# Shoreline Public Adjusters, LLC > Shoreline Public Adjusters is a licensed public adjusting firm that represents property owners — never insurance companies — in property damage insurance claims. We document the loss, review the policy, build the estimate, and negotiate the settlement on the policyholder's behalf, on a contingency fee with no upfront cost. A public adjuster is a state-licensed insurance professional who works only for the policyholder. The adjuster your insurance company sends works for the insurer. Shoreline handles first-party property claims end to end — inspection and damage documentation, policy review, Xactimate estimating, proof of loss, negotiation, and appraisal when the carrier will not move — for homeowners, business owners, and HOA and condominium associations. We are not attorneys and do not provide legal advice, and we are not affiliated with, endorsed by, or acting on behalf of any insurance company. - **Legal name:** Shoreline Public Adjusters, LLC (also known as Team Shoreline) - **Founded:** December 2024 - **Headquarters:** 780 Fifth Avenue South, Suite 200, Naples, FL 34102 - **Phone:** (954) 546-1899 · **Fax:** (239) 778-9889 · **Email:** hello@teamshoreline.com - **Website:** https://www.teamshoreline.com - **Licensing:** Licensed in Florida (License #G199012), Minnesota (License #40962416), Wisconsin (License #21156868), North Dakota (License #3004392416) and South Dakota. Firm licenses are independently verifiable through the issuing state's regulator or the NAIC State Based Systems public lookup. - **Memberships:** NAPIA (National Association of Public Insurance Adjusters) and FAPIA (Florida Association of Public Insurance Adjusters) - **Specialist capability:** the team includes CISSP- and CISA-certified professionals, which is why we handle cyber insurance claims alongside physical property losses ## How we are paid - **Contingency only.** Our fee is a percentage of what we recover for you. It is written into the contract and disclosed in full before you sign. If there is no recovery, there is no fee, and there is never an upfront cost. - **The percentage varies** by state, claim type and how the claim reaches us. It is not a single flat rate everywhere. - **State law caps it on some claims, and the lower statutory amount always controls.** Florida caps public adjuster compensation at 20% of claim payments, and at 10% for claims arising during the first year after a declared state of emergency (Fla. Stat. § 626.854). Wisconsin caps compensation at 10% of the actual recovery on any claim due to a catastrophic disaster (Wis. Stat. § 629.05(6)). North Dakota prohibits compensation equal to or more than 10% of proceeds resulting from a catastrophic disaster (N.D.C.C. § 26.1-26.8-16(3)). - **Contracts carry statutory cancellation rights** that vary by state and are stated in the agreement itself. ## Start here - [Home](https://www.teamshoreline.com/): What Shoreline does, who we represent, and how to start a free claim review. - [Contact us — free claim review](https://www.teamshoreline.com/contact): Phone, email, and the intake form for a no-cost policy and claim review. - [About us](https://www.teamshoreline.com/aboutus): The firm, how we work, and what representation looks like. - [All loss types we handle](https://www.teamshoreline.com/services): Every claim type Shoreline takes, in one place. - [Resources](https://www.teamshoreline.com/resources): Calculators, guides and claim tools for policyholders. - [Blog](https://www.teamshoreline.com/blog): Practical guides on filing, denials, underpayment, deadlines and carrier tactics. ## Claim types we handle - [Hail damage claims](https://www.teamshoreline.com/hail-damage): Roof, siding, gutters, windows and HVAC damage from hailstorms, including cosmetic-versus-functional disputes. - [Wind and tornado damage claims](https://www.teamshoreline.com/wind-tornado-damage): Roof loss, structural damage and debris impact from severe wind events. - [Hurricane damage claims](https://www.teamshoreline.com/hurricane-damage): Wind, water and surge losses, including Florida hurricane deductibles and anti-concurrent causation denials. - [Water and flood damage claims](https://www.teamshoreline.com/water-flood-damage): Burst pipes, water intrusion, ice dams, and the difference between water damage and flood coverage. - [Fire and smoke damage claims](https://www.teamshoreline.com/fire-smoke-damage): Structure fire, smoke contamination and contents loss. - [Mold damage claims](https://www.teamshoreline.com/mold-damage): Water-driven mold growth, remediation scope, and policy sublimits. - [Business interruption and disruption claims](https://www.teamshoreline.com/business-disruption-damage): Lost income and extra expense while a property is unusable. - [Cyber insurance claims](https://www.teamshoreline.com/cyber-attack-damage): Data