After a hurricane, a burst pipe or a fire, the insurance company sends someone to protect its interests. We are licensed public adjusters who work only for you, the policyholder, to document your loss and pursue every dollar your policy owes.
No upfront cost. We're paid only from your claim, under a written contract.
Homes, condos, rental properties and businesses. Whether you're filing a new claim, were paid too little, or were denied outright, we take over the paperwork, the inspections and the negotiating.
Water and roof claims are among the most disputed in Florida. We document the cause and the full extent of damage before anything is torn out.
When a storm hits, carriers are overwhelmed and claims get rushed. We move quickly, protect your deadlines and make sure the hurricane deductible is applied correctly.
We know how carriers evaluate claims because we've seen it from the inside. If your settlement doesn't match your damage, we challenge it with evidence.
Commercial losses bring inventory, equipment and lost income into the claim. We account for all of it so your business can reopen.
Tell us what happened. We review your policy and your situation at no cost.
We photograph, measure and record every area of damage and its cause.
We prepare a detailed estimate and inventory, and file it with your carrier.
We meet the company adjuster, answer their requests and push back on low offers.
Once the claim settles, our fee comes out of the payment. Nothing before.
Our fee is a percentage of the claim payment we help you obtain, set out in a written contract you sign before we start. Florida law caps what any public adjuster can charge on a residential claim.
America's Public Insurance Adjusters is a Florida public adjusting firm led by Joseph Patrick Crotty. Our adjusters have handled residential and commercial property claims for years, including on the carrier side, so we know how claims are evaluated and where they get shortchanged.
We check every adjuster's work before it goes to your insurer. The goal is simple: a claim that is complete, well documented and hard to argue with, and a client who understands what is happening at every step.
No. There are no upfront costs. Our fee is a percentage of the claim payment and is only due once your insurer pays.
Often it isn't. Florida allows reopened and supplemental claims within set deadlines, and we can review a denial or a low payment to see whether it holds up. Because those deadlines are strict, call as soon as you can.
Yes. Hiring us doesn't cut you off from your insurer. We handle the communication and negotiation so you don't have to, but you're always free to speak with them.
Yes. We represent businesses, landlords and condominium associations as well as homeowners, including business interruption and contents losses.
Make sure everyone is safe, take photos and video of everything, and make temporary repairs to prevent more damage, such as tarping a roof or shutting off the water. Keep your receipts, and hold off on throwing out damaged items until they're documented. Then call us.
Tell us what happened and we'll explain your options, at no cost and with no obligation. The sooner you call, the easier it is to protect your claim and your deadlines.
We're growing. Licensed Florida public adjusters and apprentices, we'd like to hear from you.
