What is a Public Adjuster?

A Public Adjuster is someone who helps you with your insurance claim after something like a fire, storm, or water damage happens. They work for you—not the insurance company—to make sure you get the money you deserve to fix the damage.

What’s the difference between a Public Adjuster, Company Adjuster, and Independent Adjuster?

A Public Adjuster works for you and helps you with your claim. A Company Adjuster works for your insurance company and looks out for their interests. An Independent Adjuster is hired by the insurance company but isn’t one of their employees. They still work for the insurance company, not for you.

What should I give my Public Adjuster to help with my claim?

To make things go smoothly, give your Public Adjuster: a full copy of your insurance policy (or at least the Declarations Page), receipts or bills for any repairs you’ve done, and photos or videos showing the damage.

How can a Public Adjuster help me?

Insurance claims can be confusing. A Public Adjuster knows what to do—from filling out paperwork and meeting deadlines to talking with your insurance company. They take care of everything so you don’t have to stress. Most of the time, they also help you get more money than you would on your own.

How much does it cost to hire a Public Adjuster?

Most Public Adjusters don’t charge upfront. Instead, they get paid a percentage of the money they recover for you. For example, in Florida, the fee is usually up to 20%, but only 10% if it’s after a big storm. In Texas, the fee is usually 10%. This setup makes sure they work hard to get you the most money, as quickly as possible.

What’s the difference between hiring a Public Adjuster and an Attorney?

Public Adjusters help right from the start: documenting the damage, making estimates, and talking with your insurance company. If they can’t get the job done, then you might need to hire an Attorney. Public Adjusters usually finish claims in 1 to 4 months. If you bring in an Attorney, it could take a year or longer.

Can a roofer or contractor help me the same way a Public Adjuster can?

No. Roofers and contractors can help fix your home and give estimates, but they can’t talk to your insurance company about your coverage or argue for more money. Only Public Adjusters and Attorneys are allowed to do that. A Public Adjuster can handle your whole claim, start to finish.

How long does a claim take with a Public Adjuster?

Most claims handled by a Public Adjuster are finished in 1 to 4 months. Insurance companies have up to 90 days to look into the claim. The Public Adjuster keeps things moving and pushes to get it done fast. If it takes longer, you might need an Attorney to step in.

What’s the difference between doing a claim myself and hiring a Public Adjuster?

You can do the claim on your own, but it’s hard if you don’t know all the rules and steps. Public Adjusters are trained pros who know how to get the most money. People who hire them often get 50% to 500% more than those who go it alone.

Where do I find my policy or claim number?

You can find it on the Declarations Page, which is usually the first page of your insurance policy. It also has your coverage details, deductible, and contact info for your insurance agent. If you don’t have it, call your Insurance Agent or Company to get a copy.

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How Long After an Accident Can You File a Claim?

Accidents can be stressful and overwhelming, and knowing how long you have to file an insurance claim afterward is crucial. Each state has different filing deadlines, known as the statute of limitations, and understanding these rules can mean the difference between a successful claim and a denied one. In this guide, we’ll cover everything you need to know about filing a claim after an accident and how Shoreline Public Adjusters can help.

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Guide to Handling Insurance Claims After a Hurricane

Dealing with the aftermath of a hurricane can be overwhelming, especially when it comes to handling insurance claims. Navigating the complex process of filing a claim, documenting damages, and negotiating with your insurance company requires careful planning and understanding. In this comprehensive guide, we will walk you through the essential steps to take after a hurricane to ensure your insurance claim is successful.

Whether you're a homeowner dealing with storm damage or someone seeking advice on how to file an insurance claim after a hurricane, this guide is designed to help. We’ll cover essential hurricane insurance claim tips for homeowners, the best practices for dealing with insurance companies after storm damage, and a step-by-step approach to maximize your claim's success.

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Understanding Public Adjusters and Their Role

Learn how public adjusters assist homeowners in navigating claims and securing higher settlements.

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How to Request Your Insurance Policy from State Farm

Discover step-by-step instructions to request your State Farm insurance policy. Get your documents online, via the app, or through customer service.

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How Much Hail Damage to Replace Roof

Wondering how much hail damage justifies a roof replacement? Discover the criteria and how public adjusters can help.

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Do Copper Roof Strips Prevent Shingle Damage?

Learn how copper roof strips can protect your shingles from damage by reducing algae and moss growth.

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Cyber Insurance Claims: Protecting Your Business After a Cyberattack

Discover the steps to file a cyber insurance claim, common mistakes to avoid, and how to document incidents properly. Protect your business today.

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How Do Public Adjusters Get Paid? A Clear Guide for Property Owners

Discover how public adjusters get paid and why their contingency fee model often pays for itself. No upfront costs. Get the facts.

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Why You Need a Naples Florida Public Adjuster After a Property Loss

A Naples Florida public adjuster helps policyholders get fair insurance settlements. Learn the benefits!

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What is the Difference Between a Private Claims Adjuster and a Public Adjuster?

Learn the difference between Private Claims Adjusters and Public Adjusters. Find out when to hire a Public Adjuster for your insurance claim.

