Frequently Asked Questions


Bryan is proud to offer expert public insurance claim adjustment to all of Florida. Our Florida Public Adjusters handle claims in Broward County, Palm Beach County and Miami Dade County - and we are now adjusting claims in SouthWest Florida from Naples and Bonita Springs to Fort Myers and Fort Myers Beach, however we will travel the entire state depending on the claim.

Bryan E. Thomas has decades experience adjusting insurance claims in Florida. If you have a homeowners claim, condominium claim or commercial claim such as a fire claim, water damage, pipe break, mold or any other claim need of assistance filing your insurance claim, We are ready to start working for you. Bryan E. Thomas the prominent Florida Public Adjuster, and has been recognized on a nationally for his proficient adjusting abilities. Being a Florida homeowner himself he understands the type of daily claims that occur and the best means to settle them for the most money.


When should I call a Florida Public Adjuster?

You should call me immediately after a loss. It is most beneficial that I am able to document all of the damage and determine the cause of loss. The beginning of the claim development is the most important as it sets the tone for the entire claim process.

Will my insurance company cancel my contract if I will hire a Florida Public Adjuster?

No. It would be a serious violation for any Insurance Company to discriminate against you in any way for exercising a right given to you by the State of Florida.

How will a Florida Public Adjuster prepare a claim?

Bryan, our Florida Public Adjuster is a very skilled negotiator, who will use services of appraisers, engineers, accountants and all sorts of other experts as needed. As your Florida Public Adjuster he will meticulously go through all the evidence and document everything for you to get the most out of your settlement.

What is the difference between a Public Adjuster and an Insurance Company Adjuster?

The insurance company adjuster or independent claim adjuster are both employed by the insurance company and can only protect the interest of his/her employer. The insurance company adjuster will often offer to settle a claim for the sum they see fit, which is not always in favor of the policyholder.

A Public Adjuster is an insurance adjuster that will only represent the policyholder. They are experts in understanding your policy, coverage and the insurance company responsibilities in order to negotiate the best possible settlement on your behalf.

Who do Florida Public Adjusters typically represent?

Florida Public Adjusters are hired by homeowners, condominium associations and commercial business owners / professionals including but not limited to: attorneys, banks, accountants, business owners, and even insurance adjusters and agents contact us for their own personal losses. Once a person has experienced the benefits of a public adjuster, they will rarely attempt to settle a claim without calling us.

What is a Florida Public Adjuster?

A Florida Public Adjuster is an insurance claims adjuster who advocates for the policy holder in appraising and negotiating an insurance claim. A Public Adjuster is the only type of claims adjuster that can legally represent the rights of an insured during an insurance claim process.

Who regulates Florida Public Adjusters?

Florida Public Adjusters are an insurance adjuster expert, who is licensed and certified by the Florida Department of Financial Services to work exclusively for the benefit of the policy holder.

How do I know if I need a Florida Public Adjuster?

You should call Bryan immediately after a loss. It is most beneficial for all parties when we are involved at the beginning of the claim development so we can set the tone for the entire process.

How much does it cost to hire a Florida Public Adjuster?

Our Florida public adjuster only gets paid if he/she is able to recover money on your claim. The standard Public Adjuster fee in Florida is typically 20% unless its a natural disaster than the fee is 10%. It all depends on the complexities of your claim. Call us, we can better answer that question 800-616-4027. Full Discloser: ( I do NOT charge for appraisal where most public adjusters will involve a separate insurance appraiser for appraisal that charges an additional percentage, typically 10% in addition) I handle the entire claim, even the appraisal.


If my claim has been closed by the Insurance Company, is it too late to hire a Florida Public Adjuster?

Usually its not too late. Florida law allows 2 years to file a supplemental claim from the date of loss or the date of breach. If you do not believe you were paid the right amount, and would like us to review your claim, please contact us 800-616-4027. We will review your claim and give you our professional opinion as to what you can do.

If my claim was denied, am I entitled to a second opinion?

I only get involved in claims where my services are needed. Therefore, there is no claim too big or too small. Just give me a call to discuss your claim and I will give you my professional opinion

What types of claims do you handle?

Bryan is a ALL-LINES Florida Public Adjuster, he can handled all homeowners claims, condominium claims, condominium association claims and commercial claims. He does NOT handle auto claims.

Settlement QUESTIONS

Will I get a higher settlement if I will hire a Florida Public Adjuster?

Almost always, you will receive a higher settlement from the Insurance Company than if you do not use a Florida Public Adjuster for the simple reason that your claim will be presented much more favorably and with careful attention to your policy coverage.

Typically, the more detailed and complete your claim, the higher the settlement. We go through all the evidence, step by step, very carefully inspecting the loss site and accurately documenting the damage.

Studies have clearly demonstrated that the most inventories compiled by insured without the help of a Florida Public Adjuster are very incomplete.

Can I reopen a claim if I was already paid?

As long as you did not sign a release and the statute of limitation has not passed, you should be able to reopen your claim.

When can I expect my claim to settle?

The average claim settles in 3-4 months on average. The insurance company like to dictate the speed of the claim and the timing of the payment. Our public adjuster will see to it they pay as quick as possible and for the right amount.

