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.

Contact Us

Shoreline Public Adjusters

We work for YOU - not the Insurance Company!

Phone
954-546-1899

Fax
239-778-9889

Email
hello@teamshoreline.com

Licensed in Florida, Minnesota & Wisconsin

As Seen On:

Why Property Owners Trust Shoreline Public Adjusters

At Shoreline Public Adjusters, we stand with homeowners, business owners, condo associations, and HOAs across Florida, Minnesota, and Wisconsin who need a strong advocate during an insurance claim. As licensed public adjusters, our job is simple: protect policyholders, document every inch of damage, and secure the full settlement you’re owed — not just the amount your insurance company wants to pay.

Public Adjusters Serving Florida, Minnesota & Wisconsin

Insurance companies rely on adjusters who work for them, not you. When you hire Shoreline, you get a licensed public adjuster who understands state-specific issues:

Florida public adjuster support for hurricanes, windstorms, water damage, floods, and roof failures
Minnesota public adjuster representation for freeze/thaw damage, ice dams, hailstorms, and complex winter losses
Wisconsin public adjuster guidance for hail, snow load, fire, water intrusion, and storm-related claims

Every state has unique building codes, claim regulations, and common carrier tactics — and we navigate them all on your behalf.

What Our Public Adjusters Do for Property Owners

As your full-service public adjuster team, we:

Provide a free insurance policy and claim review
Perform detailed inspections for hidden and visible damage
Prepare a legally defensible, fully documented claim
Negotiate with your insurance company to secure maximum payment
Represent residential, commercial, HOA, and multifamily policyholders
Handle new claims, underpaid claims, and denied claims in FL, MN & WI

We fight aggressively so you don’t have to navigate the insurance company alone.

Florida, Minnesota & Wisconsin Property Damage Claims We Handle

Our licensed public adjusters work across three states with claims involving:

Hurricane, wind, and storm damage
Hail and snow-related losses
Water damage, pipe breaks, and plumbing failures
Fire and smoke damage
Mold and indoor air quality issues
Commercial losses and business interruptions
Cyber claims and digital property losses
Large-loss HOA and multifamily claims

If your insurer is delaying, denying, or underpaying — we step in and correct the record.

Why Policyholders Trust Shoreline Public Adjusters

Property owners across Florida, Minnesota, and Wisconsin choose Shoreline because:

We are fully licensed in all three states
We bring commercial, residential, and HOA expertise to every claim
We understand how insurers undervalue storm, water, fire, and mold claims
We work on contingency — we only get paid when you get paid
We communicate clearly, push back against lowball offers, and protect your rights

When the insurance company tries to pay less, overlook damage, or use ambiguous policy language, we intervene with evidence, documentation, and state-specific expertise.

Contact Your Local Public Adjuster in FL, MN & WI

If you’re dealing with property damage and want a local public adjuster who actually represents you, reach out today. Whether your property is in Florida, Minnesota, or Wisconsin, our team is ready to review your policy, investigate the damage, and secure the settlement you deserve.

Fill out the form on this page or contact us directly — we’re here to help.

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