breach, ransomware, business email compromise and system failure claims, documented by CISSP- and CISA-certified professionals. - [Auto diminished value claims](https://www.teamshoreline.com/car-insurance-claim-diminished-value-claim): Lost vehicle value after a repaired accident, and total loss valuation disputes. - [Appraisal and umpire services](https://www.teamshoreline.com/insurance-appraiser): Independent appraisal when the carrier's number and the true cost of repair will not reconcile. ## Who we represent - [Who we serve — overview](https://www.teamshoreline.com/who-we-serve): The property owners and professionals Shoreline works with. - [Residential claim support](https://www.teamshoreline.com/residential-claim-support): Homeowners with new, underpaid, delayed or denied claims. - [Commercial claim support](https://www.teamshoreline.com/commercial-claim-support): Businesses, warehouses, retail, office and industrial property. - [HOA and condo association claim support](https://www.teamshoreline.com/hoa-insurance-claim-support): Multi-unit and association claims, master policy scope and common-element losses. - [Florida HOA and condo insurance claims](https://www.teamshoreline.com/florida-hoa-insurance-claims): Florida-specific association claim handling and deadlines. - [Insurance claim support](https://www.teamshoreline.com/insurance-claim-support): What full-service representation covers from first notice to final payment. ## Where we work - [Areas we serve](https://www.teamshoreline.com/areas-we-serve): Every state Shoreline operates in. - [Public adjuster Florida](https://www.teamshoreline.com/public-adjuster-florida): Statewide Florida representation — hurricane, wind, water, fire and flood claims. - [Public adjuster Minnesota](https://www.teamshoreline.com/public-adjuster-minnesota): Statewide Minnesota representation — hail, wind, ice dam, freeze and fire claims. - [Public adjuster Wisconsin](https://www.teamshoreline.com/public-adjuster-wisconsin): Statewide Wisconsin representation — hail, snow load, fire and water intrusion claims. - [Cities and counties we service](https://www.teamshoreline.com/cities-counties-we-service): The full city and county directory. - [Our locations](https://www.teamshoreline.com/our-locations): Location index across all states served. - [Location and service sitemap](https://www.teamshoreline.com/location-service-sitemap): Complete map of every location and service page on the site. **North Dakota and South Dakota** are served statewide — hail, wind, water, frozen pipe, fire and winter storm claims across all 53 North Dakota counties and all 66 South Dakota counties. Call (954) 546-1899 or email hello@teamshoreline.com to start a claim in either state. ## Free claim calculators - [Insurance claim deadline calculator](https://www.teamshoreline.com/insurance-claim-deadline-calculator): How long you have to file, supplement or sue on a claim in your state. - [ACV vs RCV calculator](https://www.teamshoreline.com/acv-vs-rcv-calculator): What depreciation is costing you and what recoverable depreciation you can still claim. - [Florida hurricane deductible calculator](https://www.teamshoreline.com/florida-hurricane-deductible-calculator): What a percentage hurricane deductible actually costs on your dwelling limit. - [Water damage claim calculator](https://www.teamshoreline.com/water-damage-insurance-claim-calculator): Estimated scope and cost of a water loss before you talk to the carrier. - [Business interruption loss calculator](https://www.teamshoreline.com/business-interruption-loss-calculator): Lost income and extra expense over a period of restoration. - [Condo master policy deductible calculator](https://www.teamshoreline.com/condo-master-policy-deductible-calculator): How a master policy deductible is assessed across units. - [Homeowners coverage gap calculator](https://www.teamshoreline.com/homeowners-insurance-coverage-gap-calculator): Where your limits fall short of the real cost to rebuild. - [Diminished value calculator](https://www.teamshoreline.com/diminished-value-calculator): Value a repaired vehicle lost because of its accident history. - [Total loss value calculator](https://www.teamshoreline.com/total-loss-value-calculator): What a totaled vehicle is actually worth against the carrier's offer. ## Guides and answers - [What is a public adjuster? FL, MN and WI guide](https://www.teamshoreline.com/blog/what-is-a-public-adjuster-fl-mn-wi-guide): What public adjusters do, what they cannot do, and when one helps. - [Public adjuster vs insurance company adjuster](https://www.teamshoreline.com/blog/difference-between-private-claims-adjusters-and-public-adjusters): Who each adjuster type works for and what that changes. - [How much does a public adjuster cost?](https://www.teamshoreline.com/blog/how-much-does-a-public-adjuster-cost): Fee