Question 1

What does a public adjuster do?

Accepted Answer

A public adjuster is a licensed insurance professional who represents the policyholder in a first-party property insurance claim. The carrier has its own adjuster representing its interests; the public adjuster represents yours.

Question 2

Are public adjusters lawyers?

Accepted Answer

No. We are licensed insurance adjusters under Florida Statute 626.854, not attorneys. We handle the claim itself. If a claim becomes a coverage dispute that requires litigation, we coordinate with insurance counsel as appropriate.

Question 3

Why hire a public adjuster instead of handling it myself?

Accepted Answer

Most policyholders only file a major claim once or twice in a lifetime. Carriers handle thousands every week. The asymmetry shows in the settlements.

Question 4

Do you only work for individuals?

Accepted Answer

No. We represent residential and commercial policyholders, including small businesses, condo associations, and large commercial properties.

Question 5

How are public adjuster fees structured?

Accepted Answer

Our fee is a percentage of the final settlement. Nothing is owed upfront, and nothing is owed if there is no recovery.

Question 6

What is the maximum fee allowed in Florida?

Accepted Answer

Florida Statute 626.854 caps public adjuster fees at 20% of the recovery on standard claims and 10% on emergency or declared-disaster claims for residential property.

Question 7

Are there any other costs?

Accepted Answer

Out-of-pocket expenses for experts (engineers, hygienists, etc.) are discussed and approved before being incurred. Our adjusting fee is the only standard cost.

Question 8

When do you get paid?

Accepted Answer

Our fee is paid out of the settlement when the carrier issues funds. We do not invoice you separately.

Question 9

Should I call my insurance company first or call you first?

Accepted Answer

Call us first if possible. The framing of the loss in the initial report can shape the entire claim. If you've already filed, we can still help — most claims can be re-shaped or supplemented.

Question 10

I already filed a claim and the offer was low. Can you still help?

Accepted Answer

Yes. We routinely take over underpaid, delayed, or denied claims. Florida law allows you to engage a public adjuster at almost any stage.

Question 11

How long does a claim take?

Accepted Answer

It varies. Florida law gives carriers specific timelines (typically 60 days from a complete proof of loss to pay or deny). We work to keep the carrier on the clock.

Question 12

Can I cancel after I sign?

Accepted Answer

Yes. Florida law gives policyholders a statutory right to cancel a public adjuster contract within a defined period. The exact terms are spelled out in our engagement letter.

Question 13

What documents do I need to provide?

Accepted Answer

Your declarations page, the full policy, photos of the damage, and any prior carrier correspondence. We handle the rest.

Question 14

Are you licensed?

Accepted Answer

Yes. Blueprint Insurance Claims operates under Florida DFS firm license 2507 (License #G344616). Every adjuster on our team holds an active Florida 3-20 public adjuster license.

Question 15

Are you affiliated with any insurance company?

Accepted Answer

No. We exclusively represent policyholders. We do not work for, contract with, or accept referral compensation from any insurance carrier.

Question 16

What is the Florida matching statute?

Accepted Answer

Florida Statute 626.9744 generally requires that when part of a building is damaged and the matching of materials is required for a uniform appearance, the carrier must repair or replace the items so that the result is a reasonably uniform appearance.

Question 17

What if my claim is denied?

Accepted Answer

A denial is not the end. We review the denial basis against your policy, document overlooked damages, and pursue supplementation, reopening, or escalation as warranted.

Question 18

What is a 'proof of loss' and why does it matter?

Accepted Answer

A sworn proof of loss is a formal statement of the claim submitted to the carrier. Florida law typically begins certain timelines once a complete proof of loss is filed — which is one reason it must be prepared correctly.

Question 19

What deadlines do I need to know about?

Accepted Answer

Florida has specific statutes of limitation for property claims and for filing supplemental claims. The exact deadlines depend on the policy, the loss type, and the date of loss. We review these on every claim.

Common questions, direct answers.

About Public Adjusters

About Our Fees

About the Process

About Florida Law

Don't settle for less than your policy owes you.