Frequently Asked Questions


Our Florida Public Adjusters are proud to offer expert public insurance claim adjustment to all of Florida. We handle claims in SW Florida, Lee County, Collier County, Broward County, Palm Beach County and Miami Dade County

Our Florida Public Adjuster team of adjusters have 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 President of National Adjusters, Inc. 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.

National Adjusters


What is a Florida Public Adjuster?

Florida Public Adjusters are experts on property loss adjustment who are retained by policyholders to assist in preparing, filing and adjusting insurance claims. Employed exclusively by a policyholder who has sustained an insured loss, these professionals manage every detail of the claim, working closely with the insured to provide the most equitable and prompt settlement possible. A Florida public adjuster inspects the loss site immediately, analyzes the damages, assembles claim support data, reviews the insured’s coverage, determines current replacement costs and exclusively serves the client, not the insurance company. Definition per the National Association of Public Insurance Adjusters.

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?

National Adjusters team of Florida Public Adjusters are very skilled negotiators who will use services of appraisers, engineers, accountants and all sorts of other experts as needed. As your Florida Public Adjuster we 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.

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.

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 National Adjusters 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 855-PUBLIC-ADJUSTER. Full Discloser: ( We do NOT charge for appraisal on claims where we handle the appraisal in house, where most public adjusters will involve a separate insurance appraiser for appraisal that charges an additional percentage, typically 10% in addition) National Adjusters will handle the entire claim, even the appraisal most times.


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 855-PUBLIC-ADJUSTER. 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?

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

What types of claims do you handle?

National Adjusters, Inc. is a ALL-LINES Florida Public Adjuster, we can handled all homeowners claims, condominium claims, condominium association claims and commercial claims. We do 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 our 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 Florida public adjuster will see to it they pay as quick as possible and for the right amount.

What Clients Are Saying About Us

  • My friend referred me to hire a National Adjusters, and I have to say I was a bit skeptical as I have been misled by others promising results and always coming up short. National Adjuster, has proven themselves to me and five of my personal friends and family, they have gone the distance and stayed persistent in achieving some amazing results when we felt completely frustrated dealing with all the insurance company delay tactics, attempts to low ball our insurance claim and poor claims handling practices. I have invited several of National Adjusters public adjusters to my family functions as I feel everyone should have someone like them close by when disasters happen.

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    • E. Polichronis
  • I have nothing but praise for National Adjusters! They came in with a crew of engineers, roofing consultants, and inspectors, did a ton of detailed paperwork and many supplemental reports, dealt with our insurance company adjusters, and within months National Adjusters came through with over $1 million dollars of additional insurance money. You kept us informed along the way, and you were there for us. Thank goodness for National Adjusters, Inc.

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    • M.Waller
  • I am a senior risk manager at a large manufacturing firm who recently used National Adjusters, Inc service to assist us with our insurance company. I just had to write and let you know how satisfied I am with the results your organization was able to achieve! The business interruption calculations allowed us to get additional coverage and payment that the insurance company adjuster denied, the machinery replacement costs were finally paid per your expert evaluations a 400% increase, not to mention the fact that your team was able to successfully reduce the amount of depreciation the insurance company was attempting to apply. I honestly thought I could handle this insurance claims process myself; BOY was I wrong and at the same time grateful for the assistance National Adjusters was able to provide. You truly made me look like a hero to my superiors. I am so glad that I took a chance on you!

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    • C. Willis
  • I am an insurance agent myself and have been for over 30 years. My wife and I have owned many homes and several apartment complexes. We filed our first claim in eight years and after waiting for 3 months for an adjuster and another two months for an engineer they sent, my insurance company said my claim was under my $1,000 deductible. It was then that I got extremely upset and called National Adjusters. Within 30 days they inspected my home, had a roofing consultant, an industrial hygienist, a certified infrared technician and other professionals inspect the damage, and sent me a check from my insurance company for almost $35,000 after applying my $1,000 deductible. They were extremely polite, efficient, and obtained excellent results. I would recommend National Adjusters, Inc. to anyone with an insurance claim in these difficult times. I no longer work in the insurance industry because insurance companies have grown difficult to deal with and the customer service is no longer there. That is why anyone in Florida with an insurance loss needs a Public Adjusters to act on their behalf and eliminate the stress!

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    • Bob "Red" Shanahan