(407) 490-2979 info@republiclossadjusters.com
Storm Season: June 1 f ig in
Florida Licensed Public Adjusters

When the Insurance
Company Says No,
We Say Otherwise.

Republic Loss Adjusters represents Florida homeowners and businesses against their insurance carriers. Free property inspection. No recovery, no fee.

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No obligation. We respond within 24 hours.

Confidential. Florida licensed. No upfront fee.

Florida Licensed & Bonded Public Adjusters No Recovery, No Fee Free Property Inspection All Florida Carriers Storm Season Ready
500+
Claims Handled
$12M+
Recovered for Clients
747%
Avg. Payout Increase
$0
Upfront Cost
Proven Results
Republic Loss Adjusters licensed public adjuster meeting with Florida homeowner to review insurance claim settlement
Licensed Public Adjusters · Florida

What We've Recovered for Florida Clients

Insurance carriers send professional adjusters trained to minimize your payout. We send a licensed public adjuster trained to maximize it. The difference is often extraordinary.

View All Case Results
Florida home with blue tarp after hurricane damage
Hurricane Damage
Carrier offered $9,200 on a Category 4 wind and rain loss. We documented every excluded category and fought through full appeals.
Orlando, FL · Citizens Property
$9,200
$77,600
+742%
Burst pipe spraying water inside Florida home wall
Water Damage
Pipe burst claim. Carrier underpaid structural drying, contents inventory, and excluded temporary living expenses during remediation.
Tampa, FL · Heritage Insurance
$21,000
$151,000
+618%
Mold remediation technician treating black mold on wall
Mold - Denied Claim
Carrier denied coverage twice citing causation. We prepared expert rebuttal with industrial hygienist documentation and forced reversal.
Naples, FL · Tower Hill
Denied
$38,500
$0 to Paid
Kitchen fire and smoke damage to cabinets and appliances
Fire & Smoke Damage
Carrier excluded HVAC smoke contamination, wall cavity penetration, and full contents replacement. We captured every category.
Miami, FL · Travelers
$44,000
$167,000
+280%
747
The Numbers

Policyholders With a Licensed Public Adjuster Recover Dramatically More

Florida's Office of Program Policy Analysis documented what we see on every claim: policyholders who hire a licensed public adjuster receive settlements hundreds of percent higher than those who face the insurance company's professional team alone.

Your carrier's adjuster works for them. Our adjuster works for you, at no cost unless we recover more than what you were offered.

Protect My Claim Now

Source: OPPAGA, Florida Office of Program Policy Analysis and Government Accountability

Without a public adjuster
$18,000
Average Florida claim settlement going it alone against the carrier
vs
With Republic Loss Adjusters
$152,000
Average settlement with our licensed adjusters fighting for you
747% average increase when represented by a licensed Florida public adjuster
What We Handle

Every Type of Loss, Every Florida Carrier

All Claim Types
Florida property damage claim types - fire damage, hurricane storm damage, water flooding damage, mold remediation, and home reconstruction handled by Republic Loss Adjusters public adjusters
01
Hurricane & Wind Damage
CAT event specialists. Hurricane Ian, Irma, Michael. We know Florida storms and how carriers respond to them. No volume cap during surge periods.
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02
Water & Flood Damage
Pipe bursts, flooding, appliance leaks, storm surge. We document every affected area, every material, and every dollar of loss your carrier owes.
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03
Fire & Smoke Damage
Structural, smoke penetration, HVAC contamination, contents. We recover categories that most insurance adjusters deliberately overlook.
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04
Mold & Environmental
Florida's most denied claim type. We prove causation, document scope to IICRC standards, and fight denials with expert evidence.
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05
Denied & Underpaid Claims
Already received a denial or lowball offer? We review, rebut, and resubmit, no matter how long ago it happened within the statute of limitations.
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06
Roof & Structural Damage
Wind, hail, and hurricane roof claims with full Florida code upgrade documentation, supplement recovery, and carrier negotiation.
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Why Republic
Republic Loss Adjusters LLC - Florida Licensed Public Adjusters - Shield logo representing protection for Florida homeowners in insurance claims
"The insurance company sent their adjuster. We sent ours. The difference was $128,000."

Every major insurance carrier in Florida maintains a team of experienced claim adjusters whose sole function is to evaluate and minimize what they pay on your claim. Most homeowners face that team alone. Republic Loss Adjusters puts an equally qualified professional on your side, at zero upfront cost.

See How It Works
Florida Licensed & Bonded
Every adjuster at Republic holds a current Florida Department of Insurance license and is bonded. We are a licensed public adjusting firm under Florida Statute 626.854.
No Recovery, No Fee
Our fee is a percentage of what we collect for you. If we don't recover more than what was already offered, you owe us nothing. Zero financial risk.
Free Property Inspection
Before we take your case we inspect the property at no charge and tell you exactly what we believe your claim is worth and what we can do for you.
All Florida Carriers
Citizens, Heritage, Tower Hill, Universal Property, Travelers, FedNat, and every carrier in Florida. We know their processes and how to negotiate with each one.
Storm Season Ready
We pre-staff for Florida hurricane season every year. When a CAT event generates a surge, our capacity scales with your needs.
Client Stories

What Florida Homeowners Are Saying

★★★★★
"The insurance company offered us $22,000. Republic got us $94,000."
After Hurricane Ian hit our Orlando home we thought $22,000 was the best we could get. Republic documented everything we missed and fought the carrier for months. I had no idea we were entitled to that much.
Michael T. - Orlando, FL
Hurricane claim, +327% recovered
★★★★★
"They reversed a denial the carrier said was final."
Our mold claim was denied twice before we called Republic. They built a complete rebuttal with expert documentation and forced the carrier to reverse the denial. $41,000 we thought was gone forever.
Sandra R. - Tampa, FL
Denied claim, $41,000 recovered from $0
★★★★★
"I never had to deal with the insurance company once."
After a kitchen fire I was completely overwhelmed. A friend recommended Republic. They handled everything from start to finish. I signed the papers and they delivered a check three times what the carrier first offered.
James C. - Miami, FL
Fire damage, 3x original offer
All Florida Carriers

Established Relationships With Every Florida Carrier

We know how every major carrier operates in Florida, their processes, their adjusters, and how to get maximum settlements from each one.

Citizens Property Heritage Insurance Tower Hill Universal Property Travelers Chubb The Hartford Liberty Mutual Nationwide GEICO FedNat People's Trust Lloyd's of London Gulfstream Swyfft Bankers Insurance Edison Insurance Kin Insurance American Integrity AAA Insurance
Free Claim Review - No Obligation

Your Carrier Has a Team.
Now So Do You.

Free property inspection. No upfront cost. No fee unless we recover. Republic Loss Adjusters fights for every dollar your Florida insurance policy entitles you to receive.

Get My Free Claim Review or call (407) 490-2979