Florida Public Adjuster

Licensed Public Adjusters Serving All 67 Florida Counties

✓ No Fee Unless We Recover

✓ Licensed Florida Public Adjusters (#G199012)

✓ Serving The Entire State of Florida

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Florida Public Adjuster - Shoreline Public Adjusters

Your insurance company has a team of adjusters protecting their bottom line. You deserve someone fighting just as hard for yours. Shoreline Public Adjusters represents Florida homeowners, businesses, and HOA associations through every stage of the property damage insurance claim process — from the initial inspection through final settlement.

We work on contingency. No fee unless we recover money for you. Whether your claim was denied outright, delayed for months, or settled for far less than your damage warrants, our licensed adjusters know how to build the documentation and negotiate the payout your policy entitles you to.

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Florida Residential Public Adjuster - Shoreline Public Adjusters

Aerial view of Florida HOA community with pool and residential homes - Shoreline Public Adjusters handles HOA and condo association insurance claims

Residential Claims

HOA Claims

Downtown FL commercial high-rise buildings - Shoreline Public Adjusters handles business and commercial property insurance claims

Black SUV with wind damage from a storm - Shoreline Public Adjusters handles car insurance claims and diminished value claims in Florida

Business & Commercial Claims

Auto Claims

Historic Florida law firm building exterior - Shoreline Public Adjusters provides insurance appraisal and umpire services

Appraisal Services

Why Florida Property Owners Need a Public Adjuster More Than Ever

Florida's claim clock is shorter than it used to be. The 2021 statute gave a policyholder 2 years to give notice of a claim and 3 years for a supplemental claim. Under the current §627.70132, a claim or reopened claim must be noticed within 1 year of the date of loss and a supplemental claim within 18 months.

After a hurricane, tropical storm, water loss or fire, the adjuster your insurer sends is a company adjuster who works for the insurer, and that adjuster's estimate is where the insurer's number starts.

A public adjuster changes the equation. Licensed by the Florida Department of Financial Services under §626.865, a public adjuster works for you, not the insurer. We inspect the damage independently, prepare detailed Xactimate estimates, document every line item the insurance company missed, and negotiate directly with your carrier on your behalf.

FEMA holds 448,618 NFIP flood claims for Florida, and 151,174 ended without a building payment. FEMA's most frequent closing code on those was "not actual flood."

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We are based in Naples, FL but are licensed and our team services the entire states of Florida, Minnesota, Wisconsin, North Dakota & South Dakota - contact us today to get started!

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Florida Flood Claim Figures From the Federal Record

Each figure below comes from FEMA's flood claim record or Shoreline's Florida license, with the source on the card.

448,618

NFIP Flood Claims in Florida

Every flood insurance claim FEMA holds for Florida, across all years on file. — OpenFEMA NFIP Claims

151,174

Closed With No Building Payment

About a third of Florida's flood claims. FEMA's most frequent closing code on them was "not actual flood," used 33,992 times. — OpenFEMA NFIP Claims

67

Counties Served Statewide

Shoreline's Florida firm license G199012 covers every county, from Pensacola to Key West. — Florida DFS

Your Insurance Claim Rights Under Florida Law

The Florida statutes that set the deadlines, deductibles and fees on a property insurance claim, summarized from the 2026 Florida Statutes.

How Long You Have to File §627.70132

A claim or reopened claim is barred unless notice reaches the insurer within 1 year after the date of loss, and a supplemental claim within 18 months. For a hurricane or other weather event, the date of loss is the date the hurricane made landfall or the date NOAA verifies the event. The 2021 statute allowed 2 years and 3 years.

What Your Insurer Must Do, and When §627.70131

Your insurer must review and acknowledge a claim communication within 7 calendar days, begin its investigation within 7 days after receiving proof-of-loss statements unless the policy or law provides otherwise, complete any physical inspection within 30 days of receiving them, send you any detailed estimate within 7 days of its adjuster generating it, and pay or deny within 60 days after notice. After a Governor-declared state of emergency, the Office of Insurance Regulation can give specified insurers in specified areas extra time, but it may not extend the pay-or-deny period by more than 30 additional days.

When the Hurricane Deductible Applies §627.4025 · §627.701

The hurricane deductible covers losses in a window that begins when a hurricane warning is issued for any part of Florida and ends 72 hours after the last hurricane watch or warning ends. On a personal residential policy issued or renewed on or after May 1, 2005, it applies on an annual basis to all covered hurricane losses in the calendar year under policies from the same insurer or insurer group.