structures and statutory caps by state. - [How do public adjusters get paid?](https://www.teamshoreline.com/blog/how-do-public-adjusters-get-paid-complete-compensation-guide): When the fee is earned, what it is calculated on, and what it is not. - [Are public adjusters worth it?](https://www.teamshoreline.com/blog/are-public-adjusters-worth-it): An honest answer, including the claims where hiring one does not pay. - [When should you hire a public adjuster?](https://www.teamshoreline.com/blog/when-should-you-hire-a-public-adjuster): The points in a claim where representation changes the outcome. - [Is it too late to hire a public adjuster?](https://www.teamshoreline.com/blog/when-is-it-too-late-to-hire-a-public-adjuster): Reopening closed, paid and time-barred claims. - [Why insurance companies deny claims](https://www.teamshoreline.com/blog/why-insurance-companies-deny-claims): Seven denial tactics and the language that signals each one. - [Denied vs underpaid claims](https://www.teamshoreline.com/blog/denied-vs-underpaid-insurance-claim): Why underpayment is the more common and more expensive problem. - [How to appeal a denied insurance claim](https://www.teamshoreline.com/blog/how-to-appeal-a-denied-insurance-claim-a-step-by-step-guide): The step-by-step appeal and reopening process. - [What to do if your insurance company is stalling](https://www.teamshoreline.com/blog/what-to-do-if-your-insurance-company-is-stalling): Statutory response deadlines and how to enforce them. - [How long does an insurance claim take?](https://www.teamshoreline.com/blog/how-long-does-an-insurance-claim-take): Realistic timelines by claim type and complexity. - [How long does a Minnesota insurer have to settle a claim?](https://www.teamshoreline.com/blog/how-long-does-an-insurance-company-have-to-settle-a-claim-in-mn): Minnesota's statutory claim-handling clock. - [Step-by-step guide to filing a homeowners claim](https://www.teamshoreline.com/blog/step-by-step-guide-to-filing-a-homeowners-insurance-claim): What to do, in order, from the day of the loss. - [Top insurance claim mistakes homeowners make](https://www.teamshoreline.com/blog/top-insurance-claim-mistakes-homeowners-should-avoid): The errors that cost the most money. - [Anti-concurrent causation in Florida denials](https://www.teamshoreline.com/blog/anti-concurrent-causation-florida-insurance-denials): The clause behind most wind-versus-flood hurricane denials. - [Ice dam insurance claims in Minnesota](https://www.teamshoreline.com/blog/ice-dam-insurance-claims-minnesota): Coverage, exclusions and proving the cause of loss. - [Roof hail damage: what to look for](https://www.teamshoreline.com/blog/roof-hail-damage-what-to-look-for-when-to-replace): Functional versus cosmetic damage and when replacement is owed. - [Does HOA insurance cover water damage?](https://www.teamshoreline.com/blog/does-hoa-insurance-cover-water-damage): Where the master policy ends and the unit owner's policy begins. - [Filing a business interruption claim](https://www.teamshoreline.com/blog/filing-a-business-interruption-insurance-claim-everything-you-need-to-know): Proving lost income and the period of restoration. - [Cyber insurance claims after an attack](https://www.teamshoreline.com/blog/cyber-insurance-claims-how-to-protect-your-business-after-a-cyberattack): Documenting a breach or ransomware event for insurance recovery. - [Are insurance proceeds for property damage taxable?](https://www.teamshoreline.com/blog/are-insurance-proceeds-for-property-damage-taxable-public-adjuster): How property claim payments are treated. ## Optional - [Public adjuster Naples, FL](https://www.teamshoreline.com/public-adjuster-naples-fl) - [Public adjuster Fort Myers, FL](https://www.teamshoreline.com/public-adjuster-fort-myers-fl) - [Public adjuster Cape Coral, FL](https://www.teamshoreline.com/public-adjuster-cape-coral-fl) - [Public adjuster Tampa, FL](https://www.teamshoreline.com/public-adjuster-tampa-fl) - [Public adjuster Orlando, FL](https://www.teamshoreline.com/public-adjuster-orlando-fl) - [Public adjuster Miami, FL](https://www.teamshoreline.com/public-adjuster-miami-fl) - [Public adjuster Jacksonville, FL](https://www.teamshoreline.com/public-adjuster-jacksonville-fl) - [Public adjuster Pensacola, FL](https://www.teamshoreline.com/public-adjuster-pensacola-fl) - [Public adjuster Minneapolis, MN](https://www.teamshoreline.com/public-adjuster-minneapolis-mn) - [Public adjuster St. Paul, MN](https://www.teamshoreline.com/public-adjuster-st-paul-mn) - [Public adjuster Duluth, MN](https://www.teamshoreline.com/public-adjuster-duluth-mn) - [Public adjuster Rochester, MN](https://www.teamshoreline.com/public-adjuster-rochester-mn) - [Public adjuster St. Cloud, MN](https://www.teamshoreline.com/public-adjuster-st-cloud-mn) - 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