Get Claim Help From a Sarasota Public Adjuster

From Siesta Key to Lakewood Ranch, Sarasota property owners know what a Gulf Coast storm can do to a roof. If your settlement offer doesn't come close to covering the repairs, a licensed Sarasota Public Adjuster can help you pursue the full amount your policy owes.

What is a Public Adjuster?

Under Florida Statute 626.854, a Public Adjuster is a licensed professional who prepares, files, and negotiates property insurance claims for policyholders — not for insurance companies. A Sarasota Public Adjuster will inspect your property, interpret your coverage, build an itemized damage estimate, and negotiate with your carrier. Florida law requires that written estimate within 60 days of signing.

How much does a Florida Public Adjuster cost?

Florida regulates Public Adjuster fees more tightly than nearly any other state. Fees are capped at 20% of the claim payments your insurer makes, and at 10% for claims tied to a state of emergency declared by the Governor during the year after that declaration. Public Adjusters work on contingency, so there's no upfront cost, and fees can't be based on your deductible.

How long do I have to file a Sarasota claim?

Florida deadlines are short. You have one year from the date of loss to notify your insurer of a new or reopened claim, and 18 months for a supplemental claim. For hurricanes and windstorms, the clock starts at landfall — not the day you spotted the damage.

Find a Licensed Sarasota Public Adjuster

Every Florida Public Adjuster must hold a 3-20 license and a $50,000 surety bond. Verify any license through the Department of Financial Services before signing. Tiger Adjusters® brings a nationwide network of claim experts to Sarasota County.

Florida caps Public Adjuster fees at 20%, or 10% after a declared state of emergency.

Wind, water, and flood are covered differently in Florida. Know which policy applies.

Verify every Sarasota Public Adjuster's license before you sign a contract.

Public Adjuster fees in Florida are contingency-based and set by statute. You owe nothing upfront, and the fee comes from what your insurer actually pays — never from your deductible.

You also have 10 days to cancel a Public Adjuster contract for any reason, or 30 days after the date of loss for emergency-related claims.

Most Sarasota homeowners policies cover wind-driven rain but exclude flood, which requires separate NFIP or private coverage. After a hurricane, carriers often argue that surge — not wind — caused the loss.

Florida law bars Public Adjusters from soliciting outside 8 a.m. to 8 p.m., Monday through Saturday, and from offering gifts, rebates, or deductible waivers in exchange for a roof inspection or roof claim.