Florida Public Adjusters: Get the Insurance Payout You Deserve

Struggling With an Insurance Claim? You’re Not Alone.

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If you’re a homeowner in Florida, you already know that hurricanes and tropical storms aren’t just a possibility—they’re a reality. From Hurricane Ian tearing through Fort Myers and Naples to Hurricane Michael devastating the Florida Panhandle, Floridians face extreme weather every year.

When the storm clears, the real battle begins: getting your insurance company to pay what you’re owed.

Insurance companies should make it easy to recover after a disaster, but instead, they often:

  • Delay processing claims, leaving you in limbo for months.
  • Offer low settlements that don’t even cover half of your repair costs.
  • Deny valid claims, blaming damage on “wear and tear” or pre-existing issues.

This is where YPA Public Adjusters steps in. We handle hurricane claims, storm damage, flooding, roof damage, and more—making sure you get the full payout you deserve, not just what the insurance company wants to pay.

Florida Insurance Claims

Whether you’re dealing with wind damage in Miami, roof leaks in Orlando, or flood damage in Tampa, our team of licensed public adjusters will handle your claim from start to finish.

You don’t have to fight your insurance company alone. YPA Public Adjusters is here to help.

Why Are Florida Insurance Claims So Difficult?

Florida homeowners face some of the toughest insurance battles in the country.

  • Hurricanes and tropical storms (like Ian, Michael, and Irma) cause massive damage—and insurers work hard to minimize payouts.
  • Roof damage claims are frequently denied or underpaid because insurers blame it on “wear and tear.”
  • Flood and water damage claims get denied if insurers say it was gradual damage rather than storm-related.
  • Insurance companies know most homeowners don’t have the time or expertise to fight back.

This isn’t just an inconvenience—it’s a deliberate strategy to protect their bottom line, not yours.

At YPA Public Adjusters, we level the playing field. We handle everything—from filing the paperwork to negotiating with the insurance company—so you don’t have to.

What Exactly Is a Public Adjuster?

Think of a public adjuster as your personal insurance claim expert. We do what the insurance adjuster should do—but we work for YOU, not the insurance company.

🔹 Insurance adjusters work for the insurance company and focus on minimizing payouts.
🔹 Public adjusters work for YOU to make sure you get the full amount you’re entitled to.

At YPA Public Adjusters, we don’t just file claims—we fight for the payout you deserve. Whether it’s storm damage in West Palm Beach, fire damage in Orlando, or business interruption claims in Sarasota, we handle the entire process.

When should you call a public adjuster?

✅ If your insurance claim is delayed, underpaid, or denied.
✅ If your damage is significant, and you want a professional to handle negotiations.
✅ If you don’t have time to deal with the insurance company’s back-and-forth.

Florida Hurricane Damage Claims: Why You Need an Expert

When a hurricane hits Florida, the damage can be devastating. We’ve helped homeowners and business owners after major storms like:

  • Hurricane Ian (2022) – Catastrophic damage from Fort Myers to Daytona Beach
  • Hurricane Michael (2018) – Widespread destruction in Panama City and the Florida Panhandle
  • Hurricane Irma (2017) – Damage from Key West to Jacksonville

Unfortunately, hurricane claims are some of the most disputed in Florida. Insurers often:

🚩 Blame damage on floodwaters to avoid paying (if you don’t have flood insurance).
🚩 Deny roof replacements, claiming it’s just “wind-driven rain.”
🚩 Offer low settlements, forcing homeowners to pay out of pocket for major repairs.

If you’re dealing with hurricane damage in Naples, Fort Lauderdale, or anywhere in Florida, YPA Public Adjusters can:

✅ Inspect your property for visible AND hidden damage.
✅ Document everything so your claim is airtight.
✅ Handle all negotiations with your insurance company.
✅ Push back against delays, denials, or underpayments.

How Does the Claims Process Work With a Public Adjuster?

When you hire YPA Public Adjusters, we take care of EVERYTHING:

Step 1: Free Claim Review & Property Inspection

🔹 We assess whether your claim was delayed, underpaid, or denied unfairly.

Step 2: Claim Documentation & Submission

🔹 We gather all necessary evidence, including photos, repair estimates, and policy details.

