes that protect you.
Based in Wellington, FL — Palm Beach County. We serve homeowners and businesses across Palm Beach, Broward, and Miami-Dade counties.
Why Florida Policyholders Need a Public Adjuster in 2026
Florida has the most complex and most litigated property insurance market in the United States. Between 2017 and 2022, Florida accounted for roughly 9% of homeowners insurance claims nationwide but nearly 80% of the nation's homeowners insurance lawsuits. A series of legislative reforms in 2022 (SB 2-D and SB 2-A) dramatically changed the legal landscape: Assignment of Benefits contracts were restricted, one-way attorney fees were eliminated for property claims, and the deadline to file a new hurricane claim was shortened. What did not change is the reality that carriers still underpay, delay, and deny legitimate claims.
South Florida is also the highest-risk hurricane zone in the mainland United States. Palm Beach, Broward, and Miami-Dade counties sit directly in the path of Atlantic basin hurricanes. Hurricane Andrew (1992), Hurricane Wilma (2005), Hurricane Irma (2017), and Hurricane Ian (2022) all caused catastrophic damage across South Florida, and the annual hurricane season from June 1 through November 30 brings renewed risk every year. Beyond hurricanes, South Florida homeowners face tropical storms, heavy rain events, hail, wind, tornadoes from outer bands, and significant roof damage from aging structures in coastal environments.
The insurance carrier sends their adjuster first. That adjuster works for the carrier and their job is to assess and value the loss within the carrier's internal guidelines. Whether through inexperience, inadequate scope, or outright lowballing, the first offer is frequently well below what the policy actually owes. A Florida public adjuster — licensed by the Department of Financial Services and bound by statute to represent only the policyholder — levels the playing field.
Our Florida practice specializes in invoking the policyholder protections most adjusters ignore: Florida's matching statute (§626.9744), the 60-day payment deadline (§627.70131), the three-year supplemental claim window (§627.70132), and the specific documentation and notice requirements that determine whether a carrier acted in good faith.
Florida Insurance Law — What Every Policyholder Should Know
Florida has some of the strongest policyholder protections in the country — if you know how to invoke them. Here are the statutes that matter most to your claim.
PA Fees Capped at 20% (10% for Emergencies)
Florida Statute §626.854 limits public adjuster fees to 20% of the insurance settlement under normal circumstances, and 10% for claims resulting from a state of emergency (such as a declared hurricane) during the first year after the loss. Your right to representation is legally protected.
Matching Uniform Appearance (§626.9744)
Florida’s matching statute (§626.9744) requires insurers to replace undamaged materials when necessary to maintain uniform appearance. If half your roof was damaged by wind and the shingles no longer match, the carrier must replace the entire roof to restore uniform appearance. This is one of the strongest policyholder protections in the country — and one of the most frequently ignored by insurance adjusters.
DFS Licensing & Oversight
The Florida Department of Financial Services (DFS) licenses and regulates every public adjuster in the state. DCS holds an active Florida public adjuster license (Firm License #W820363, Joshua Osteen License #W045717) and operates in full compliance with DFS requirements, including continuing education and bond requirements.
3-Year Supplemental / Reopen Window
Under Florida Statute §627.70132, policyholders have up to three years from the date of loss to file a supplemental or reopened property insurance claim (extended to the later of four years for hurricane claims). If damage was missed or underpaid on your original claim, you still have time to fight for the full recovery — but the window is closing every day.
Assignment of Benefits Reform (2022)
Florida’s 2022 legislative reforms (SB 2-D, SB 2-A) significantly changed the Assignment of Benefits (AOB) landscape and one-way attorney fees. This is why hiring a licensed public adjuster — rather than signing your rights over to a contractor — is more important than ever. A PA represents YOU, does not own your claim, and cannot be paid unless you recover.
90-Day Payment Deadline (§627.70131)
Florida Statute §627.70131 requires insurance companies to pay or deny a claim within 60 days of receiving notice (previously 90 days, reduced by 2022 reforms). Violations can constitute bad faith. If your insurance company is delaying payment beyond the statutory deadline, you have legal remedies — and we document every delay for potential bad-faith action.
South Florida Counties We Serve
We represent policyholders across the three largest counties in South Florida, covering the entire I-95 corridor from Jupiter to Homestead.
Palm Beach County
West Palm Beach, Boca Raton, Delray Beach, Boynton Beach
Broward County
Fort Lauderdale, Coral Springs, Pompano Beach, Hollywood
Miami-Dade County
Miami, Doral, Hialeah, Homestead
Florida Cities We Serve
We work with policyholders across every major city in Palm Beach, Broward, and Miami-Dade counties.
Florida Claim Types We Handle
From hurricanes and tropical storms to water damage, fire, and denied claims — we represent Florida policyholders across every major peril.
Florida Insurance Claim? Let's Get You Paid.
Free claim review — no upfront cost. We handle the paperwork, inspections, and negotiation so you can focus on recovery. No recovery, no fee.
