Featured Recovery
Hurricane · Naples, FL · 2024
Initial denial citing pre-existing roof condition on a coastal single-family home.
Outcome
AG // FIELD REPORTAG // FIELD
REC ● 00:00.00
FIELD STATUS // CATEGORY 4 INTERCEPTLIVE
Ch. 01/CATASTROPHIC LOSS
Hurricane Claims
Protecting Florida property owners after catastrophic storm damage.
CHAPTER 01The Distinction
Three principles
Public adjusting is a profession of structure, evidence, and advocacy. AG Public Adjusting practices it as a firm — not as a personality, and not as a service of convenience.
Representation
Policyholders. Only.
The firm represents homeowners, businesses, and condominium associations. Not insurance carriers — by principle, not by policy.
Structure
A firm, not a freelancer.
Documented methodology, multi-disciplinary review, structured intake. Files move through a system — not a single individual.
Discipline
Document. Negotiate. Recover.
Investigate the loss, document the scope, negotiate the position, recover what the policy was written to pay. Always in that order.
CHAPTER 04Why Public Adjusters
Most policyholders never know
When damage occurs, the carrier sends their own adjuster. That adjuster works for the insurance company. A licensed public adjuster works exclusively for you — and the difference shows up in the final recovery.
CARRIER'S ADJUSTER
Insurance Company Adjuster
Sent by the carrier. Paid by the carrier.
Who they represent
The insurance carrier
Whose interest comes first
The carrier's loss ratio
Who pays them
The carrier
Scope of work
Estimate the loss per carrier guidelines
Authority on your file
Advisory — they work for the carrier
AG PUBLIC ADJUSTING
Licensed Public Adjuster
Hired by you. Working for you.
Who they represent
The policyholder
Whose interest comes first
Your full claim recovery
Who pays them
Contingency — only if you recover
Scope of work
Document, negotiate, recover
Authority on your file
Licensed to negotiate and settle
“A policyholder may retain a licensed public adjuster
at any stage of the claim — before, during, or after the carrier’s review.”
CHAPTER 05The AG Method
A five-stage system,
AG Public Adjusting operates the same disciplined sequence on every file. The method is what replaces personality — and what produces consistent recoveries.
Intake
Policy review, loss assessment, and engagement. The firm establishes scope and timeline before any contact with the carrier.
Investigation
On-site inspection, photographic documentation, sampling, and engineering coordination where the loss requires it.
Documentation
Scope of damage, line-item estimate, code-compliance review, and the evidentiary file supporting the claim.
Negotiation
Carrier presentation, supplements, re-inspections, and the structured back-and-forth that drives recovery.
Recovery
Settlement, payment release, and — when necessary — reopening procedures or referral to litigation counsel.
Intake
Policy review, loss assessment, and engagement. The firm establishes scope and timeline before any contact with the carrier.
Investigation
On-site inspection, photographic documentation, sampling, and engineering coordination where the loss requires it.
Documentation
Scope of damage, line-item estimate, code-compliance review, and the evidentiary file supporting the claim.
Negotiation
Carrier presentation, supplements, re-inspections, and the structured back-and-forth that drives recovery.
Recovery
Settlement, payment release, and — when necessary — reopening procedures or referral to litigation counsel.
The method is the firm. The firm is the method.
AG Public Adjusting · Operating Doctrine
CHAPTER 06By the Numbers
Data,
The firm publishes the figures that policyholders can verify — recovered dollars, files represented, and operating tenure. Marketing language is left out.
Verified · Anonymized · Florida Practice
01
Recovered for Policyholders
Across the firm's Florida practice.
02
Claims Represented
Residential · Commercial · Association.
03
Years of Florida Practice
Built on documented methodology, not personality.
04
Launch Markets — Statewide
Florida HQ · expanding across 33 U.S. states.
CHAPTER 07Claim Services
Every category,
Residential
Homeowners and single-family property claims handled with institutional rigor.
09 Services
Commercial
Business properties, retail, hospitality, and operational continuity.
02 Services
Condominium & HOA
Association-level representation for shared-property claims.
01 Service
Claim Recovery
Denied, underpaid, and closed claims reopened and re-negotiated.
03 Services
CHAPTER 08Florida Coverage
Five launch markets.
AG Public Adjusting operates across Florida with focus on the markets where policyholders most often need institutional-grade representation.
Phase 2 · Expansion
Fort Myers · Jacksonville · Miami · West Palm Beach · Fort Lauderdale
CHAPTER 09National Presence
One firm.
AG Public Adjusting maintains Florida headquarters with licensed reach across thirty-three U.S. states — built to represent policyholders wherever the loss occurs.
Florida Headquarters
30 Broadway · Kissimmee, FL
28.29° N · 81.41° W
01
U.S. States
Licensed coverage
02
Florida HQ
Kissimmee, FL
03
Policyholder Side
Never the carrier
04
Claims Intake
Year-round response
CHAPTER 10Representative Recoveries
Case outcomes,
Anonymized recoveries from the firm's Florida practice. Claim type, location, the challenge, and the outcome. No dramatic language.
Water Damage/ 2024
Tampa, FL
Carrier classified loss as long-term seepage, excluding it from coverage.
Outcome
Commercial Property/ 2023
Orlando, FL
Underpaid claim on a 28,000 sq. ft. retail center after a tropical storm.
Outcome
Condominium Association/ 2024
Sarasota, FL
Disputed scope between association and unit-owner responsibility after Hurricane Ian.
Outcome
Fire & Smoke/ 2024
Kissimmee, FL
Closed claim with under-documented contents and smoke contamination scope.
Outcome
Roof Damage/ 2024
Tampa, FL
Carrier authorized partial roof replacement; matching shingles unavailable.
Outcome
Past results do not guarantee future outcomes
CHAPTER 11Policyholder Resource Center
Educational authority,
FoundationsFeatured
What a Public Adjuster Actually Does
The role, the authority, and the boundaries of public adjusting as practiced under Florida law.
6 minFoundational
Claim Recovery02
Reading the Anatomy of a Denial Letter
How to decode carrier language, identify the actual basis for denial, and prepare a re-presentation file.
9 min
Florida Statutes03
Florida Hurricane Deductibles, Explained
Calendar-year deductibles, named-storm thresholds, and the math that determines what a policyholder owes.
7 min
Documentation04
Documenting Roof Damage Before the Adjuster Arrives
Photographic protocols, sample collection, and the evidentiary record that determines claim outcomes.
8 min
CHAPTER 12Licensing & Compliance
Trust is structural.
Florida
Public Adjuster Firm
License Number
Licensed Florida Public Adjuster Firm
Each engagement is executed under written contract aligned with Florida statute and Department of Financial Services standards.
01
Florida Licensing
AG Public Adjusting operates under a Florida Public Adjuster Firm license. All assigned adjusters are individually licensed and active in good standing.
02
Regulatory Compliance
Engagement contracts, fee structures, and timelines follow Florida Statute § 626.854. Documentation is built to withstand regulatory review.
03
Professional Standards
Continuing education, peer review of complex files, and a written methodology that governs every claim from intake to recovery.
04
Policyholder Representation
The firm represents the policyholder. The firm does not represent insurance carriers. This boundary is unconditional.
CHAPTER 13Begin Your Evaluation
Start the conversation.
Tell us about the property and the claim. The firm will review your file and recommend the appropriate next step. Engagement is contingency-based — no fee unless we recover.
Speak directly
(407) 201-7699
Licensed Florida Public Adjuster Firm
Step 1 / 04
What type of claim?
Select the cause of loss most relevant to your property.
No recovery · No fee · Confidential