What a Public Adjuster May Charge §626.854

Compensation is capped at 10% of claim payments on claims based on an event under a Governor-declared state of emergency, for claims made during the year after the declaration, and 20% on other claims. You may cancel a public adjuster contract without penalty within 10 days of signing, or, for a declared-emergency loss, within 30 days after the date of loss or 10 days after signing, whichever is longer.

Unfair Claim Settlement Practices §626.9541

It is an unfair claim settlement practice when an insurer, often enough to indicate a general business practice, fails to adopt standards for the proper investigation of claims, fails to acknowledge and act promptly on claim communications, denies claims without a reasonable investigation, or fails to affirm or deny coverage of claims.

Civil Remedy Notice Before a Bad-Faith Suit §624.155

Before a bad-faith action under §624.155, the Department of Financial Services and the insurer must receive 60 days' written notice of the violation, on the department's form.

Condominium Loss Assessments §627.714 · §627.70132

A unit owner's residential property policy issued or renewed on or after July 1, 2010 must include at least $2,000 of loss assessment coverage, with a deductible of no more than $250 per direct property loss, and the limit that counts is the one in effect 1 day before the loss. Notice of a loss assessment claim is due within 1 year after the date of loss or 90 days after the association votes to levy the assessment, whichever is later, and never more than 3 years after the date of loss.

State Mediation Before Appraisal or Suit §627.7015

On personal lines and commercial residential claims, mediation through the Department of Financial Services is available before appraisal or litigation begins, at the request of the policyholder or the insurer.

Public Adjuster Services Across Every Region of Florida

Headquartered in Naples, Shoreline is licensed to handle property claims in all 67 Florida counties.

Panhandle & Northwest

Escambia, Santa Rosa, Okaloosa, Walton, Bay & Leon Counties

Gulf-facing counties exposed to hurricane wind, hail and storm surge.

Pensacola Panama City Destin Fort Walton Beach Tallahassee

North & Central Florida

Duval, Orange, Seminole, Hillsborough & Pinellas Counties

Dense I-4 corridor metros with wind, water, hail, sinkhole and lightning claims.

Jacksonville Orlando Tampa Seminole County

Southwest Florida HQ

Collier, Lee, Charlotte, Sarasota & Manatee Counties

Our home territory, served from the Naples office.

Naples Fort Myers Cape Coral Bonita Springs Marco Island Punta Gorda Port Charlotte Sarasota North Port Collier County Lee County Manatee County

Treasure Coast

St. Lucie, Martin, Indian River & Brevard Counties

Atlantic-facing counties exposed to hurricane wind, storm surge and coastal flooding.

Port St. Lucie Stuart Fort Pierce Vero Beach Sebastian

Southeast Florida & Gold Coast

Miami-Dade, Broward & Palm Beach Counties

Condominium claims here split between an association's master policy and each unit owner's HO-6 policy.

Miami Fort Lauderdale West Palm Beach Boca Raton Hollywood Hallandale Beach

Florida Public Adjuster vs. Insurance Attorney vs. Handling It Yourself

After property damage in Florida, you have three ways to pursue the claim, and each fits a different kind of dispute.

Recommended First Step

Florida Public Adjuster

Contingency fee capped by FL Statute §626.854

Licensed by the Florida Department of Financial Services under §626.865
Files, manages, and negotiates your entire FL insurance claim
Can start at first notice of the claim, while the evidence is fresh
Fee capped at 10% on declared-emergency claims made within a year of the declaration, 20% otherwise
No upfront cost — contingency only, pay nothing if we don't recover
Documentation builds the foundation for legal action if needed later

Florida Insurance Attorney

Fee set by the attorney's own agreement

Handles coverage disputes, bad faith claims, and litigation
Files Civil Remedy Notices under FL Statute §624.155
Necessary when the insurer refuses to negotiate in good faith
Usually gets involved after the claims process stalls
Litigation adds court deadlines and discovery

Handle It Yourself

No fee, and every task falls to you

Negotiating alone against trained carrier adjusters
No Xactimate estimates or professional loss documentation
Easy to miss hidden damage, policy benefits, and FL deadlines
Notice after the 1-year bar in §627.70132 forfeits the claim
You run appraisal, mediation or a Civil Remedy Notice yourself

When the dispute is about what the damage is and what it costs to repair, a licensed public adjuster is the right first step. That's true whether you're dealing with hurricane wind damage in the Panhandle, water damage in Tampa, or fire loss in Miami. We get involved early — before costly mistakes are made — and handle the entire process from first inspection to final check.

