Florida Public Adjusters
Who Work for You,
Not the Insurance Company
No Recovery, No Fee | Free Review
If your public insurance claim has been denied, delayed, or underpaid, you need a dedicated Florida public adjuster who understands how to navigate the complex claims process.
Trident Public Adjusting Group provides expert representation for homeowners, condo associations, and commercial property owners, ensuring your interests come before the insurance company’s profits. Our licensed public adjusters in Florida conduct independent damage assessments, document every dollar of covered loss, and negotiate directly with the insurance adjuster in Florida to help secure the maximum compensation for your water damage, fire, or hurricane claim.
FREE CLAIMS ASSISTANCE
Hurricane Isaias Damage? We're Here to Help.
Hurricane Isaias left homeowners and businesses dealing with property damage, costly repairs, and complicated insurance claims. If your property was affected, you may still have questions about your coverage, settlement, or what steps to take next.
We've put together a dedicated Hurricane Isaias resource page to help property owners understand their options, navigate the insurance claims process, and learn how Trident Public Adjusting Group can help you fight for the settlement you deserve.
Insurance policies are complex legal contracts. Coverage is often broader than what policyholders realize. But unless damage is properly documented and presented correctly, it may never be fully paid. Many policyholders accept the first offer from the carrier. Months later they discover:
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- Structural was overlooked
- Mold damage claims were excluded due to improper documentation
- Code upgrades were ignored
- Business interruption was under-calculated
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That is where our team makes the difference.
An independent insurance adjuster in Florida working for the carrier protects the insurer. With more than 30+ years of combined experience handling FL claims and major carriers, we builds comprehensive documentation packages that support a positive outcome under your policy.
What We Handle are Residential, Condo & Commercial Claims
Every claim is different, but our approach is consistent:
> Rapid Inspection
> Thorough Documentation
> Fierce Negotiation
So you can get back to normal faster!
We Provide Florida Claim Services Statewide
Water & Plumbing Leaks Claims
Hidden moisture, slab and supply line breaks, appliance failures. We document all resulting damage, including mold risk, so it isn’t dismissed as “wear and tear.” No Recovery, No Fee.
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- Supply line failures
- Slab leaks
- Appliance overflows
- AC line backups
- Shower pan failures
- Pipe bursts
Roof Leaks & Wind Claims
From missing shingles to compromised underlayment and interior staining, we tie damage to covered wind/storm events and push for full scope (repair or replacement) when justified.
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- Missing shingles
- Tile displacement
- Underlayment compromise
- Flat membrane damage
- Wind uplift
- Interior staining tied to roof failure
Mold Claims
We build the connection between the water event and moisture intrusion. Then document remediation needs and safety precautions, so caps and exclusions do not purely define mold damage outcome.
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- Causation
- Moisture migration
- Remediation protocols
- Containment requirements
- Air quality considerations
- Hidden moisture intrusion
Fire & Smoke Claims
For commercial and residential fire claims, damage often goes beyond what is immediately visible. Our team documents the full scope of the loss. Direct and secondary smoke impact, structural charring, and contents inventory. We capture everything so budgets reflect the real cost.
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- Structural fire damage
- Smoke infiltration
- Soot contamination
- HVAC system contamination
- Content inventory documentation
- Code-required upgrades
- Electrical system damage
Hurricane & Tropical Storm Claims
High winds, rain, uplift, and water intrusion after a Hurricane or Tropical Storm? We inspect the damage, coordinate inspections, address code upgrades and help ensure your claim is properly documented so you receive the compensation your policy provides.
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- Hurricane damage
- Storm surge disputes
- Wind-driven rain intrusion
- Structural movement
- Window and door failures
- Exterior envelope compromise
- Roof uplift and shingle loss
Storm Damage Claims
From localized hail events to severe thunderstorms, we identify roof uplift and window seal failures that insurance adjusters often overlook. We ensure your storm damage includes the full cost of restoration, including debris removal and emergency tarping services.
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- Roof uplift and shingle displacement
- Leaks
- Window and door seal failures
- Hail impact on soft metals and HVAC units
- Exterior siding and stucco breach
- Emergency mitigation and tarping costs
- Debris removal and site cleanup
Vandalism or Theft Claims
Recovering from a break-in or property damage requires meticulous documentation of stolen assets and forced-entry repairs. Specializing in valuing to validate your vandalism or theft claim. We will maximize your payout.
