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.

Holt Public Insurance Claims Adjuster

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Your Trusted Public Adjuster for Property Damage Claims in Holt, FL

When your property is damaged, the path to recovery can be overwhelming. Fighting your insurance company for a fair settlement makes it even worse.

In the Florida Panhandle, property damage can strike unexpectedly—from hurricane winds tearing at your roof, a sudden fire, or a burst pipe flooding your home or business. While you're focused on rebuilding, your insurance carrier is often focused on their bottom line, which can lead to denied claims, delays, and lowball settlement offers.

This is where we step in. Shoreline Public Adjusters works exclusively for YOU, the policyholder in Holt. We are your licensed advocates, leveling the playing field to ensure you receive the maximum and fair settlement you are entitled to.

Why Property Claims in Holt, FL Get Complicated

Insurance companies have a playbook for minimizing payouts on all types of claims. Here’s how they do it:

Blame Pre-Existing Damage:

They'll argue the damage was a "long-term issue" or a result of "poor maintenance" to deny coverage.

Use Policy Loopholes:

They enforce confusing clauses and exclusions hidden in your policy's fine print to limit what they have to pay for.

Ignore Hidden Damage:

They'll pay for the obvious cosmetic damage but often ignore the underlying structural issues, water saturation, or smoke contamination that can lead to major problems later.

Lowball Repair Costs:

They'll offer a settlement based on cheap materials and labor, which is never enough for a proper, quality restoration of your property.

Our Proven Process to Maximize Your Property Claim In Florida

We build an undeniable case that forces your insurer to pay what you're rightfully owed.

Step 1: Free Claim Review

We start with a complimentary review of your policy and the damage. We'll explain your rights and give you an honest assessment of your claim's potential.

Step 3: Expert Valuation & Negotiation

We prepare a detailed, line-by-line estimate for all repairs and aggressively negotiate on your behalf, managing all communications.

Step 2: Comprehensive Investigation

Using the necessary tools, we create an exhaustive evidence package with photos, videos, and detailed reports.

Step 4: Securing Your Maximum Settlement

Our goal is simple: to ensure you have the funds to properly and safely restore your property. We handle everything until the check is in your hand.

Real Florida Panhandle Scenarios We Win

Hurricane Wind Damage in a Holt Residence

After a hurricane, a homeowner's insurer offered only a small payout for a "simple roof repair." Our team conducted a full inspection and found significant structural damage to the trusses and widespread water intrusion that the company adjuster missed. We forced the insurer to pay for a full roof replacement and interior repairs, resulting in a settlement seven times the initial offer.

Commercial Fire Damage at a Milton Business

A fire devastated a local retail store. The insurance company's initial offer didn't account for business interruption, smoke and soot damage to inventory, or the cost of bringing the building up to current code. We took over, documented every loss, and negotiated a comprehensive settlement that covered the full rebuild, lost income, and all inventory, allowing the owners to successfully reopen.

HOA Water Damage Claim in Crestview

A main water line burst in a condominium building, affecting multiple units. The HOA's insurer tried to place blame on individual unit owners and refused to cover the full scope of the damage. We represented the HOA, proved the failure was in a common element, and secured a master policy claim settlement that covered all structural drying, repairs, and mold remediation for the entire affected area.

Frequently Asked Questions about Property Claims in Holt, FL

We handle claims for all types of property damage for homeowners, businesses, and HOAs in the Holt area, including damage from hurricanes, wind, fire, smoke, water, plumbing failures, storm surges, and more.
Absolutely not. Many of our biggest successes come from reopening claims that were wrongfully denied or underpaid. We can reassess the damage and challenge the insurer's decision with new, compelling evidence.
The insurance company's adjuster works for them and has their financial interests in mind. A public adjuster, like Shoreline, is licensed by the State of Florida to work exclusively for you, the policyholder. Our only goal is to get you the maximum possible settlement.
We work on a contingency fee basis, which means we only get paid a small percentage of the settlement we recover for you. If you don't get paid, we don't get paid. There are no upfront costs.

Stop Worrying and Start Recovering Today.

If your Holt property has been damaged, you don't have to face your insurance company alone. Shoreline Public Adjusters is your expert advocate in the Florida Panhandle.

Contact For Help Now

We are a licensed Florida Public Adjusting Firm (License #G199012)

Proudly Serving Homeowners, Businesses, and HOAs in Holt and Across the Florida Panhandle:

Tallahassee

Brent

Wright

Ensley

Niceville

Warrington

Fort Walton Beach

Ferry Pass

Crestview

West Pensacola

Panama City

Pensacola

Bellview

Destin

Myrtle Grove

Crawfordville

Holt

Marianna

Gulf Breeze

Milton

Pace

Navarre

Lynn Haven

Apalachicola

Quincy

Mexico Beach

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We Service All Types of HOA, Commercial & Residential Insurance Claims in Florida

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Higher Claim Settlements: Policyholders who use a public adjuster for their insurance claims receive, on average, 747% higher settlements compared to those who don't.

Florida Association of Public Insurance Adjusters (FAPIA)

Increased Claim Payouts: Public adjusters help policyholders recover 574% more on claims related to hurricane damage than when the insurance company adjuster is used alone.

Office of Program Policy Analysis and Government Accountability (OPPAGA) Report, Florida

Claim Approval Likelihood: Public adjusters significantly increase the likelihood of claim approval, particularly in complex cases such as fire, water damage, and storm claims.

National Association of Public Insurance Adjusters (NAPIA)

Time Efficiency: Public adjusters help expedite the claim process, reducing the time from filing to settlement by 30% on average.

Insurance Information Institute (III)