FL DFS Licensed Firm #G114979  ·  Serving Policyholders Statewide  ·  (352) 782-2617
Care Claims Adjusting
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Florida Licensed Public Adjusters

We Represent Policyholders — Not Insurance Companies

Care Claims Adjusting is a Florida Department of Financial Services licensed public adjusting firm. We advocate exclusively for property owners in residential and commercial insurance claims across Tampa Bay and the entire state of Florida.

FL DFS Licensed

Firm #G114979 · License #W786531

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5.0 Stars on Google

No Upfront Fees

Contingency-based per FL Statute 626.854

Roofing Contractors: Partner With Us

We work with licensed roofing contractors to properly document and negotiate insurance claims. Our partnership program helps ensure property owners receive fair settlements for legitimate damage.

Learn About Our Contractor Program
Service Areas

Serving Tampa Bay & All of Florida

Licensed to handle residential and commercial property insurance claims throughout the state of Florida.

Tampa

Hillsborough County

Clearwater

Pinellas County

Riverview

Hillsborough County

Brandon

Hillsborough County

Statewide

All Florida Counties

Commercial Claims

Large-Loss Commercial Property Claims

Commercial property claims require specialized documentation and negotiation. We represent business owners, property managers, and commercial entities in complex insurance disputes involving significant structural and operational losses.

Our team prepares comprehensive claim packages compliant with Florida insurance regulations, including detailed damage assessments, code-compliant repair scoping, and business interruption documentation.

What We Handle

Insurance Claim Representation

As your licensed public adjuster, we represent you — the policyholder — in all communications with your insurance company.

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Roof & Storm Damage

Wind, hail, and hurricane damage claims with thorough property inspections, documentation, and insurer negotiation in accordance with your policy and Florida law.

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Water Damage

Pipe bursts, flooding, and water intrusion claims. We document visible and hidden damage to ensure your claim reflects the full scope of loss.

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Fire & Smoke Damage

Structure fire, smoke damage, and contents claims. We coordinate inspections and prepare itemized claim documentation for your insurer.

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Mold Damage

Mold remediation claims with proper environmental documentation. We work to ensure covered mold damage is properly included in your claim.

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Wind & Hurricane

Hurricane and tropical storm claims requiring specialized assessment per Florida Building Code standards and your insurance policy terms.

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Commercial Claims

Multi-unit, retail, industrial, and commercial property claims. We handle large-loss documentation, business interruption, and complex coverage disputes.

Claim Transparency

Track Your Claim With Eden

Our proprietary claim management platform provides you with real-time visibility into your claim status, documentation, and communications.

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Real-Time Status

Monitor your claim progress 24/7

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Document Portal

Secure file upload & storage

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Direct Messaging

Communicate with your adjuster

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Recovery Tracking

See settlement progress

Our Process

How We Work For You

A transparent, step-by-step claims process designed to protect your interests as a policyholder.

01

Free Inspection

We conduct a thorough property inspection and damage assessment at no cost or obligation to you.

02

Documentation

Detailed damage reports, photographs, repair estimates, and claim preparation in compliance with Florida statutes.

03

Negotiation

We handle all communications with your insurance company, respond to adjuster reports, and negotiate on your behalf.

04

Settlement

We work to obtain the maximum settlement you are entitled to under your policy and Florida insurance law.

Common Questions

Frequently Asked Questions

What is a public adjuster and how are they different from an insurance adjuster?

A public adjuster is a licensed professional who represents the policyholder — not the insurance company — in the insurance claims process. Under Florida Statute 626.854, public adjusters are licensed by the Florida Department of Financial Services and are legally authorized to inspect damage, prepare claims documentation, and negotiate settlements on your behalf. Insurance company adjusters, by contrast, work for and represent the interests of the insurer.

What does a public adjuster charge?

Public adjusters in Florida work on a contingency basis, meaning there are no upfront fees. Per Florida Statute 626.854, our compensation is a percentage of the claim settlement. For non-emergency claims, the fee may not exceed 10% of the amount recovered. For claims related to a state of emergency declared by the Governor, the fee may not exceed 10% for claims filed within one year, and special rules apply for supplemental claims. All fee terms are disclosed in the written contract before services begin.

When should I hire a public adjuster?

You may benefit from a public adjuster at any point in the claims process — whether your claim is new, has been underpaid, or has been denied. The earlier we are engaged, the more effectively we can document and present your claim. Florida law provides policyholders with certain time limitations for filing and pursuing claims, so contacting us promptly is advisable.

Are you licensed and insured?

Yes. Care Claims Adjusting is licensed by the Florida Department of Financial Services as a Public Adjuster Firm (Firm #G114979). Our individual adjusters hold active Florida public adjuster licenses (License #W786531). We maintain Errors & Omissions (E&O) insurance and surety bonds as required by Florida law. You may verify our license status at MyFloridaCFO.com.

What rights do I have as a Florida policyholder?

Under Florida law, you have the right to: hire a public adjuster of your choosing to represent you; receive a written estimate from your insurance company; receive payment on covered claims within the timeframes specified by Florida Statute 627.70131; invoke the appraisal process if you dispute the amount of loss; and cancel a public adjuster contract within a specified period as outlined in the contract. We ensure all of these rights are explained to you before we begin work.

Regulatory Compliance

Licensing & Florida Compliance

We operate in full compliance with all applicable Florida insurance statutes and regulations.

Florida DFS License

Firm #G114979
Individual License #W786531
All adjusters maintain active FL DFS licenses, E&O insurance, and surety bonds.

Statutory Compliance

FL Statute 626.854 — Public Adjuster Requirements
FL Statute 626.8795 — Contractor Coordination
FL Statute 627.70131 — Claims Handling Timeframes
Full disclosure in all written agreements

Professional Standards

Surety bond as required by FL DFS
Errors & Omissions insurance coverage
Continuing education requirements met annually
Written contracts with cancellation rights disclosed

Florida Policyholder Disclosure

As required under Florida law, we provide the following disclosures: Care Claims Adjusting operates as a licensed public adjusting firm under the Florida Department of Financial Services. All services are provided pursuant to a written contract that specifies the terms of engagement, including fee structure, scope of services, and cancellation rights. You have the right to cancel the contract within the period specified therein. Public adjuster fees are regulated by Florida Statute 626.854. We do not represent insurance companies. We represent you, the policyholder.

  • FL Statute 626.854 — Public Adjuster Licensure & Fee Limitations
  • FL Statute 626.8795 — Contractor-Public Adjuster Coordination
  • FL Statute 627.70131 — Insurer Claims Settlement Practices
  • FL Statute 626.112 — Licensing Requirements
Free Consultation

Request a Free Claim Review

No obligation. Tell us about your property damage and we will provide a preliminary assessment at no charge.

By submitting, you consent to being contacted regarding your claim. No obligation. No upfront fees.

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Care Claims Adjusting
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