Adjusterman LLC publishes this guide and ranks itself first. The other firms are listed on facts from their own websites and the Florida DFS license search; none paid to be included.
Updated September 23, 2026
Key takeaways
- A coinsurance clause can cut a commercial payment even when the loss is small. Under the standard ISO form, an 80% clause on a $250,000 building insured for $100,000 turns a $40,000 loss into a $19,750 payment.
- Business interruption coverage is not required by Florida law, and lost income without direct physical damage to insured property is generally not covered, according to the Florida DFS.
- The state mediation program in s. 627.7015 does not apply to commercial coverages, so appraisal, negotiation or suit are the usual routes when a business claim is disputed.
- The public adjuster fee caps in s. 626.854(11) apply by statute to residential and condo unit owner policies (s. 626.854(19)). On a commercial policy, the fee is whatever the contract says.
A business owner’s property claim is rarely just a roof or a flooded floor. It is the building, the inventory and equipment, the income lost while the doors were closed, and the extra money spent to stay open. Each part is priced under a different section of the policy, and commercial policies are built from far more forms and endorsements than a homeowners policy.
This guide lists seven licensed Florida public adjusting firms that publish commercial claim work, starting with ours, and then walks through the policy mechanics that most often decide what a business recovers. For our own service pages, see commercial property claims and business interruption claims.
| Firm | Base | FL firm license | Commercial work it publishes |
|---|---|---|---|
| Adjusterman LLC | Oakland Park (Broward) | W913130 | Office, retail, hotel, industrial, multifamily, BI |
| United Claims Specialists | Miami | W806268 | Commercial public adjuster page |
| On The Mark Claim Adjusting | Fort Lauderdale | G041483 | Business interruption, associations, marine, aviation |
| Global Patriot Adjusters | West Palm Beach | W811924 | Commercial, business interruption, large vessels |
| Your Public Adjuster | DeLand | W807105 | Retail, hotels, warehouses, offices, public entities |
| Prime Adjustments | Tampa | G032180 | Hotel, shopping center, multifamily, BI |
| Noble Public Adjusting Group | Panama City Beach | W805648 | Businesses and condo associations; BI |
How we chose
Each firm had to meet five tests: an active Florida public adjusting firm license confirmed in the DFS licensee search on 23 September 2026 (we list the firm license, not an individual’s); a published commercial or business-income claim page; a stated way of documenting losses or handling disputes; a Florida office or clear Florida service area; and fee terms a business can confirm in the contract.
Adjusterman LLC publishes this guide and is listed first. The other six firms are grouped by region, from Miami up to Palm Beach, then Central Florida, Tampa Bay and the Panhandle, and are otherwise in no particular order. Each entry uses only facts from the firm’s own website and its DFS record.
The rankings
1. Adjusterman LLC
Best for: Any commercial property type, statewide
- HQ
- Oakland Park, FL
- FL firm license
- W913130
- Licensed PA
- Michael Klavan, P151443
- Fee
- Contingency: no fee unless there is a recovery
Adjusterman represents commercial owners across Florida from Oakland Park, Broward County, and has held its public adjusting firm license since 2022. It handles office buildings, retail and shopping centers, hotels, industrial and warehouse property, multifamily, business interruption and large-loss claims.
Losses are documented with aerial drones, thermal imaging and 3D capture, which gives the building side of the claim a measured record. Claims get a 24/7 response.
Fees are contingent: no fee unless there is a recovery. The first step is a free claim review that tells you whether the damage looks covered before you sign.
Consider Adjusterman if your business has more than one property type or location in Florida and you want one firm documenting all of it.
adjustermanllc.com2. United Claims Specialists
Best for: South Florida; multi-state owners
- Miami office
- 520 NW 165th St
- Boca Raton office
- 2255 Glades Rd
- FL firm license
- W806268
United Claims Specialists lists offices throughout Florida, including Miami and Boca Raton, plus New York and New Jersey. It publishes a commercial public adjuster page and prints its firm license number on its site.
Its mold page describes documenting losses with photos, thermal imaging and moisture meters.
Consider United Claims Specialists if your business also owns property in New York or New Jersey.
ucspa.com3. On The Mark Claim Adjusting
Best for: Specialty commercial; appraisal
- HQ
- Fort Lauderdale, FL
- FL firm license
- G041483
- Founder
- Mark Hobales, licensed public adjuster (per its site)
On The Mark lists commercial and specialty claims including business interruption, associations, marine and aviation. It works across Florida, from Key West to Tampa and Orlando, and says its adjusters are also licensed in Texas, Colorado and New York.
It says its team includes licensed appraisers and umpires, and it prints its Florida firm license number (a newer G-series number) on its site.
