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
- Every firm on this list holds a valid Florida DFS public adjusting firm license; the number is shown for each so you can look it up yourself.
- Florida caps a public adjuster’s fee at 10% for claims from a Governor-declared emergency during the year after the declaration, and 20% otherwise, with no fee on the deductible (s. 626.854(11)).
- A claim or reopened claim must be noticed to your insurer within 1 year of the date of loss; a supplemental claim within 18 months (s. 627.70132).
- On residential and condo unit owner policies you can cancel a public adjuster contract without penalty within 10 days of signing (longer after a declared emergency).
- Pick for fit: the region the firm works, the claim type it publishes on, and how it documents a loss.
Florida has hundreds of licensed public adjusters, and most homeowners meet their first one on a doorstep or in a mailbox the week after a storm. That is the worst time to compare them. This guide does the comparison ahead of time: eight licensed Florida public adjusting firms, where each one works, what kinds of claims each one says it handles, and the firm license number you can check in under a minute.
A public adjuster is a licensed professional who represents the policyholder, not the insurer, in preparing, presenting and negotiating a property insurance claim, and is paid a percentage of what the claim recovers. Florida regulates that job closely in s. 626.854 and s. 626.8796. We explain the rules that matter most after the list, because they apply to every firm here, including ours.
If your question is about one kind of loss, go straight to the list built for it: hurricane claims, water damage, fire damage, mold, condo associations and HOAs, commercial property and large-loss claims.
| Firm | Base | FL firm license | Good fit for |
|---|---|---|---|
| Adjusterman LLC | Oakland Park (Broward) | W913130 | Statewide residential and commercial claims |
| Fraser Property & Adjusting | North Miami Beach | W810802 | Miami-Dade owners, residential or commercial |
| Florida’s Best Public Adjusters | Boca Raton | W805951 | Spanish or French speakers; multi-office reach |
| VIP Adjusting | Fort Pierce | W805626 | Treasure Coast to Panhandle; condo unit owners |
| Your Public Adjuster | DeLand | W807105 | Central Florida; commercial and public entities |
| Tutwiler & Associates | Tampa | W840088 | Tampa Bay; condo associations and apartments |
| River City Claims | St. Augustine | W805288 | Northeast Florida; multifamily and office |
| Noble Public Adjusting Group | Panama City Beach | W805648 | Panhandle; homes and businesses |
How we chose
Every firm had to meet five tests. First, 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 adjuster’s number, since a few firm websites print the latter). Second, published service pages for the kinds of claims Florida owners actually file. Third, a stated way of documenting a loss. Fourth, a Florida office or a clear Florida service area. Fifth, fee terms that a policyholder can confirm in the contract.
Adjusterman LLC publishes this guide and is listed first. The other seven firms are grouped by region, from South Florida up the Atlantic coast, across Central Florida and the Gulf coast, then north to Jacksonville and the Panhandle, and are otherwise in no particular order. Nothing about their position implies a ranking among them. Each entry uses only facts from the firm’s own website and its DFS record. We did not use review counts, awards or dollars-recovered claims for anyone.
The rankings
1. Adjusterman LLC
Best for: Statewide, any property type
- HQ
- Oakland Park, FL
- FL firm license
- W913130
- Licensed PA
- Michael Klavan, P151443
- Fee
- Contingency: no fee unless there is a recovery
Adjusterman represents policyholders across Florida from its office in Oakland Park, Broward County, and has held its public adjusting firm license since 2022. The firm handles homes and condo units as well as commercial property, condominium associations, HOAs, multifamily, hotels and marine claims, for every common peril from hurricane and water to fire, mold and sinkhole.
Every loss is documented with aerial drones, thermal imaging and 3D capture, so the estimate rests on measured evidence rather than a walk-through. Claims get a 24/7 response, and the first step is a free claim review that tells you whether you have covered damage worth pursuing before you sign anything.
Fees are contingent: no fee unless there is a recovery, and always within the Florida caps described below. See how the process works from first call to final payment.
Consider Adjusterman if you want one licensed firm that documents with drones, thermal imaging and 3D capture and works anywhere in Florida.
adjustermanllc.com2. Fraser Property & Adjusting
Best for: Miami-Dade residential and commercial
- Office
- 16375 NE 18th Ave, Suite 201, North Miami Beach
- FL firm license
- W810802
- Founded
- October 2009, per its site
Fraser Property & Adjusting works from a North Miami Beach office and says it represents Florida residential and commercial property owners. Its site says the firm was founded in October 2009 by Aryeh Fraser, and it prints its Florida firm license number.
To confirm fit, describe your loss when you call and ask who at the firm would handle it.
