Get Claim Help From a Punta Gorda Public Adjuster

Punta Gorda sits right where the Peace River spills into Charlotte Harbor—gorgeous on a calm day, punishing when a storm pushes wind and water up the harbor. From Charley in 2004 to Ian, Helene, and Milton, Charlotte County property owners know the hard part often isn't the storm. It's the claim. A Punta Gorda Public Adjuster can help you fight for what your policy actually owes you.

What is a Public Adjuster?

A Public Adjuster is a licensed insurance claim professional hired by you, the policyholder—not by your insurance company. A Punta Gorda Public Adjuster will inspect your property, interpret your policy language, build an itemized damage estimate, file your claim, and negotiate directly with your carrier. Under Florida law, Public Adjusters handle property losses only; they can't give legal advice or work bodily injury claims.

How much does a Florida Public Adjuster charge?

Florida caps Public Adjuster fees by statute. For most claims, the ceiling is 20% of the claim payment. For claims tied to an event under a Governor-declared state of emergency—a hurricane, for example—the cap drops to 10% for the first year after the declaration. Fees are contingency-based, can't be charged against your deductible, and can't be charged on money your insurer already paid before you signed.

Don't miss Florida's claim deadlines

Florida gives you one year from the date of loss to report a new or reopened property claim, and 18 months for a supplemental claim. For hurricanes, the clock starts the day the storm made landfall—not the day you find the damage. If you're still uncovering hidden water intrusion in Punta Gorda Isles or Charlotte Harbor, time matters.

Find a licensed Punta Gorda Public Adjuster

Every Public Adjuster operating in Florida must be licensed and appointed by the Department of Financial Services. Verify the license before you sign anything. Tiger Adjusters® backs Punta Gorda policyholders with a nationwide network of licensed claim experts, ready to take on your Charlotte County claim.

Florida gives you a window to cancel a Public Adjuster contract—no penalty, no obligation.

Your carrier's adjuster answers to the insurance company. A Public Adjuster answers to you.

You may cancel a Public Adjuster contract within 10 days of signing. If the contract follows a Governor-declared state of emergency, you get 30 days from the date of loss or 10 days from signing—whichever is longer. Your adjuster also owes you a written, itemized estimate within 60 days.

Company adjusters and independent adjusters are paid by your insurer, and their job includes managing what the company pays out. A Public Adjuster is hired by the policyholder. Florida also requires anyone acting for your insurer to give 48 hours' notice before inspecting your property.