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- Forced entry structural repairs
- Stolen contents inventory and valuation
- Security system and surveillance damage
- Graffiti removal and specialized cleaning
- Glass and storefront breach
- Temporary board-up and site securing
Denied or Underpaid Claims
Bring us in to reopen or supplement. We’ll reassess and present new evidence to reopen a denied claim, then push back on low offers with a fully supported estimate and documentation package.
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- Forensic policy and estimates
- Supplemental Xactimate estimating
- Omitted line item identification
- Re-opening of closed claims
- Appraisal and mediation representation
- Bad faith documentation and evidence gathering
Business Interruption & Loss of Use
For businesses and rental property owners, we quantify lost income, continuing expenses, and extra expenses so the total reflects the full period of restoration. Nothing is overlooked in the claim.
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- Lost income
- Continuing operating expenses
- Extra expenses
- Period of restoration impacts
- Rental income loss
- Business interruption coverage documentation
The "Proven Results" Approach
Navigating the entire claims process can be overwhelming, especially when dealing with insurance companies that prioritize their own interests over your recovery. Whether you are facing a new loss or have discovered that your initial settlement was insufficient, we handle all types of claims to ensure no detail is overlooked. If you’ve already received a payment that doesn't cover your repairs, we can often reopen to secure the additional funds necessary to restore your property. To maximize your insurance claim we go through these steps:
Step 1: Damage Review & Policy Evaluation
We begin with a comprehensive on-site inspection and a deep-dive of your specific insurance policy language. Our team identifies hidden coverage opportunities and potential "red flag" exclusions that could jeopardize your payout. This initial phase ensures we build a roadmap for your claim with zero upfront obligation to you.
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- Comprehensive site inspection
- Policy language analysis
- Strategic claim roadmapping
Step 2: Documentation & Detailed Estimate
A strong Florida insurance claim is built on undeniable evidence rather than just opinions. We utilize industry-standard technology to capture moisture readings, thermal imaging, and high-resolution photo documentation of entire property. Our team then generates an itemized, contractor-grade estimate that reflects the real-world cost of FL construction.
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- Thermal and moisture mapping
- Itemized Xactimate estimates
- Expert forensic documentation
Step 3: Filing & Inspection Coordination
Once the evidence is gathered, we take over all direct communication with your insurance carrier to ensure the paperwork is filed correctly from day one. We personally attend every meeting with the insurance company's adjuster to defend our findings and protect your interests. You no longer have to worry about missed phone calls or confusing paperwork from your carrier.
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- Direct carrier communication
- On-site inspection representation
- Evidence and form submission
- File an insurance claim
Step 4: Aggressive Negotiation
We go head-to-head with insurance company representatives to push back against the low-ball offers and "wear and tear" denials common in Florida. Our adjusters leverage our technical documentation to justify every dollar of your repair or replacement costs. Our primary goal is to secure the fair payout allowed under the terms of your policy.
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- Counter-offer development
- Technical dispute resolution
- Maximum settlement advocacy
Step 5: Settlement & Final Review
Our job is not finished until the final check is in your hands and your property is ready for restoration. We double check the final approved scope of work to ensure no damage was missed during the negotiation phase. If additional "supplemental" damage is discovered during repairs, we remain available to reopen the claim the file and pursue further compensation.
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- Final scope verification
- Supplemental claim handling
- Post support
Why Trident Public Adjusting Group
If your home or business has been damaged, or if your claim was underpaid, we step in to negotiate directly with the insurance company to secure the maximum insurance claim available under your policy. We begin with a FREE consultation where our team thoroughly evaluates your property to identify both obvious damage and the hidden structural issues that carrier adjusters often ignore. From there, we handle the entire documentation process and submit all required forensic evidence on your behalf, ensuring your file is bulletproof.
We work exclusively for you, not the insurance company. Our experienced team guides you through every technical step of the process, protecting your financial interests from the initial inspection to the final check. Our clients call us Florida’s best public adjuster because we take the time to document the details that other firms miss, ensuring no part of your loss is overlooked.