Consider Fraser if you are in northern Miami-Dade and want a locally based firm.
fraseradjusters.com3. Florida’s Best Public Adjusters
Best for: Multilingual service, many offices
- HQ
- Boca Raton, FL
- FL firm license
- W805951
- Offices
- Boca Raton, Fort Lauderdale, Fort Myers, Orlando, Tallahassee, Tampa, Jacksonville
- Languages
- English, Spanish, French
Florida’s Best lists seven offices from Boca Raton to Jacksonville and says it serves all of Florida. Its site advertises Spanish and French service (“Hablamos Español”, “Nous Parlons Français”) and says it is available 24/7.
It publishes pages for hail and storm, water, smoke and fire, mold and business interruption claims, and says it has served commercial and residential clients since 2012.
Consider Florida’s Best if you want to handle your claim in Spanish or French.
flbestpublicadjusters.com4. VIP Adjusting
Best for: Treasure Coast, condo unit owners
- HQ
- Fort Pierce, FL
- FL firm license
- W805626
- Florida offices
- Fort Pierce, Jupiter, St. Petersburg, Panama City
VIP Adjusting runs four Florida offices, from Fort Pierce and Jupiter to St. Petersburg and Panama City, and describes itself as licensed public adjusters and a licensed building contractor. It lists 3D Matterport scans, infrared thermal imaging and drone roof inspections.
Its condo claims section covers both unit owners and associations, and it publishes pages for hurricane and windstorm, roof leak, fire and smoke, mold and business interruption claims. It lists a 24/7 phone line.
Consider VIP if you are on the Treasure Coast or own a condo unit.
vipadjusting.com5. Your Public Adjuster
Best for: Central Florida commercial and public entities
- HQ
- DeLand, FL (per DFS record)
- FL firm license
- W807105
- Service area
- Florida, Georgia and South Carolina
Your Public Adjuster is licensed from DeLand and lists service areas across Florida, from Tallahassee and Jacksonville to Fort Myers and Miami, plus Georgia and South Carolina. Its DFS firm record lists a DeLand address.
Its commercial page lists condominium and homeowners associations, retail, hotels and restaurants, apartments, warehouses, office towers and medical facilities, and it publishes a page for municipalities and government entities and one for loss of business income.
Consider Your Public Adjuster if you manage a commercial or public property in Central Florida.
yourpublicadjuster.us6. Tutwiler & Associates Public Adjusters
Best for: Tampa Bay; associations and apartments
- Executive office
- 4300 W. Cypress St., Tampa
- FL firm license
- W840088
- Florida offices
- Tampa, Orlando, Palm City
- Founded
- 1984, per its site
Tutwiler describes itself as a Florida-based national public adjusting firm founded in 1984, with Florida offices in Tampa, Orlando and Palm City and licenses in Florida plus 16 other states and the U.S. Virgin Islands.
It publishes pages for condominium associations, apartment complexes, large loss claims and business interruption, lists a phone line answered 24 hours a day, and also offers property insurance appraisal and umpire services.
Consider Tutwiler if you run an association or apartment property on the Gulf coast.
publicadjuster.com7. River City Claims
Best for: Northeast Florida; multifamily and office
- Office
- 101 East Town Place, Suite 140, St. Augustine
- FL firm license
- W805288
- Also licensed
- Georgia and New Jersey, per its site
River City Claims works throughout Florida with a Jacksonville-area focus from its St. Augustine office. It publishes a condo claims page and pages for hospitality, industrial and warehouse, multifamily and office claims.
Its commercial page says inspections use moisture detection and drone imaging, and its fire page mentions thermal imaging.
Consider River City if your property is in St. Johns, Duval or nearby counties.
rivercityclaims.com8. Noble Public Adjusting Group
Best for: Panhandle homes and businesses
- HQ
- Panama City Beach, FL (per DFS record)
- FL firm license
- W805648
- Florida location pages
- Jacksonville, Orlando, Tampa
Noble Public Adjusting Group is licensed from Panama City Beach, according to its DFS record, and publishes Florida location pages for Jacksonville, Orlando and Tampa. Its about page says it represents homeowners, businesses and condominium associations.
It publishes hurricane, fire, residential and commercial claim pages; the commercial page covers business interruption. Its staff page says its adjusters hold licenses in multiple states.
Consider Noble if you are in the Panhandle and want a firm licensed from Bay County.
noblepagroup.com
How to check any public adjuster’s license
Before you sign, search both the adjuster and the firm on the Florida DFS licensee search. Search by name or license number, and confirm three things: the license is valid, the license type matches (an individual public adjuster, or a public adjusting firm), and the name on the record matches the name on your contract. Florida requires the contract itself to show the adjuster’s and the firm’s full names and license numbers (s. 626.8796).