Step 3: We Fight the Insurance Company for You

🔹 We push back against lowball offers and negotiate for what you actually need.

Step 4: You Get the Maximum Settlement Possible

🔹 Our team ensures you get every dollar you’re entitled to.

How Much Does a Public Adjuster Cost?

One of the biggest myths about public adjusters is that they’re expensive. The truth?

💰 We work on contingency. You don’t pay a dime upfront.
💰 We only get paid if you do. Our fee is a small percentage of your final settlement.
💰 Florida caps public adjuster fees at 10% for hurricane claims—so there’s no risk.

If we don’t increase your payout, you owe us nothing. That’s why hiring a public adjuster is a no-brainer.

Why Choose YPA Public Adjusters?

Homeowners across Florida—from Miami Beach to Pensacola—trust YPA Public Adjusters because:

✔ We’re licensed & experienced in all types of property claims.
✔ We’ve handled claims for hurricanes, roof leaks, fire, water damage, and more.
✔ We get results—our clients receive larger settlements than homeowners who go it alone.
✔ We handle everything—from paperwork to negotiating with insurance adjusters.

Florida Insurance Claims: Frequently Asked Questions

YPA Public Adjusters – Helping You Navigate the Claims Process

Insurance claims can be complicated, especially in Florida, where homeowners deal with hurricanes, flooding, and other property damage risks. Below are real-world questions that Florida homeowners often ask about their insurance claims.

My home was damaged in a storm, but I didn’t file a claim immediately. Can I still file?

Yes, but it depends on your policy. Most insurance policies in Florida have strict deadlines, typically requiring you to report damage within one year for hurricane claims and two to three years for other types of damage. However, if you only recently discovered the damage, such as hidden water damage or structural issues, you may still be able to file a claim.

Even if you missed the deadline, a public adjuster can review your policy and determine if there are any exceptions or ways to reopen your claim.

My insurance company is sending their own contractor to assess the damage. Do I have to use them?

No. While insurance companies often send their preferred contractors, you are not obligated to use them. In many cases, these contractors are chosen because they provide lower-cost repairs that benefit the insurance company, not necessarily you.

You have the right to hire your own licensed contractor or public adjuster to assess the damage independently. Getting a second opinion ensures that all damage is properly documented and that you receive a fair repair estimate.

I already received a settlement, but I think it’s too low. Can I reopen my claim?

Yes. If you believe your insurance payout was too low, you may be able to reopen the claim and request a supplemental payment. This is common in cases where:

  • The initial damage assessment missed certain repairs.
  • You discovered additional damage after repairs began.
  • The cost of repairs ended up being higher than the insurance estimate.

Public adjusters specialize in reviewing past settlements and negotiating additional compensation when necessary.

The insurance company denied my claim, saying the damage was “pre-existing.” Can I fight this?

Yes. Insurance companies often try to deny claims by blaming the damage on wear and tear or pre-existing issues. However, unless they can provide clear evidence that the damage existed before the covered event, they should not deny your claim.

A public adjuster can help by gathering evidence, such as photos, contractor reports, and expert assessments, to challenge the denial and push for a fair settlement.

I have hurricane damage, but my insurance company says it was caused by flooding. How do I prove otherwise?

This is a common issue in Florida, especially after major storms. Insurance companies sometimes classify damage as flood-related to avoid paying under a standard homeowner’s policy, which typically does not cover flooding unless you have separate flood insurance.

A public adjuster can conduct an independent assessment, looking at wind damage, structural impact, and water intrusion patterns to determine the true cause of the damage. This can help in disputing an incorrect denial.

I had to stay in a hotel because my home was unlivable. Will my insurance cover those costs?

It depends on your policy’s Additional Living Expenses (ALE) coverage. Most homeowner’s policies include ALE coverage, which reimburses for hotel stays, rental homes, meals, and other necessary expenses when your home is temporarily uninhabitable due to covered damage.

However, insurance companies often try to limit these payments or delay reimbursement. Keeping all receipts and working with a public adjuster can ensure you receive full compensation for these costs.

My insurance company keeps delaying my claim. What can I do?

Insurance companies are required to process claims within a reasonable timeframe. Florida law generally requires insurers to:

  • Acknowledge your claim within 14 days.
  • Investigate and make a decision within 90 days.
  • Pay out an approved claim within 20 days of the settlement agreement.

