FLORIDA PUBLIC ADJUSTERS
Hurricane, wind or water damage in Florida? Get your own adjuster.
We are a Fort Myers public adjusting firm. We represent Florida homeowners and business owners, not the insurance company, and handle the claim from inspection to settlement.
- Integrity Claims Consultants, FL Lic. W863708
- Residential and commercial
- Hablamos español
Tell us what happened
Our team calls you back within one business day. Have photos or a claim number? Use the full claim form.
Florida claims we handle
Hurricane and wind
Roof, windows, siding, screen enclosures and the interior damage that follows.
Roof leaks
Water coming through the roof after a storm, and the ceilings, walls and floors it ruins.
Water and plumbing
Leaks, burst supply lines and appliance failures.
Fire and smoke
Fire damage plus smoke and soot cleaning throughout the property.
Know your rights in Florida
60 days to pay or deny
Florida residential insurers generally must respond to your claim communications within 7 days and pay or deny the claim within 60 days of notice. Late payments can owe interest.
Fla. Stat. § 627.70131Do not wait to report damage
Florida generally bars a new or reopened claim that is not reported within 1 year of the loss, and a supplemental claim after 18 months. For hurricanes, the clock starts at landfall.
Fla. Stat. § 627.70132Time to cancel a public adjuster contract
You can cancel a Florida public adjuster contract without penalty within 10 days of signing. After a declared state of emergency, you have 30 days after the loss or 10 days after signing, whichever is longer.
Fla. Stat. § 626.854(7)General information about Florida law as of October 2026, not legal advice. Your policy and your claim's facts matter; ask us about your situation.
How fees work in Florida
You sign a written contract that states our fee before we start any work.
For homeowner and condo unit claims, Florida law limits what a public adjuster can charge:
- Up to 20% of what the insurance company pays on the claim.
- Up to 10% on a claim from an event covered by a declared state of emergency, for one year after the declaration.
- No more than 1% if the insurer pays or commits to pay your policy limits within 14 days after the loss is reported, or within 10 days after you sign with us, whichever is later.
- No fee on any money the insurer paid before you hired us.
Commercial claims: the fee is set in your contract.
How it works
- 1
Tell us what happened
Fill out the form or call. Our team reviews your information and calls you back within one business day.
- 2
We document everything
We inspect the damage, take detailed photos, review your whole policy and write a full estimate of what it costs to repair.
- 3
We handle the insurance company
We present the claim, answer the carrier, schedule inspections and negotiate, and keep you updated along the way.
Florida law sets deadlines for giving your insurer notice of a property claim. Contact us as soon as you can after the loss, even if you have not filed yet.
Florida questions
My claim was already paid. Can you still help?
Often, yes. On a reopened or supplemental claim, our fee applies only to the additional money the insurer pays.
Is your office in Florida?
Yes. Our office is in Fort Myers, and we handle claims across Florida.
Can I keep working with my contractor?
Yes. We work alongside your roofer, restoration company or contractor. They handle the repairs; we handle the insurance claim.
¿Hablan español?
Sí. Nuestro equipo atiende en inglés y en español.