Firm licenses issued since 2023 start with G rather than W, so a G number is normal. A W or P number printed on a website may belong to an individual adjuster rather than the firm; either can be valid, but look up both.
What Florida lets a public adjuster charge
- Claims from an event under a Governor’s state of emergency declaration: no more than 10% of claim payments, for claims made during the year after the declaration (s. 626.854(11)(b)1.).
- All other claims: no more than 20% (s. 626.854(11)(b)2.).
- Reopened or supplemental claims: a fee only on new money obtained after the contract, capped at 20% (s. 626.854(11)(a)).
- Nothing on the deductible, and 0% on any coverage part the insurer paid or agreed in writing to pay before you signed (s. 626.854(11)(b)4. and (c)).
On a residential or condo unit owner policy you may cancel without penalty within 10 days after signing; after a declared emergency, within 30 days after the date of loss or 10 days after signing, whichever is longer (s. 626.854(7)). The adjuster must also deliver an itemized written estimate within 60 days of the contract (s. 626.854(12)).
What a public adjuster can and cannot do
A public adjuster can inspect and document your loss, read your policy against it, prepare the estimate and claim package, and negotiate with the insurer on your behalf. A public adjuster may not give legal advice and may not act on a claim for bodily injury (s. 626.854(3)). A public adjuster may not take part in repairs or hold a stake in a repair or salvage business tied to your claim (s. 626.8795). If your claim heads to litigation, you need a Florida attorney.
Deadlines that apply no matter who you hire
Florida bars a claim or reopened claim unless the insurer got notice within 1 year after the date of loss, and a supplemental claim unless notice came within 18 months (s. 627.70132(2)). Once the insurer has notice of a residential claim, it must pay or deny it, in whole or in part, within 60 days, unless factors beyond its control apply (s. 627.70131(7)(a)). For residential disputes, the free DFS mediation program is available before appraisal or a lawsuit (s. 627.7015).
Questions to ask on the first call
Ask who will actually inspect and negotiate your claim, what percentage they charge for your type of claim, what the fee is calculated on, how they will document the loss and how they will keep you updated. Our list of 12 questions to ask before hiring a public adjuster covers each one with the statute that answers it.
Be wary of anyone who offers a gift or cash to sign, suggests that filing cannot hurt you, or invites you to file for damage without first checking whether it is covered. Florida treats each of those as prohibited conduct for a public adjuster (s. 626.854(8), (9) and (10)).
Frequently asked questions
How do I find a licensed public adjuster in Florida?
Search the adjuster’s or firm’s name or license number on the Florida DFS licensee search at licenseesearch.fldfs.com and confirm the license is valid and matches the name on your contract. Every firm on this list shows its DFS firm license number.
How much does a public adjuster charge in Florida?
On residential and condo unit owner policies, Florida caps the fee at 10% of claim payments for claims tied to a Governor-declared emergency during the year after the declaration and 20% otherwise. Reopened or supplemental claims are capped at 20% of new money, and no fee may be charged on the deductible.
How long do I have to file a property insurance claim in Florida?
Notice of a claim or reopened claim must reach the insurer within 1 year after the date of loss, and notice of a supplemental claim within 18 months, under s. 627.70132.
Can I cancel a public adjuster contract?
Yes. On a residential or condo unit owner policy you can cancel without penalty within 10 days after signing, or after a declared emergency within 30 days after the date of loss or 10 days after signing, whichever is longer.
Can a public adjuster give legal advice?
No. Florida law bars public adjusters from giving legal advice and from handling bodily injury claims. For a lawsuit, you need a Florida attorney.
Why is Adjusterman listed first?
Adjusterman LLC publishes this guide and lists itself first. The other firms are grouped by region in no particular order, using facts from their own websites and the DFS license search. None paid to be included.
Related guides
Sources
- Fla. Stat. s. 626.854 (2026), “Public adjuster” defined; prohibitions
- Fla. Stat. s. 626.8796 (2026), Public adjuster contracts; disclosure statement; fraud statement
- Fla. Stat. s. 626.8795 (2026), Public adjusters; prohibition of conflict of interest
- 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 licensee search
- Fraser Property & Adjusting
- Florida’s Best Public Adjusters, contact and offices
- VIP Adjusting, about
- Your Public Adjuster, about
- Tutwiler & Associates, about
- River City Claims, commercial claims
- Noble Public Adjusting Group, about
Adjusterman LLC, FL DFS Public Adjusting Firm License #W913130 · Michael Klavan, FL DFS Public Adjuster License #P151443. Public adjusters do not provide legal advice.