Consider On The Mark if your loss involves a vessel, aircraft or other specialty property alongside the building.
otmclaims.com4. Global Patriot Adjusters
Best for: Palm Beach; multilingual; marine
- Florida office
- 701 S Olive Ave #1028, West Palm Beach
- FL firm license
- W811924
- Languages
- English, Spanish, French
Global Patriot is a multi-state firm with a West Palm Beach office; its DFS firm record lists a New Hampshire business address. It publishes commercial and business interruption claim pages and a large vessel claims page, with Florida pages for Southeast and Southwest Florida, the Panhandle and the Keys.
It offers Spanish and French (“Se Habla Español”, “On Parle Francais”) and lists a 24/7 phone line.
Consider Global Patriot if you want to work in Spanish or French or have a marine loss with the building claim.
globalpatriotadjusters.com5. Your Public Adjuster
Best for: Central Florida; public entities
- HQ
- DeLand, FL (per DFS record)
- FL firm license
- W807105
- Service area
- Florida, Georgia, South Carolina
Your Public Adjuster’s commercial page lists condominium and homeowners associations, retail, hotels and restaurants, apartments, warehouses, office towers and medical facilities. It also publishes a page for municipalities and government entities and a loss of business income page.
Its DFS firm record lists a DeLand address. Its service-area list runs from Tallahassee and Jacksonville to Fort Myers and Miami.
Consider Your Public Adjuster if you manage a public or institutional property.
yourpublicadjuster.us6. Prime Adjustments
Best for: Tampa Bay hotels, retail, multifamily
- Florida office
- 610 E Zack Street, Tampa
- FL firm license
- G032180
- Licensed in
- 15 states plus DC, per its site
Prime Adjustments has a Florida office in Tampa (and one in Denver) and publishes commercial pages for hotel, shopping center, apartment and multifamily claims, plus a business interruption claims page.
Its site says it also represents policyholders in insurance appraisals.
Consider Prime Adjustments if you own hospitality or retail property in Tampa Bay or in other states.
primeadjustments.com7. Noble Public Adjusting Group
Best for: Panhandle and North Florida businesses
- HQ
- Panama City Beach, FL (per DFS record)
- FL firm license
- W805648
- Florida pages
- Jacksonville, Orlando, Tampa
Noble’s about page says it represents homeowners, businesses and condominium associations, and its commercial page covers business interruption. It publishes Florida location pages for Jacksonville, Orlando and Tampa.
Its staff page says its adjusters hold licenses in multiple states. Its DFS firm record lists a Panama City Beach address.
Consider Noble if your business is in the Panhandle.
noblepagroup.com
Start with the declarations page
The Florida DFS describes a commercial property policy as a declarations page plus one or more coverage forms, a causes-of-loss form (Basic, Broad or Special), a conditions form and endorsements. The declarations page lists the property, the limits, the deductible, the forms attached and the coinsurance percentage. Before anyone argues about the amount of a loss, read that page. It tells you which rules the claim will be adjusted under.
Also note who wrote the policy. The DFS explains that surplus lines insurers do not file their rates and forms with the Office of Insurance Regulation, and that they do not participate in the Florida Insurance Guaranty Association, so a surplus lines policy may carry exclusions and conditions you will not find in an admitted carrier’s form.
Coinsurance: the clause that shrinks payments
A coinsurance clause requires you to insure the property to a set percentage of its value. If you do not, the insurer pays only a proportion of the loss. In Florida, a coinsurance clause is allowed only if the policy face (or an attached form) carries the words “Coinsurance contract: The rate charged in this policy is based upon the use of the coinsurance clause attached to this policy, with the consent of the insured,” and the clause is clearly identifiable (s. 627.701(1)).
The standard ISO Building and Personal Property Coverage Form (CP 00 10) shows the arithmetic. Property worth $250,000, an 80% coinsurance percentage and a $100,000 limit means the minimum required is $200,000. The insurer divides $100,000 by $200,000 (0.50), applies that to a $40,000 loss ($20,000), and subtracts the $250 deductible: it pays $19,750, and the other $20,250 is yours. With a $200,000 limit on the same building, no penalty applies and the payment is $39,750.
Not every policy has the clause. Citizens Property Insurance told agents in 2021 that it was removing coinsurance and agreed-value options from its commercial forms because it requires 100% insurance to value for all commercial risks. Read your own form. When the clause is there, the property’s value at the time of loss becomes a disputed number, and it deserves the same documentation as the damage.
Business interruption: what triggers it and what it pays
The DFS answers the common questions plainly. Business interruption (business income) coverage is not mandatory under Florida law, so whether you have it depends on the forms your insurer filed. It can cover lost income and continuing expenses such as payroll while the business is closed. Extra expense coverage, often bought with it, pays costs beyond normal operating expenses to keep running, such as moving to a temporary location.
- No physical damage, generally no coverage. The DFS gives the example of a hotel that closed for a hurricane that then turned away: loss of income that did not result from direct physical damage to insured property is generally not covered.