An insurance attorney becomes the right move when your claim hits a wall. Coverage disputes, bad faith denials, and cases that need to go to court all call for legal help. If your case reaches that point, the work we've already done — Xactimate estimates, moisture readings, photos, and carrier letters — becomes the evidence your attorney needs.

Our fee is capped by §626.854 at 20% of claim payments, or 10% on declared-emergency claims made within a year of the declaration, and there is no upfront cost. Schedule a free claim review to find out which option fits your situation.

Types of Florida Property Damage Claims We Handle

Florida's subtropical climate, hurricane exposure and aging building stock create their own property damage risks, and each type of claim needs its own documentation.

Storm

Hurricane Damage Claims in Florida

Hurricanes bring wind damage, water intrusion and debris impact. We separate wind from flood damage, challenge cosmetic-only denials, and pull wind speed data for your exact location. We also document damage that shows up weeks after the storm. Serving homeowners from Pensacola to Miami after every named storm.

Water

Water & Flood Damage Claims in Florida

Pipe bursts, roof leaks and failed appliances are claims where policy language decides coverage: sudden and accidental water damage is typically covered, gradual leaks are typically excluded, and some policies set a separate mold sub-limit. We find the water source, use moisture meters and thermal imaging, and prove the "sudden and accidental" nature of the loss. That's the key phrase that triggers coverage.

Storm

Wind & Tornado Damage Claims in Florida

Beyond hurricanes, Florida sees severe thunderstorms, microbursts, and tornadoes that cause major structural damage. A carrier may treat wind damage as cosmetic and offer spot repairs instead of full restoration. We document debris patterns, trace interior water damage back to wind-created openings, and fight percentage-based deductible errors that shrink your payout.

Panhandle

Hail Damage Claims in the Florida Panhandle

Storms over the Florida Panhandle bring hail. Hail hits roofing, siding, gutters, HVAC units, and soft metals in ways you can't always see from the ground. We run full roof inspections, find functional damage beyond cosmetic marks, and push back when carriers try to limit payouts to surface-level fixes.

Residential

Fire & Smoke Damage Claims in Florida

From kitchen fires to electrical blazes, fire damage goes far beyond what you can see. Smoke gets into HVAC systems, insulation, and hidden spaces throughout the home. We document all smoke and soot damage with industry testing. We also inventory your damaged contents at full replacement cost and make sure your claim includes code upgrades required under the current Florida Building Code.

Florida-Specific

Mold Damage Claims in Florida

Florida's year-round humidity gives mold a head start after any water event. Some policies cap mold with a sub-limit, and a carrier may argue the mold was there before the loss. We build a clear timeline from the water event to the mold growth. We get independent lab testing and challenge the low payout caps that leave you short.

Commercial

Florida Business Interruption Claims

When property damage forces your Florida business to close or cut operations, lost revenue adds up fast. Disputes center on the period of restoration, seasonal revenue swings and extra expense records. We work with your financial data to calculate the true economic impact and negotiate for every dollar owed.

Residential

Theft & Vandalism Claims in Florida

Break-ins and vandalism need detailed inventory lists and replacement cost figures . We build full contents inventories, get current replacement pricing, and make sure your claim reflects the true value of what was stolen or destroyed — not a depreciated figure.

Specialty

Cyber Attack & Data Breach Claims in Florida

Ransomware, data breaches, and system hacks trigger insurance claims that call for technical documentation. A Shoreline public adjuster holds CISSP and CISA cybersecurity certifications. That means Shoreline can rebuild incident timelines, calculate lost revenue from system downtime, and document data recovery costs with the technical detail these claims demand.

Specialty

Auto Insurance & Diminished Value Claims in Florida

Vehicle damage claims, total loss disputes, and diminished value recovery all need independent valuation. Disputes center on aftermarket parts and the drop in resale value that remains even after quality repairs. We get independent appraisals, document the true pre-loss value, and negotiate for the full amount your policy owes.

How Our Florida Insurance Claim Process Works

From initial inspection to final settlement, here's how Shoreline works a Florida property damage claim.