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Denied Insurance Claim in Minnesota? Here's What to Do Next

Learn what to do if your insurance claim was denied in Minnesota. Step-by-step guide for homeowners and business owners.

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Maximize Your Insurance Payout in Milwaukee: Here's How a Public Adjuster Can Help

Discover how Shoreline Public Adjusters helps Milwaukee residents and businesses increase insurance payouts after fire, storm, or hurricane damage.

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Does HOA Insurance Cover Water Damage? Know Your Rights

When water damage strikes your condo or home in an HOA community, the first question is often: "Does HOA insurance cover this?" The answer isn’t always clear—and if you live in Florida, Minnesota, or Wisconsin, the rules can vary depending on your location, your HOA’s bylaws, and how the water damage occurred.

In this article, we’ll cover everything you need to know about HOA insurance and water damage. We’ll explore what HOA policies typically cover, common exclusions, who’s responsible in real-world scenarios, and how coverage rules differ by state. You’ll also learn exactly what steps to take if your HOA or insurance provider denies your claim—and how a licensed public adjuster like Shoreline can help fight back.

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How to Get a Copy of Your HOA Master Insurance Policy

If you live in a condo, townhouse, or gated community, you're likely covered under a Homeowners Association (HOA) master insurance policy. But when disaster strikes—like a hurricane, fire, or burst pipe—you may need to access that policy fast.

So, how do you get a copy of your HOA master insurance policy? In this blog, we’ll break down:

What the HOA master policy covers (and what it doesn’t)
Why you need it for insurance claims
Step-by-step instructions to request a copy
State-specific laws for Florida, Minnesota, and Wisconsin
When to call in a public adjuster like Shoreline

Let’s make sure you're prepared before you ever need it.

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What to Do If Insurance Denied Roof Claim

Dealing with a Denied Roof Claim: Your Next Steps

Finding out that your insurance company has denied your roof damage claim can be overwhelming and frustrating. Roof damage is often costly to repair, and the denial can leave homeowners feeling stuck. But don’t worry—there are steps you can take to challenge the decision and get the compensation you deserve.

In this comprehensive guide, we’ll cover the most common reasons why roof claims are denied, what you should do if it happens to you, and how a public adjuster can help you navigate the appeals process. Whether you’re in Florida, Minnesota, or Wisconsin, these actionable tips will help you move forward with confidence.

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Does Renters Insurance Cover Hurricane Damage?

Hurricane Insurance for Florida Renters: What You Need to Know

Hurricanes are a part of life in Florida, but that doesn’t mean renters always know how to protect their property—or whether they’re even covered. If you’re wondering, "Does renters insurance cover hurricane damage?"—you’re not alone. This guide breaks it down in plain English, so you know exactly where you stand before and after the storm.

What This Blog Covers:

What renters insurance typically includes (and excludes)
How hurricane damage is handled in Florida
Real-world examples of covered and non-covered losses
What steps to take after a hurricane hits
How Shoreline Public Adjusters can help with denied or underpaid claims

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Do Homeowners Associations Need Insurance? Complete Guide to HOA Insurance Coverage

What is HOA Insurance and Why Do HOAs Need It?

Understanding the Purpose of HOA Insurance Homeowners associations (HOAs) are responsible for maintaining common areas and shared spaces within a community. To protect these areas from damage and mitigate liability risks, HOAs typically purchase HOA insurance, also known as a master policy. This insurance covers common elements like clubhouses, pools, lobbies, and walkways, shielding the association from financial loss if accidents, damage, or lawsuits occur.

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When Does Hurricane Season Start in Florida?

What You Need to Know About Florida's 2025 Hurricane Season

Florida residents know that when summer rolls around, hurricane season is never far behind. But exactly when does hurricane season start in Florida? And more importantly—how can you prepare?

In this blog, we’ll break down:

The official start and end dates of Florida’s hurricane season
2025 hurricane season forecasts
Peak periods of activity
How residents of Collier County, and throughout Florida, Minnesota, and Wisconsin, can prepare
Why Shoreline Public Adjusters should be your go-to resource when a storm strikes

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Do I Need a Public Adjuster After Hurricane Damage in Naples, FL?

Hurricanes are a harsh reality for Florida residents, especially those living in coastal communities like Naples. When the storm clears and the damage is done, one question often arises: Do I need a public adjuster after hurricane damage in Naples, FL?

In this blog, we’ll break down exactly what a public adjuster does, why hiring one can be a game-changer after a hurricane, and how to decide if it's the right choice for your specific situation. If you're dealing with roof leaks, flood damage, or property loss, this guide will help you make an informed decision.

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Common Mistakes to Avoid When Filing Insurance Claims

Filing a home insurance claim can be a stressful and confusing process, especially in the aftermath of a disaster. Whether you're dealing with hurricane damage in Florida, winter storms in Wisconsin, or severe weather in Minnesota, homeowners often make costly errors that can delay or even result in the denial of their insurance claims. In this blog post, we’ll walk you through the most common mistakes to avoid when filing insurance claims so you can protect your property, your finances, and your peace of mind.

You’ll learn:

The top mistakes homeowners make when filing claims
Why some claims get rejected
How to avoid errors during the insurance claim process
What to do when submitting property damage claims