If your claim is being delayed beyond these timeframes, a public adjuster can intervene to push for action. In extreme cases, legal action may be necessary to force compliance.

Can I file an insurance claim for mold damage?

Mold coverage depends on your policy. Some policies include limited mold coverage, but others exclude it entirely. Even if your policy covers mold, the insurance company may try to argue that it was due to neglected maintenance rather than a covered event like a hurricane or pipe burst.

A public adjuster can help prove that the mold was caused by a covered loss, ensuring that you receive compensation for remediation costs.

The insurance adjuster said my roof can be patched, but my contractor says I need a full replacement. What should I do?

Insurance companies often try to minimize roof claims by approving small repairs instead of full replacements. If your contractor disagrees with the insurance adjuster’s decision, you have the right to challenge it.

Getting an independent roof inspection and working with a public adjuster can strengthen your case. Florida’s building codes also have specific rules about when a roof must be fully replaced, particularly if more than a certain percentage is damaged.

I own a rental property in Florida. Can a public adjuster help with my landlord insurance claim?

Yes. Public adjusters can assist with landlord insurance claims, including damage to rental properties from storms, fires, or tenant-related incidents. They can also help recover lost rental income if your policy includes Loss of Rent coverage.

Since rental properties often have additional complexities, such as tenant displacement and liability concerns, working with an experienced public adjuster ensures that your claim is handled properly.

I live in a condo, and my unit was damaged by a neighbor’s leak. Who pays for this?

Condo claims can be complex because responsibility depends on the source of the damage. In general:

  • If the leak came from your unit, your own policy is responsible.
  • If the leak came from a neighbor’s unit, their insurance may be liable.
  • If the leak was caused by a common-area issue (such as a roof leak or plumbing failure), the condo association’s master policy may be responsible.

A public adjuster can review your condo documents and insurance policies to determine the best way to file the claim and ensure you get compensated.

My business suffered damage from a storm. Can a public adjuster help with a commercial claim?

Yes. Public adjusters handle commercial property claims, including business interruption losses. These claims can be complex because they involve not just physical damage but also lost revenue, additional expenses, and policy exclusions.

Working with a public adjuster ensures that your business claim is thoroughly documented and that you receive compensation for all covered losses.

I’m worried about my premiums increasing if I file a claim. Should I still file?

Filing a claim can sometimes impact your insurance rates, but avoiding a claim when you have significant damage can cost you far more in out-of-pocket repairs. If the damage is minor, it may not be worth filing a claim, but for major losses, filing is usually the best financial decision.

A public adjuster can review your situation and advise on whether filing a claim makes sense based on the estimated damage and your policy terms.

The insurance company asked me for a recorded statement. Do I have to provide one?

You are not required to provide a recorded statement without legal or professional representation. Insurance companies may use your statement against you to deny or reduce your claim.

Before providing any recorded statement, it’s best to consult with a public adjuster or attorney to understand your rights and ensure that your responses do not negatively impact your claim.

How long do I have to dispute my insurance company’s decision?

The timeframe to dispute an insurance claim varies based on policy terms and Florida law. Typically, you have a few months to file an appeal or request a reconsideration, but if legal action is needed, the statute of limitations can be longer.

If you believe your claim was unfairly handled, a public adjuster can help you reopen the case and negotiate for a fair settlement.

If you have more questions about your Florida insurance claim, contact YPA Public Adjusters today for a free claim review. Whether you’re dealing with hurricane damage, a denied claim, or a low settlement offer, we are here to help you get the payout you deserve.

Serving the entire State of Florida and the major cities: Jacksonville, Miami, Tampa, Orlando, St. Petersburg, Hialeah, Tallahassee Port St. Lucie, Cape Coral, Fort Lauderdale

Don’t Let the Insurance Company Control Your Claim—Call YPA Public Adjusters Today!

Whether you’re in Fort Lauderdale, Orlando, Tampa, or anywhere in Florida, YPA Public Adjusters is here to fight for you.

📞 Call now for a FREE claim review: (682) 267-0336

We’ll handle your claim from start to finish—so you can focus on rebuilding, not battling your insurance company.