1

Inspect & Document Your Damage

We photograph all damage, take moisture readings, review your policy for coverage and exclusions, and identify damage the insurance company is likely to minimize.

2

File & Track Your Florida Claim

We prepare and submit your claim with detailed Xactimate estimates and proof of loss. Under FL Statute §627.70131, your insurer has 7 calendar days to acknowledge the claim and 60 days to pay or deny it. We track every statutory deadline.

3

Negotiate & Escalate

We challenge lowball offers, coverage denials, and scope disputes with documentation. If the carrier refuses to settle fairly, we demand appraisal or identify bad faith grounds for a Civil Remedy Notice under §624.155.

4

Maximize Your Settlement

We don't settle for less than your damage warrants. If additional damage appears during repairs, we file supplemental claims. You pay nothing unless we recover — and Florida law caps our fee to protect you.

Shoreline's licensed Florida public adjusters manage your claim from start to finish. Local guides for Fort Myers, Naples, Orlando and Jacksonville cover the storms and deadlines in each area.

Florida's 2022–2023 insurance reforms shortened the filing window to just one year from the date of loss, with supplemental claims due within 18 months. These deadlines are set by statute. If you've experienced property damage, start the file before the notice bar runs. Request your free Florida claim review today.

  Florida Public Adjuster — Frequently Asked Questions

  What makes Florida insurance claims different from other states?Florida sets its claim rules in statute. A claim must be noticed within 1 year of the date of loss under §627.70132, the insurer must acknowledge it within 7 calendar days and pay or deny within 60 days under §627.70131, the hurricane deductible is tied to the watch-and-warning window in §627.4025, public adjuster fees are capped by §626.854, and a Civil Remedy Notice under §624.155 must come before a bad-faith lawsuit.

  How does the 60-day claim deadline work in Florida?Under §627.70131, your insurer must review and acknowledge a claim communication within 7 calendar days and pay or deny the claim within 60 days after it receives notice. After a Governor-declared state of emergency, the Office of Insurance Regulation can order extra time for specified insurers in specified areas, but it may not extend the pay-or-deny period by more than 30 additional days.

  What are the fee caps for public adjusters in Florida?Section 626.854 caps public adjuster compensation at 10% of claim payments for claims based on an event under a Governor-declared state of emergency, for claims made during the year after the declaration, and at 20% for other claims. Shoreline charges a contingency fee within those caps, so there is no upfront cost.

  Is the hurricane deductible charged per storm or per year?On a personal residential policy issued or renewed on or after May 1, 2005, §627.701 applies the hurricane deductible on an annual basis to all covered hurricane losses in the calendar year under policies from the same insurer or insurer group. Each hurricane's window runs from the first hurricane warning for any part of Florida until 72 hours after the last watch or warning ends, under §627.4025.

  What should I do if my Florida insurance claim is denied?Start with the denial letter and the specific reason it cites, such as a policy exclusion, late notice, insufficient documentation or a causation dispute. A public adjuster can re-inspect the damage, gather new evidence such as engineering reports or independent testing, and file a supplemental claim or challenge the decision. Escalation options include appraisal if your policy has an appraisal clause, mediation through the Department of Financial Services under §627.7015, and a Civil Remedy Notice under §624.155.

  What's the difference between a public adjuster and an insurance attorney?A public adjuster handles the claim itself: inspecting, documenting, filing and negotiating. An attorney handles legal disputes, including lawsuits over coverage and bad-faith claims. When a claim does go to an attorney, the documentation a public adjuster built becomes part of the evidence.

  How does the appraisal process work in Florida?If your policy has an appraisal clause, that clause sets the process for a dispute over the amount of a loss: how each side chooses an appraiser, how an umpire is selected, the deadlines and who pays. On personal lines and commercial residential claims, mediation through the Department of Financial Services under §627.7015 is available before appraisal begins.

  What is a Civil Remedy Notice?A Civil Remedy Notice is the written notice §624.155 requires before a bad-faith lawsuit against an insurer. The Department of Financial Services and the insurer must receive 60 days' written notice of the violation, on the department's form.

  Does Shoreline handle HOA and condo association claims?Yes, for associations and individual unit owners. Under §718.111(11), a condominium association's policy must exclude personal property inside the unit and floor, wall and ceiling coverings, electrical fixtures, appliances, water heaters, water filters, built-in cabinets and countertops, and window treatments, which are the unit owner's responsibility. A unit owner policy issued or renewed on or after July 1, 2010 must also carry at least $2,000 of loss assessment coverage under §627.714.

