Comprehensive Public Adjusting Services
From residential homeowners to commercial enterprises, municipal agencies, and trade professionals — we handle every type of property claim across Florida and Texas.
What Type of Damage?
Every claim starts with a covered peril. We document, quantify, and negotiate full replacement coverage for every type of property damage — from standard HO-3 perils to specialized DP-3 landlord coverages.
The 15 perils covered under standard HO-3 homeowner policies — the foundation of most property insurance claims.
Named Perils
The 15 perils covered under standard HO-3 homeowner policies — the foundation of most property insurance claims.
Hail Damage
Roof impact, siding damage, and structural compromise from storms and severe weather events.
Explore services →Wind Damage
Wind uplift, tear-off, and structural compromise from high-speed winds and gusts.
Explore services →Tornado Damage
Extreme wind vortex destruction, debris impact, and structural failure from tornado events.
Explore services →Hurricane Damage
Category-level wind, storm surge, and extreme weather damage from tropical cyclones.
Explore services →Fire & Smoke Damage
Structural fire, smoke contamination, soot damage, and firefighting water damage.
Explore services →Lightning Damage
Electrical surges, fire, equipment destruction, and power system damage.
Explore services →Explosion Damage
Gas explosions, boiler ruptures, and industrial incidents causing property damage.
Explore services →Aircraft & Vehicle Damage
Crashes, falling objects from aircraft, or vehicle strikes to structures.
Explore services →Falling Objects
Trees, debris, or structural collapse onto property from external sources.
Explore services →Vandalism & Malicious Mischief
Deliberate property damage to vacant properties, construction sites, and rental units.
Explore services →Riot & Civil Commotion
Property damage during civil unrest, protests, and community disturbances.
Explore services →Weight of Ice, Snow & Sleet
Roof collapses, ice dam damage, and structural overload from weather accumulation.
Explore services →Volcanic Eruption
Lava flow, ash fall, volcanic blast, and associated gas damage.
Explore services →Sinkhole Damage
Ground collapse, foundation shifts, and structural damage from sinkhole activity.
Explore services →Flood & Storm Surge
NFIP claims, flood intrusion, and storm surge property damage recovery.
Explore services →Water-Related
Separate endorsements and specific water damage scenarios that require specialized handling beyond standard coverage.
Water Damage (Burst Pipe)
Pipe bursts, appliance failures, leak damage, and hidden moisture intrusion behind walls.
Explore services →Sewer & Drain Backup
Wastewater backing up through drains, sump pumps, and floor drains into property.
Explore services →Sump Pump Failure
Basement flooding from sump pump malfunction, power outages, or mechanical failure.
Explore services →Backflow Water Damage
Reverse flow from municipal water lines into property plumbing systems.
Explore services →Mold & Fungal Growth
Post-water-damage contamination, black mold remediation, and long-term moisture issues.
Explore services →Freeze Pipe Damage
Burst pipes from freezing temperatures, frozen plumbing systems, and winter damage.
Explore services →Water Main Break
Municipal pipe failures causing property damage and water intrusion.
Explore services →Additional Coverages
HO-3 policy extensions that cover expenses and costs beyond direct property damage — often the most overlooked coverage areas.
Debris Removal
Costs to remove damaged property, trees, and debris after a covered loss.
Explore services →Fire Department Service Charge
Municipal fire department response costs for fire suppression and safety measures.
Explore services →Prevention of Loss
Reasonable expenses to protect property from further damage after a loss occurs.
Explore services →Loss of Use / ALE
Additional living expenses when property becomes uninhabitable after covered damage.
Explore services →Building Ordinance & Law
Mandatory upgrade costs to meet current building codes after damage occurs.
Explore services →Fair Market Value (Theft)
Replacement cost minus depreciation for stolen personal property.
Explore services →DP-3 Landlord
Coverage extensions specific to landlord policies (DP-3) that protect rental property owners from tenant-caused damage and business interruptions.
Tenant & Landlord Damage
Damage caused by tenants including negligence, intentional acts, and occupancy violations.