Let’s get you the payout you deserve. 🚀

Schedule a Free Consultation

Our adjuster settles the claim for the maximum amount with less hassle for you.

Florida Counties YPA Public Adjuster Serves
  • Alachua
  • Altamonte Springs
  • Anna Maria
  • Apalachicola
  • Apopka
  • Atlantic Beach
  • Auburndale
  • Aventura
  • Avon Park
  • Bal Harbour
  • Bartow
  • Bay Harbor Islands
  • Blountstown
  • Boca Raton
  • Bonita Springs
  • Boynton Beach
  • Bradenton
  • Brooksville
  • Cape Canaveral
  • Cape Coral
  • Casselberry
  • Celebration
  • Chipley
  • Cinco Bayou
  • Clearwater
  • Clewiston
  • Cocoa
  • Cocoa Beach
  • Coconut Creek
  • Coral Gables
  • Coral Springs
  • Crystal River
  • Dania Beach
  • Davie
  • Daytona Beach
  • Deerfield Beach
  • DeFuniak Springs
  • DeLand
  • Delray Beach
  • Deltona
  • Destin
  • Dunedin
  • Eagle Lake
  • Edgewater
  • Edgewood
  • Eustis
  • Fort Lauderdale
  • Fort Meade
  • Fort Myers
  • Fort Myers Beach
  • Fort Pierce
  • Fort Walton Beach
  • Fruitland Park
  • Gainesville
  • Green Cove Springs
  • Greenacres
  • Gulf Breeze
  • Gulfport
  • Haines City
  • Hallandale Beach
  • Hawthorne
  • Hialeah
  • Hialeah Gardens
  • Highland Beach
  • Hollywood
  • Holly Hill
  • Holmes Beach
  • Homestead
  • Hypoluxo
  • Indialantic
  • Jacksonville
  • Juno Beach
  • Jupiter
  • Key Biscayne
  • Key West
  • Kissimmee
  • LaBelle
  • Lady Lake
  • Lake Alfred
  • Lakeland
  • Lake Mary
  • Lake Park
  • Lake Wales
  • Lake Worth
  • Lantana
  • Largo
  • Lauderdale By The Sea
  • Lauderhill
  • Leesburg
  • Lighthouse Point
  • Longboat Key
  • Longwood
  • Maitland
  • Marco Island
  • Margate
  • Melbourne
  • Melbourne Beach
  • Mexico City
  • Miami
  • Miami Beach
  • Milton
  • Minneola
  • Miramar
  • Mount Dora
  • Naples
  • Neptune Beach
  • New Port Richey
  • New Smyrna Beach
  • Niceville
  • North Miami
  • North Miami Beach
  • North Port
  • Oakland Park
  • Ocala
  • Ocean Ridge
  • Ocoee
  • Okeechobee
  • Oldsmar
  • Orange Park
  • Orlando
  • Ormond Beach
  • Oviedo
  • Palatka
  • Palm Bay
  • Palm Beach
  • Palm Beach Gardens
  • Palm Coast
  • Palmetto
  • Panama City
  • Panama City Beach
  • Pembroke Pines
  • Pensacola
  • Pinecrest
  • Pinellas Park
  • Plant City
  • Plantation
  • Pompano Beach
  • Ponce Inlet
  • Port Orange
  • Port St. Lucie
  • Punta Gorda
  • Rockledge
  • Royal Palm Beach
  • Safety Harbor
  • Sanford
  • Sanibel
  • Sarasota
  • Satellite Beach
  • Seaside
  • Sebastian
  • Sewall’s Point
  • Shalimar
  • St. Augustine
  • St. Augustine Beach
  • St. Cloud
  • St. Pete Beach
  • St. Petersburg
  • Stuart
  • Surfside
  • Tallahassee
  • Tamarac
  • Tampa
  • Tarpon Springs
  • Tavares
  • Temple Terrace
  • Titusville
  • Treasure Island
  • Valparaiso
  • Venice
  • Vero Beach
  • Wellington
  • West Melbourne
  • West Palm Beach
  • Weston
  • Wilton Manors
  • Winter Garden
  • Winter Haven
  • Winter Park
  • Winter Springs

If you have had a claim for an insured property loss or damage and you are satisfied with the payment by your insurer, you may disregard this advertisement.