We work for you, not the insurer:
As a public claims adjuster, we represent policyholders, not carriers. Your recovery is our only focus. Throughout the claims process we will be in communication with you.
Local expertise, 24/7:
We understand construction, storm patterns, storm behavior, and policy language inside and out and we are available around the clock whenever damage strikes. We work around town, with local understanding.
No Recovery, No Fee:
There are no upfront costs. If we don’t recover money for you, you owe us nothing. Simple.
Documentation that holds up:
From moisture mapping to contents inventories and contractor‑grade estimates, we build comprehensive files that justify full repair scopes.
We work for you, not the insurer:
As a public claims adjuster, we represent policyholders, not insurance corporations. Your recovery is our only focus. Throughout the claims process we will be in communication with you 24/7. Call 305 939‑4242 for a FREE review.
What Our Clients Are Saying
Dedication & Attention
Thank You
"Their dedication and attention to detail really set them apart. I wouldn’t use anyone else and highly recommend them. Thank you Tony, Emily, and the rest of your team for all your assistance, you are an amazing team! Keep it up!!!”
- Lesly G., Brickell ⭐⭐⭐⭐⭐
Experience Felt Real Easy
professional & welcoming
"Location is very professional and welcoming, first time dealing with an adjuster as a first time homeowner and making a claim through my insurance company. The steps were made real easy for me to understand and the experience felt real easy and simple even though I know it’s a complicated process behind the scene. Thank you Trident Public Adjusting Group!”
- Ismael G., Doral ⭐⭐⭐⭐⭐
Great service
Very very satisfied
Great service. On point and always available. Every phone call, email and text answered promptly and at the end they delivered. Very very satisfied and happily recommend to anyone at anytime.
- Pedro G., Coconut Grove ⭐⭐⭐⭐⭐
smoothly & efficient
highly recommend
I've used Trident 2 times for a claim and both times the claim process went very smoothly and efficient. They are very professional and knowledgeable at what they do. I would highly recommend this company, you wont regret it.
- Luis T., Sunset ⭐⭐⭐⭐⭐
cares about educating
guidance on insurance
They will be in business forever! Want to know why? They’re the only company who actually cares about educating their clients on the entire property insurance claims process. I never felt rushed or like it was business. They actually educated me on the policy I have, what it covers and guidance on coverage for the future. It’s like they weren’t working for me, they were working WITH me!
- Nicole F., Miami ⭐⭐⭐⭐⭐
things went smoothly
call them again
Had Trident help me in a small fire loss at my moms house and things went smoothly and results were better than anticipated. Would definitely call them again any time I or a family member has to deal with a claim or the insurance company.
- Emily C., Fort Lauderdale ⭐⭐⭐⭐⭐
Questions to Ask Before Working
with a Public Adjuster in Florida
When interviewing, ask about their experience with similar property damage claims in Florida. Inquire about their familiarity with different home policies and their negotiation strategies. Ask for references from previous clients and clarify their fee structure. Understanding their approach and commitment to maximizing your property claim or commercial claim settlement is essential before hiring.
Will you handle communication with my insurance company?
Yes, our public adjusters manage all correspondence, inspections, and negotiations directly with your carrier to ensure a stress-free process. We act as your dedicated representative to push for a fair and timely payout.
How do you charge for public adjusting services?
We operate on a contingency basis, meaning there are no upfront costs and if we do not recover, there is no fee. Our fee is a small percentage of the final insurance payout, so we only get paid when you do.
Are you a licensed public adjuster in Florida?
Yes, we are fully licensed Florida public adjusters authorized by the Department of Financial Services to represent policyholders in Florida, Georgia, North Carolina. We strictly adhere to state statutes to protect your rights during the insurance process.
Can I hire a public adjuster after already filing a claim?
Absolutely; many Florida homeowners hire us after receiving a low-ball offer or experiencing claim delays. We provide you all thee info to determine if your insurance company underpaid your damages.
Can you help if my Florida insurance claim was denied or underpaid?
Yes, we specialize in reopening denied or underpaid claims by providing new evidence and professional documentation to support a larger payout. Our team identifies missed damages to ensure you receive every dollar you are owed under your policy.
Can you help with appraisal insurance claim disputes?
Yes, if you and your insurer cannot agree on the amount of loss, we can represent you throughout the formal process. We act as your expert appraiser to resolve disputes and secure an equitable outcome.