  How long does a typical Florida insurance claim take?The statute sets the insurer's outer clock: acknowledgment within 7 calendar days and payment or denial within 60 days after notice under §627.70131. A dispute that goes to appraisal, mediation or litigation runs past that clock.

  What if my insurance company went insolvent or left Florida?If your insurer is declared insolvent, the Florida Insurance Guaranty Association handles covered claims within the limits in §631.57: less than $300,000 per covered claim, plus an additional $200,000 on homeowner's policies for the part of a claim that relates to damage to the structure and contents. If your insurer left the market but is still solvent, the claim stays with that insurer.

  Do I need a separate flood policy in Florida?Standard Florida homeowner policies exclude flood, so flood damage needs an NFIP or private flood policy. The split matters on a hurricane claim: of Florida's 151,174 NFIP claims closed with no building payment, FEMA's most frequent closing code was "not actual flood," used 33,992 times. A public adjuster determines whether damage was wind or rising water and files under the right policy.

  What's the deadline to file a property insurance claim in Florida?Under §627.70132, a claim or reopened claim is barred unless notice is given within 1 year after the date of loss, and a supplemental claim within 18 months. For a hurricane or other weather event, the date of loss is the landfall date or the date NOAA verifies the event. The 2021 version of the statute allowed 2 years and 3 years, so guides that cite those windows are out of date.

Denied or Underpaid Insurance Claim in Florida? Here's What to Do Next.

A claim denial from your Florida insurance company is a decision you can test. Carriers deny Florida property claims for reasons such as a policy exclusion, late notice, a wind-versus-water dispute or weak documentation, and each of those reasons turns on evidence.

1

Review Your Florida Claim Denial Letter

We analyze the denial letter, identify the specific reason, and determine whether it's legitimate or challengeable under Florida law.

2

Re-Inspect the Damage & Build New Evidence

We gather new evidence — independent engineering reports, moisture testing, and contractor assessments — that tests the insurer's findings.

3

Appeal the Denial or File for Appraisal

Formal appeal, appraisal demand under your policy, mediation through the Department of Financial Services under §627.7015, or a Civil Remedy Notice under §624.155 if bad faith indicators are present.

If the carrier still refuses to pay after our appeal, Florida offers several escalation paths. If the dispute is over the dollar amount and your policy has an appraisal clause, we can demand appraisal. We can also request mediation through the Florida Department of Financial Services. And if the insurer's conduct crosses into bad faith, we help prepare a Civil Remedy Notice: the insurer and the department must receive 60 days' written notice before a bad-faith lawsuit can be filed.

The detailed records we build from day one — Xactimate estimates, photos, moisture readings, and carrier letters — are the evidence that makes appeals, appraisals, and legal action possible. Local guides for Fort Myers, Tampa and Jacksonville cover denied claims in those areas. Request a free review of your denied claim.

Florida HOA & Condo Association Insurance Claims

Condominium and HOA claims involve the association's master policy, each unit owner's HO-6 policy, and the Florida Condominium Act, Chapter 718, which divides responsibility between them.

Section 718.111(11) sets where association coverage ends and unit owner coverage begins:

Association Policy

A policy issued or renewed on or after January 1, 2009 must cover the condominium property as originally installed, or replacement of like kind and quality in accordance with the original plans and specifications, plus alterations or additions made under §718.113(2).

Unit Owner Policy

Covers what the association policy must exclude: personal property inside the unit, floor, wall and ceiling coverings, electrical fixtures, appliances, water heaters, water filters, built-in cabinets and countertops, and window treatments.

Loss Assessments

A unit owner policy issued or renewed on or after July 1, 2010 must carry at least $2,000 of loss assessment coverage under §627.714, based on the limit in effect 1 day before the loss.

After a hurricane or major storm, that division decides which policy covers which damage and who pays which deductible.

Shoreline represents both Florida condo associations and individual unit owners. We review the master policy and HO-6 policy side by side, split the claim correctly between association and unit owner costs, and negotiate common elements, limited common elements and individual units together. Local guides for Miami-Dade, Fort Lauderdale, Naples and Boca Raton cover condominium claims in those markets.

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