Frequently Asked Questions

Insurance claims in Clearwater

FAQ

Frequently Asked Questions

What is a public adjuster?

A public adjuster is a licensed insurance professional who works exclusively for policyholders — not the insurance company. We handle the entire claims process to ensure you get the maximum settlement you are entitled to under your policy.

How is a public adjuster different from an insurance company adjuster?

Insurance company adjusters represent the insurer and often try to minimize payouts. A public adjuster like All Claims Solutions represents you, the homeowner or business owner, making sure your claim is prepared, documented, and negotiated properly, maximizing the settlement.

When should I hire a public adjuster?

You should consider hiring us if:
• You’ve experienced any type of property damage (roof leaks, hurricanes, plumbing leaks, fires, etc.).
• Your insurance company is delaying, underpaying, or denying your claim.
• You want a professional to take over the stress of the claims process.

Are public adjusters licensed in Florida?

Yes. Public adjusters must be licensed and regulated by the Florida Department of Financial Services. All Claims Solutions has been proudly licensed and serving Florida homeowners for over 15 years.

How much does it cost to hire a public adjuster in Florida?

Florida law caps fees:

• 20% of the final settlement.
• 10% for claims related to a state-declared emergency (like hurricanes) filed within the first year.
• We only get paid if you get paid—there are no upfront costs.

What types of claims can a Public Adjuster help with?

All Claims Solutions can handle all property damage claims for residential, commercial and HOAs, including:

Hurricane & windstorm damage
• Roof leaks & water damage
• Fire & smoke damage
• Mold damage
• Plumbing leaks or pipe bursts
• Vandalism & theft claims

Can a Public Adjuster reopen an old or denied claim?

Yes! If your claim was underpaid or denied, our team can review it and fight to get you the compensation you deserve, after a policy evaluation and proper investigation.

Will hiring a public adjuster slow down my claim?

No. In fact, we often speed up the process by managing inspections, paperwork, and negotiations directly with the insurance company.

Do I have to deal with my insurance company if I hire a Public Adjuster?

No. Once you hire us, we act as your representative and handle all communications and negotiations with the insurance company for you maximizing the settlement of the loss.

Is it worth hiring All Claims Solutions Public Adjusters?

Absolutely. Policyholders who hire public adjusters often receive significantly higher settlements than those who go through the process alone. With over 15 years of experience, we know how to fight for your best outcome in the entire Florida West Coast including Clearwater, Clearwater, St. Petersburg, and across Hillsborough, Pinellas, and Pasco counties.

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Our public adjusters are happy to analyze any potential insurance claim
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