What Clients Are Saying About Us

  • One of the best, if not the best public insurance adjuster in Florida. Saved me after a flood! He knows his job too well and knows how to create people that are in need for good advice and help. Thank you!

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    • Saso Trajkov
  • After suffering a fire loss the insurance company (after many visits from their inspection teams) made a lump sum settlement with me. Totally inadequate and my complaints did not move them. Then I decided to call in Bryan E. Thomas who responded promptly. He researched my claim and brought his own inspection teams and contacted my insurance company. They found that not only underpaid for my loss but that the Insurance Company didn't have the correct coverage that I had paid for whether deliberately or inadvertently. They pointed our differences to my company the errors they made and I received an additional fifty % over their original settlement. To say I was pleased is putting it mildly. Today my home is almost restored to its original condition, thank you Bryan!.

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    • Linda Sylver
  • Professional and honest. I had a toilet flood that caused me great damage. Then I conctacted my insurance company and they offered me so little when compared to my damage. One of my best friends recommended my Florida Public Adjuster. I talked with Bryan and I explained my situation. The communication was excellent and he took care for me from then on. He worked hard to claim what I belonged. At the end he managed to get much larger amount from my insurance company. What an amazing service!

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    • Tim Granger
  • You identified issues that my insurance company never mentioned, this resulted in my settlement being almost double the amount that my insurance company initially agreed to. You have been most compassionate and kind in helping me out with this disaster — the likes of which I have never experienced before. You identified damaged items that my insurance company never mentioned. You took control of the problem, so that I was not burdened with handling it by myself. You resolved the problem with my insurance claim in such a timely manner, and to my surprise, you negotiated with my homeowners insurance company, resulting in a fair settlement amount for the total damages to my condo (that were caused my neighbor). I am so grateful that the admin of my condo referred me to you. I had no idea a Public Adjuster existed to help homeowners deal with homeowners insurance claims of unfair value for property damage. I will highly recommend Bryan E. Thomas to my family and friends.

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    • Jessi Sharon
  • Thank you Bryan! I recently filed two claims simultaneously with Bryan’s assistance. He took all the stress and worry out of the process. He recently hand-delivered two checks to me totaling in excess of $120,000. The process took no more than 4 weeks from start to finish. I know for a fact that I could not have managed my claims and received this payout without his support and professional guidance. I’ve already referred Bryan to two of my neighbors. Highly recommended!

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    • Caroline Jameson
  • We had a water damage in our studio recently. Florida Public Adjuster's team has done a great job to get me even more money than my insurance company initially offered me. Bryan was very responsive and knowledgeable. We strongly recommend him to anyone that has experienced water damage. Amazing service!

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    • Jason Jackson
  • After the recent fire I have experienced in my condo in Fort Lauderdale, I was a bit lost. The insurance company offered me too little and I didn’t know what to do after until a friend of mine recommended me Bryan. He is truly an expert and largely helped me with getting more money from my insurance company. He is a great communicator and real expert in restoration. He can be of great help to anyone that experienced water or fire damage. Thank you!

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    • Janet Velkovski
  • Thank you Bryan for providing the best compensation for the water damage of my aunt’s house in Fort Lauderdale. You are a real example of how every dedicated professional should work. You are an expert in this field and I will always highly recommend you to anyone that has similar problems!

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    • Steven McMachon
  • Today, I learned something extremely useful. I had heard of people hiring public adjusters for insurance claims in the past, but I never really thought much about it. From my uninformed perspective, there wasn’t much of a difference between an independent adjuster (who works for the insurance company) and a Florida public adjuster who works only for the insured [home, condo, and business owners]. Bryan is a Public Adjuster. He will make sure you receive every penny you are owed for a claim and he does not get paid until you have been paid. There was insufficient damage to my home to warrant opening a claim but I did get a glimpse into how Bryan looks at the incident and watches out for his potential clients. Most importantly, I realized that the insured is his client, not the insurance company (which is both a huge distinction and advantage for the policyholder). Whether you have a claim or think you have a claim, please call Bryan, even before contacting the insurance company. He will look it over, give you his honest assessment, and gather every molecule of evidence that might push the advantage into your court. Thank you again Bryan! You did an amazing job.

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    • Bridget Karras
  • I didn’t know what a Florida Public Adjuster was until I met Bryan. He helped us battle the insurance company and get us all the money we were entitled. We highly recommend you contact Bryan should you have an insurance claim. The insurance company is the enemy and Bryan makes them pay

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    • Nisha Shao
  • One of the best, if not the best public insurance adjuster in Florida. Saved me after a flood! He knows his job too well and knows how to create people that are in need for good advice and help. Thank you!

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    • Alex Noble
  • Bryan,It is very nice to know that I can send you someone who has just had a loss and know that you will take good care of them. My daughter was terrified by the insurance company and you handle them for her and made the process easy. I can’t thank you enough for helping her. If you hadn’t help her they were surely going to take advantage of her. They offered her $1,500 for her damage and she just settled for $88,000. You are the pit bull of adjusters and I’m glad that you were able to help.

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    • Marco Belena

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