Licensed Florida Public Adjusters · Lakeland, FL
The insurance company has an adjuster. Now you do too.
When your home or business in Lakeland is damaged, the insurance company sends someone to protect their bottom line. We're the licensed adjusters who work for you — documenting the full damage, filing the claim right, and negotiating until the number reflects what repairs actually cost in Polk County.
- No recovery, no fee
- Free damage inspections
- Fees capped by Florida law
- Local — based in Lakeland
What we handle
Insurance claims we manage from start to settlement
Every claim below follows the same rule: you pay nothing unless the insurance company pays you. Inspections are free, and if the honest answer is that a claim isn't worth filing, we'll say so.
Hurricane Damage Claims
Wind, rain, and debris damage from named storms. We document everything the storm did to your property — not just what the carrier wants to see.
Roof Damage Claims
Wind-lifted shingles, hail bruising, tile cracks, leaks. Roof claims are the most disputed claims in Florida — we handle them every week.
Water Damage Claims
Burst pipes, supply line failures, water heater leaks, AC overflow. Fast-moving claims where the first 48 hours matter most.
Fire & Smoke Damage Claims
From kitchen fires to total losses. Structure, contents, smoke residue, and the living expenses your family racks up while displaced.
Mold Damage Claims
Florida humidity turns small leaks into mold fast. We tie the mold to its covered cause and fight the sub-limits carriers hide behind.
Storm, Wind & Hail Claims
You don't need a hurricane to have a claim. Summer thunderstorms, straight-line winds, hail, and tornadoes do serious damage in Polk County.
Sinkhole Damage Claims
Polk County is sinkhole country. Cracks in walls and floors, doors that won't close, sloping floors — get it evaluated before it gets worse.
Denied & Underpaid Claims
A denial letter is the carrier's opinion, not the final word. We reopen, supplement, and negotiate claims that settled for too little.
Commercial Property Claims
Retail, offices, warehouses, restaurants, churches, and rentals. Large-loss experience plus business interruption claims done right.
Why Lakeland
This is our county, and we know its claims
Lakeland isn't a market we cover from a call center in Miami. It's where we live and work. We know what Milton did to the roofs off Kathleen Road in 2024, why the 2004 storm season still shapes carriers' behavior in Polk County, and why sinkhole questions come up in Mulberry more than they do in Davenport. We know what a shingle roof replacement actually costs from a Lakeland contractor — not what a carrier's national pricing database says it should cost.
That local knowledge is leverage. Insurance carriers settle claims based on the strength of the file in front of them, and a file built by someone who has inspected hundreds of properties in this county — who can cite the weather data for your street and the code requirements for your city — is a file they take seriously.
How it works
Four steps between you and a fair settlement
Free inspection
We walk the property, photograph everything, and give you a straight answer about whether you have a viable claim.
Policy review
We read your actual policy — coverages, endorsements, exclusions, deadlines — so the claim is built on what you're really owed.
Document & file
Line-item estimates, moisture readings, weather data, contents inventories. We file the claim, or reopen it, with a complete file.
Negotiate & settle
We meet the carrier's adjuster at your property, argue the file, and negotiate the settlement. You approve every decision.
Where we work
Serving Lakeland and the communities around it
Based in Lakeland, covering all of Polk County and the neighboring corridors — from Plant City on the Hillsborough side to the Four Corners area out east.
Questions Lakeland homeowners ask us
What exactly does a public adjuster do?
A public adjuster is licensed by the State of Florida to represent you — the policyholder — in an insurance claim. We inspect and document the damage, read your actual policy, prepare a detailed estimate, file or reopen the claim, and negotiate directly with the insurance company's adjusters. The carrier's adjuster works for the carrier. We work for you.
How much does it cost to hire you?
Nothing up front, ever. We work on contingency: a percentage of what the insurance company pays, and only if they pay. Florida law caps public adjuster fees — 10% on claims from a declared emergency during the first year, 20% otherwise. If your claim recovers nothing, you owe nothing.
Is it too late if I already filed the claim myself?
No — most of our clients come to us after filing, when the carrier's offer comes in low or the claim gets denied. We can step in at any stage: before filing, mid-claim, after a lowball offer, or to reopen a closed claim within the legal deadlines.
How is a public adjuster different from the adjuster my insurance company sent?
The adjuster your carrier sends is paid by the carrier, and their estimate is the carrier's opening position. A public adjuster is the only licensed professional besides an attorney who can represent your side of a property claim in Florida. Same license exam, opposite side of the table.
Do you handle claims outside of Lakeland?
Yes — we cover all of Polk County and the surrounding area, including Winter Haven, Plant City, Auburndale, Bartow, Mulberry, Lake Wales, Haines City, Davenport, Polk City, Kathleen, and Highland City.
Get a free, honest read on your claim
Ten minutes on the phone and we'll tell you whether it's worth pursuing — no pressure, no obligation, and no fee unless you recover.