Explore services →Eviction-Related Damage
Property damage occurring during or after eviction proceedings and tenant turnover.
Explore services →Abandoned Property
Damage from abandoned rental units including mold, pest infestations, and neglect.
Explore services →Business Interruption
Lost rental income and operating expenses when property becomes uninhabitable.
Explore services →Equipment Breakdown
HVAC, boiler, elevator, and other building system failures in rental properties.
Explore services →Food Spoilage
Commercial refrigeration failures affecting rental properties with food services.
Explore services →What Type of Property?
Whether you own a single-family home, manage a community association, or run a construction business — we understand your specific coverage needs and claim process.
Single-Family Home
Detached homes, properties with yards, and traditional residential structures — from starter homes to luxury estates.
Explore services →Multi-Family (2–4 Units)
Duplexes, triplexes, fourplexes, and small investment properties with separate living units under one roof.
Explore services →Apartment Buildings (5+)
Mid-size to large residential buildings, rental complexes, and multi-unit developments with shared infrastructure.
Explore services →Condo & HOA Association
Master policy disputes, special assessments, unit-level damage claims, and common-area coverage gaps.
Explore services →Commercial Office & Retail
Office buildings, strip malls, standalone stores, shopping centers, and mixed-use commercial spaces.
Explore services →Warehouse & Industrial
Distribution centers, logistics facilities, manufacturing buildings, and self-storage operations.
Explore services →Airbnb & Short-Term Rental
Vacation rentals, booking platforms, and properties with unique liability and coverage considerations.
Explore services →Hospitality (Hotel & Motel)
Motels, boutique hotels, resort properties, and lodging businesses with complex business interruption claims.
Explore services →Are You a Service Provider?
If you work in property restoration, construction, or professional services — we partner with you to document damage accurately, negotiate fairly, and get paid.
General Contractor
Xactimate estimating, appraisal representation, and subcontractor payment advocacy.
Explore services →Plumber / Trades
Water damage scope validation, carrier negotiations, and payment recovery.
Explore services →Restoration Company
Property damage documentation, supplemental claims, and carrier advocacy.
Explore services →Engineer
Structural analysis support, expert reports, and claim file collaboration.
Explore services →Appraiser
Appraisal process coordination, independent valuations, and dispute resolution.
Explore services →Umpire
Appraisal umpire services, impartial evaluations, and claim dispute mediation.
Explore services →Attorney
Policy coverage analysis, bad faith support, and litigation consulting.
Explore services →Property Manager
Multi-unit damage coordination, master policy reviews, and tenant claim advocacy.
Explore services →Realtor
Post-loss client referrals, claim value guidance, and real estate transition support.
Explore services →How We Work Together
No matter the damage, property type, or professional role — here's exactly what happens when you call us.
Free Claim Review
You call us. We listen. We'll review your situation and policy at no cost — and be honest about whether we can help you recover more.
We Inspect & Document
Our adjuster visits your property, conducts a thorough inspection, photographs everything, and builds a detailed loss estimate using Xactimate.
We Negotiate With Your Carrier
We handle all communication with your insurance company — submitting your claim, responding to their adjuster, and negotiating every dollar you're owed.
You Get Your Fair Settlement
You receive the settlement check — full and fair — so you can repair, rebuild, and move forward with peace of mind.
Our Highest-Impact Services
These are the services that deliver the biggest settlements for our clients. Start here if you're not sure which service you need.
Hail & Wind Damage Claims
Roof damage from hail or wind is our most common claim type. We document every impact zone, negotiate full replacement (not cosmetic patches), and have recovered millions for homeowners across both states.
Learn More →Denied & Underpaid Appeals
Your claim was denied or settled far below what you need? We review policy language, gather technical evidence, and file formal appeals — or take the case to appraisal if needed. Average recovery: 3–5× the original offer.
Learn More →Water Damage Claims
Hidden water damage from pipes, appliances, or flooding causes extensive structural loss. We trace the water source, document all affected areas (including behind walls), and prevent carrier underpayments.
