A licensed public adjuster represents the policyholder — not the insurance company — in the insurance claim process. We inspect the property, document all damage, prepare and submit the claim, negotiate with the carrier’s adjuster, and fight for the maximum settlement your policy allows. We are your professional advocate against the carrier’s professional team.
No. Republic Adjusters LLC is completely independent and represents policyholders exclusively. We have no financial relationship with any insurance carrier and no conflict of interest that could compromise our advocacy on your behalf.
Yes. Republic Adjusters LLC is a licensed Public Adjusting firm operating under Florida Statute 626.854. Every adjuster on our team holds a current Florida Department of Insurance public adjuster license and is bonded.
We handle insurance claims for residential homeowners, commercial properties, multi-family buildings, condominiums, vacation rentals, and businesses throughout Florida.
Fees & Cost
Our fee is a percentage of the settlement amount we recover for you. There is no upfront cost, no retainer, and no fee whatsoever unless we recover money for you. Zero financial risk. Our specific percentage is discussed and agreed upon before we begin any work.
If we cannot recover more than the carrier’s existing offer, you owe us nothing. We earn our fee only when we collect a settlement for you, and only on the amount recovered. There is no scenario in which you pay us and end up worse off.
No. One contingency fee, agreed upon in writing before we begin. No retainers, no hourly billing, no administrative fees, no contractor referral fees. Everything is transparent and documented in our agreement before we start.
Claims & Process
Yes. We regularly reopen denied claims. We review the denial grounds, prepare a comprehensive rebuttal with supporting documentation and expert witness evidence where needed, and resubmit through the carrier’s formal appeals process. Many denied Florida claims are successfully reversed with proper representation.
Potentially yes. Depending on your policy language and Florida law, you may be within the statute of limitations to reopen and supplement the claim. Contact us for a free review and we will tell you honestly what options exist.
Most straightforward residential claims resolve within 60–120 days of our engagement. Complex claims involving denials, commercial properties, or major structural losses may take 6–12 months or longer. Our follow-up process keeps claims moving as fast as the carrier allows under Florida law.
To begin, we need your insurance policy declarations page, any carrier correspondence or estimates you have received, photos you have taken of the damage, and access to the property for our inspection. We guide you through everything else.
Florida & Carriers
Republic Adjusters serves policyholders throughout Florida including Orlando, Tampa, Miami, Jacksonville, Fort Lauderdale, Naples, Sarasota, West Palm Beach, Cape Coral, Fort Myers, Pensacola, Tallahassee, Gainesville, Daytona Beach, and all surrounding markets.
We work with all Florida carriers including Citizens Property Insurance, Heritage Insurance, Tower Hill, Universal Property, FedNat, People’s Trust, Swyfft, Travelers, Chubb, The Hartford, Liberty Mutual, Nationwide, GEICO, Gulfstream, Bankers Insurance, Lloyd’s of London, Amica, Edison Insurance, and all other admitted and surplus lines carriers writing policies in Florida.
Yes. Citizens is Florida’s largest insurer and has specific claims processes and documentation requirements. We have handled numerous Citizens claims across Florida and understand their adjuster review process and escalation procedures.
Free Claim Review — No Obligation
Still Have Questions?
Contact us directly or schedule a free claim review. We respond to every inquiry within 24 hours.
