Core Service
Public Adjusting
Licensed public adjusters who document your loss, build your claim, and negotiate with the insurance company on your behalf.
What Is a Public Adjuster?
A public adjuster is a state-licensed insurance professional hired by you, the policyholder, to manage your property damage claim. Unlike the adjuster sent by your insurance company, a public adjuster works only for you. We inspect your loss, document every detail, build your claim file, and negotiate with the carrier so you are not facing them alone.
Who Works for Who?
Three types of adjusters. Only one is on your side.
- Insurer
Company Adjuster
Employed by your insurance company.
- Insurer
Independent Adjuster
Hired by the carrier to settle your claim.
- You
Public Adjuster
Licensed to represent only the policyholder.
Claims We Handle
Tap a claim type to learn how we help.
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Hurricane & Storm Hurricane, hail, and wind claims often hide damage. We make sure it all gets counted. -
Water Damage Burst pipes, roof leaks, and flooding. We capture the full scope of water-related loss. -
Fire & Smoke Structure, contents, code upgrades, and living expenses, fire claims are complex. We handle it. -
Roof Damage -
Mold Damage Mold follows water fast. We document health risks and push for full remediation coverage. -
Commercial Business interruption, inventory loss, and property damage, we protect your bottom line.
Underpaid or Denied?
We review your file for free and fight for what your policy covers.
- No recovery, no fee
- Licensed Florida adjusters
- Free, no-obligation review
How Do We Get You the Highest Settlement Possible?
No Recovery No Fee. If we aren't successful, you owe us nothing.
- Step 01
Contact Us
Fill out our online form or give us a call. The application takes about five minutes; share basic claim details and you're on your way to the payout you deserve.
- Step 02
Free Inspection & Analysis
Our team schedules an on-site inspection. We document every detail, and often uncover damage you may have overlooked.
- Step 03
We Go to Work
We build a detailed Xactimate estimate, negotiate with your insurer, and handle mediation or appraisal. You stay informed 100% while we carry the workload.
- Step 04
You Get Paid
Settlement complete, you get paid. Repair, rebuild, or move on with control back in your hands and this claim behind you.
It's so easy to get started.
Start My ClaimReal Policyholders. Real Recoveries.
Verified Google reviews from Florida homeowners, business owners, and partners we've fought for.
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Your Claim Hero helped my family after Milton raise the settlement amount 1,000%!!!
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Joe, Amy, and the entire team at Your Claim Hero are hands down the best public adjusters I have ever met. They fought my insurance company all the way to the finish line and saved me tens of thousands of dollars out of pocket.
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We can't thank Samantha and Joe enough for the outstanding job they did helping us navigate our hurricane insurance claim. Thanks to their expertise, we received a settlement that was significantly higher than what was originally offered, enough to truly restore our home.
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We had been trying for almost 3 years on our own with no luck from our insurance company, but they got it done quickly and secured way more than we ever expected. The whole process was smooth and stress-free for us.
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I had the pleasure to work with Sam and Joe after hurricane Milton, they were very knowledgeable and helpful! I highly recommend Your Claim Hero.
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Elijah Long made a tough insurance claim feel easy. He’s knowledgeable, responsive, and truly goes to bat for his clients.
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I've had a fantastic experience with Elijah. He's incredibly easy to work with and is very knowledgeable.
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Great team!! Outstanding performance going against insurance companies
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Amazing Team! 5 stars, Your Claim Hero gets it done!
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Joe and team is fantastic! Communication is amazing and claim was settled faster than I thought it would be!
Frequently Asked Questions
How much does a public adjuster cost?
We work on contingency, so you pay nothing upfront. We are paid only when we recover additional funds for you. If there is no additional recovery, you owe us nothing.
Can you help if I already filed a claim with my insurer?
Yes. Many clients hire us mid-claim when the insurer's estimate seems low, delays drag on, or supplements are needed for damage that was missed.
What is the difference between a public adjuster and the insurance company adjuster?
The insurer's adjuster represents the insurance company's interests. A public adjuster is licensed to represent only the policyholder, documenting damage, preparing estimates, and negotiating for maximum covered recovery.
When should I hire a public adjuster?
As soon as possible after a loss, especially for hurricane, water, fire, or roof damage. Early involvement helps preserve evidence and prevents undervalued initial settlements.
What does public adjusting cost in Florida?
We work on contingency with no upfront fee. Terms are agreed when you hire us and are paid only from amounts we recover for you. If there is no additional recovery, you owe us nothing.
Can you help if I already filed a claim with my insurer?
Yes. Many clients hire us mid-claim when the insurer's estimate seems low, delays drag on, or supplements are needed for damage that was missed on the first inspection.
Get Help With Public Adjusting
Submit your details and a licensed public adjuster will follow up about your claim.