Learn More →Fire & Smoke Damage
House fires destroy structures, contents, and personal property. We document all fire, smoke, soot, and water damage from firefighting efforts — ensuring nothing is missed in the settlement.
Learn More →What Our Clients Say
Real stories from homeowners, contractors, and businesses we've helped recover what they deserved.
"Drew handled our hurricane claim and we got 3× more than the insurance company initially offered. He documented damage they completely missed. Worth every penny of his fee — and most people don't even pay upfront."
"As a contractor, I've worked with Drew on over 20 Xactimate estimates. His scopes are carrier-accurate and my revision rate with adjusters dropped to near zero. Highly recommend for any GC or sub who wants to win more jobs."
"Our HOA's master policy claim was denied twice before we found Drew. He not only got our claim approved but uncovered $400K in damage the carrier's adjuster missed. The board was impressed with his professionalism."
Frequently Asked Questions
Real questions people ask when searching for public adjusters in Florida and Texas.
What Does a Public Adjuster Do?
A public adjuster is a licensed insurance claims expert who works on your behalf — not the insurance company's. We document all property damage, prepare detailed estimates using Xactimate, review your policy coverage, and negotiate with your carrier to maximize your settlement. Think of us as your advocate in a system designed to minimize payouts.
Explore homeowner services →How Much Does a Public Adjuster Cost?
Drew the Adjuster works on a contingency fee basis — we only get paid when you recover money. Our fee is a percentage of the additional amount we recover above your insurance company's initial offer. If we don't recover more money for you, you don't pay us. Most homeowners pay nothing upfront.
Schedule a Free Consultation →Do I Need a Public Adjuster?
You should consider hiring a public adjuster if: your claim was denied or underpaid, your insurance company offered far less than you need to repair/replace your property, you're confused about your policy coverage, or you've been waiting months for a settlement. If you believe you're being shortchanged, a free claim review can clarify your options — no obligation.
Get a Free Claim Review →What Happens If My Insurance Claim Was Denied?
A denial doesn't have to be the end. We review your claim files, policy language, and the carrier's adjuster report to identify errors, missing documentation, or coverage misinterpretations. We then file a formal appeal with technical evidence, often increasing your settlement by 3–5×. If appeals fail, we can represent you through the appraisal process or litigation.
Explore dispute services →When Should I Hire a Public Adjuster?
As soon as you realize your claim isn't being handled fairly — ideally before you sign anything or accept a settlement from the insurance company. Once you accept a settlement, it's much harder to reopen. We recommend contacting us after damage occurs but before you finalize any agreement with your carrier. In Florida and Texas, there are statutory deadlines for filing appeals — timing matters.
Start Your Free Claim Review →Can a Public Adjuster Help After a Hurricane or Storm?
Absolutely. After major storms, insurance adjusters from the carrier are overwhelmed and often miss damage or undervalue claims. We conduct thorough inspections, document every impact zone, and fight for full replacement coverage — not cosmetic patches. We've helped thousands of homeowners recover millions after hurricanes, hail storms, and wind events across Florida and Texas.
Explore cover perils services →What's the Difference Between a Public Adjuster and My Insurance Adjuster?
Your insurance company's adjuster (company adjuster) works for the carrier — their job is to protect the insurance company's bottom line. A public adjuster works for you — our fiduciary duty is to maximize your settlement. We bring technical expertise, detailed documentation, and negotiation experience that balances the playing field.
Do You Handle Commercial Claims?
Yes. We handle business interruption claims, commercial property damage, equipment breakdown, master policy disputes for HOAs and condos, and contractor advocacy. We also provide Xactimate estimating, appraisal representation, and scope consulting for contractors, GCs, and attorneys. Our B2B practice serves professionals who handle property claims every day.
Explore contractor services →Still have questions? We're here to help.
Ask Us DirectlyCan't Find What You're Looking For?
Drew handles complex and custom claims. Whether you need a specialized estimate, expert witness testimony, or a unique insurance solution, we've got you covered.
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