- Civil authority coverage is common but limited. Most business interruption policies cover losses from civil authority orders, but the time may be limited and conditions may apply, such as a complete prohibition of access and physical damage close to your premises.
- Wind exclusions carry over. If the property policy excludes wind, the business interruption coverage is endorsed to exclude wind losses too.
- Options change the math. The DFS lists maximum period of indemnity, monthly limit of indemnity and agreed value options that delete or suspend the coinsurance clause on business income, plus endorsements for contingent business interruption, utility services and ordinance or law.
A business income claim is proved with records: prior years’ financial statements, payroll, sales and the expenses that continued. Start gathering them the week of the loss.
Deadlines and dispute routes on a commercial claim
Florida’s notice statute covers any property insurance policy, including surplus lines: notice within 1 year of the date of loss for a new or reopened claim, and within 18 months for a supplemental claim (s. 627.70132). The insurer’s 60-day pay-or-deny rule in s. 627.70131(7) reaches commercial property claims only where the insured structure is 10,000 square feet or less, and does not apply to policies covering nonresidential commercial structures in more than one state.
State-run mediation under s. 627.7015 “does not apply to commercial coverages.” When a commercial claim is disputed over amount, the policy’s appraisal clause is usually the next step; under the ISO form either side may demand it in writing, and the insurer keeps its right to deny the claim. See when to invoke the appraisal clause.
Fees on commercial claims
Section 626.854(11) caps public adjuster fees at 10% for claims from a Governor-declared emergency during the year after the declaration and 20% otherwise, with no fee on the deductible and none on money paid before the contract.
What a public adjuster does, and does not do
A public adjuster prepares, documents and negotiates your property and business income claim with the insurer. A public adjuster may not give legal advice and may not handle bodily injury claims (s. 626.854(3)), so injuries on your premises, contract disputes with tenants and litigation go to an attorney.
Before you sign
Look up the firm and the individual adjuster on the Florida DFS licensee search, and confirm the firm number is listed as a Public Adjusting Firm. Then work through our 12 questions to ask before hiring a public adjuster, adding these for a business claim: Who will build the business income calculation, and will an accountant be involved at your cost? How will the firm establish the property’s value for coinsurance? Which coverage parts will the fee apply to?
Frequently asked questions
What is a coinsurance penalty on a commercial property claim?
If your policy has a coinsurance clause and the property is insured below the required percentage of its value, the insurer pays only a proportion of the loss. In the ISO CP 00 10 example, a $250,000 building with an 80% clause and a $100,000 limit receives $19,750 on a $40,000 loss.
Does business interruption insurance pay if my business closed before a storm that missed us?
Generally no. The Florida DFS says there is generally no coverage for loss of income that did not result from direct physical damage to insured property. Civil authority coverage may apply in some cases, subject to its conditions and time limits.
Is Florida’s DFS mediation program available for commercial claims?
Not for commercial coverages. Section 627.7015 applies to personal lines and commercial residential policies and states that it does not apply to commercial coverages.
Do Florida’s public adjuster fee caps apply to commercial policies?
The 10% and 20% caps in s. 626.854(11) apply, by s. 626.854(19), to residential and condominium unit owner policies. On a commercial policy the fee is set by the contract, so negotiate it and get it in writing.
How long do I have to report a commercial property claim in Florida?
Notice of a new or reopened claim is due within 1 year after the date of loss and a supplemental claim within 18 months (s. 627.70132). Your policy may require prompt notice as well, so report as soon as you can.
Related guides
Sources
- Fla. Stat. s. 626.854 (2026), “Public adjuster” defined; prohibitions
- Fla. Stat. s. 627.701 (2026), Liability of insureds; coinsurance; deductibles
- Fla. Stat. s. 627.70132 (2026), Notice of property insurance claim
- Fla. Stat. s. 627.70131 (2026), Insurer’s duty to acknowledge communications regarding claims; investigation
- Fla. Stat. s. 627.7015 (2026), Alternative procedure for resolution of disputed property insurance claims
- Florida DFS, Commercial Property Insurance Overview
- Florida DFS, Commercial Insurance Coverage Disaster FAQs
- ISO Building and Personal Property Coverage Form CP 00 10 10 12 (sample, hosted on propertyinsurancecoveragelaw.com)
- Citizens Property Insurance Corporation, 2021 Rate, Rating Rules and Form Changes (commercial lines bulletin)
- Florida DFS licensee search
- United Claims Specialists, commercial public adjuster
- On The Mark Claim Adjusting
- Global Patriot Adjusters, commercial public adjusters
- Your Public Adjuster, commercial loss / loss of business income
- Prime Adjustments, commercial property insurance claims
- Noble Public Adjusting Group, commercial claims
Adjusterman LLC, FL DFS Public Adjusting Firm License #W913130 · Michael Klavan, FL DFS Public Adjuster License #P151443. Public adjusters do not provide legal advice.