Will hiring a public adjuster increase my claim settlement?
While every case varies we ensure all covered hurricane, water, or fire damage is professionally documented and valued. Statistics show 747% higher (gross before payment of fees) \ that professionally represented claims result in significantly higher payouts than those handled alone.
For the complete report: www.oppaga.state.fl.us/MonitorDocs/Reports/pdf/1006rpt.pdf
What documents do I need to provide for my claim?
Initially, we only need your policy declarations page, any existing repair estimates, and prior correspondence from your insurer. From there, our team handles all detailed inspections and technical documentation on your behalf.
How long does the public insurance adjuster process take?
Claim timelines depend on the complexity of the damage and your carrier’s responsiveness, but we work to eliminate unnecessary delays. Our priority is to expedite while ensuring no damage is overlooked.
Do you handle condo and HOA insurance claims?
Yes, we represent individual condo unit owners and coordinate with Homeowners Associations (HOAs) for building-wide damage. We understand the complex "master policy" structures unique to Florida coastal properties.
What We Do Differently… And Why It Matters!
Expert public adjusters in Florida make the same promises: no upfront costs, free inspections, and only getting paid when you do. That’s the baseline. We go further to reach a fair outcome. Here’s how we do all that but more transparently, more assertively, and more client-centric for denied or underpaid insurance claims:
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- Zero Out-of-pocket Cost: You don’t pay unless we win.
- Damage Assessment: We jump in as soon as you call.
- Local Expertise: We know Miami, Fort Lauderdale, Broward and Palm Beach building norms, hurricane protocols, and insurer tricks.
- Broad Coverage Knowledge: From residential to commercial, from fire, mold, hail, wind, sinkhole to vandalism.
- Aggressive Negotiation & Appeal: We don’t settle for “just enough.”
- Full Transparency & Client Collaboration: You see every line item, every estimate, every backed report.
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Recent Wins & Case Snapshots
Claim Major House Fire: Miami, FL = Final Settlement: $245,730.00
Initial Offer: $57,300.00
Scope: Structural charring remediation, thermal fogging for smoke, soot particular cleaning, HVAC duct decontamination, and total contents inventory.
Claim Hurricane Wind: Jacksonville, FL = Final Settlement: $26,443.47
Initial Offer: $6,457.91
Scope: Full roof system replacement, impact glazing, perimeter sealants, Florida building code upgrades, and lost rental income.
Claim Flood & Mold Remediation: Homosassa, FL = Final Settlement: $171,071.21
Initial Offer: $53,140.91
Scope: Flood claim had hydrostatic pressure damage, industrial dehumidification, mold spore air-scrubbing, baseboard replacement, and moisture barrier installation.
Claim Kitchen Supply Line: Tallahassee, FL = Final Settlement: $22,975.00
Initial Offer: $6,457.91
Scope: Full roof system replacement, impact glazing, perimeter sealants, Florida building code upgrades, and lost rental income.
Claim Commercial Building Theft: Miami, FL = Final Settlement: $49,361.00
Initial Offer: $6,154.31
Scope: Forced entry structural repair, security system destruction, business personal property (BPP), high-value equipment valuation, and glass storefront replacement.
Areas We Serve in Florida
We handle property damage insurance claims throughout the entire state of Florida. No matter where your property is located from the Big Bend to the entire South Florida, our team manages the documentation, inspections, negotiations, and carrier communication from start to finish. We understand Florida policies, hurricane risk, water damage, damage disputes, and the tactics insurance carriers use. Whether you are in a major metro area or a smaller community, we represent policyholders statewide and guide your property claim through every step of the process.
- Miami
- Tampa
- St. Petersburg
- Port St. Lucie
- Fort Lauderdale
- Pembroke Pines
- Cape Coral
- Orlando
- Hialeah
- Tallahassee
- Gainesville
- Jacksonville
All Claims Welcomed
We Are Florida Public Adjusters Representing You
“FREE” One on One - No Obligation Consultation! We will come to your home or business and provide a inspection. Claims can be complex when your claim is stalled or denied, we’re here 24/7. Call 305-939‑4242 or fill out the form to speak with one of our professional claim adjusters today to begin your paperwork!
