Winter Haven Private Insurance Adjuster
Serving Winter Haven, Lakeland, Haines City, Ocala, Crystal River, New Port Richey, and Surrounding Areas
A private insurance adjuster — also called a public adjuster — works only for you, the policyholder. We do not work for the insurance company. Public Adjusters of Florida brings 28 years of insurance-industry experience to Polk County, the I-4 corridor, and the Pasco coast.
What Is a Private Insurance Adjuster?
A private insurance adjuster is a licensed professional who represents the policyholder, not the insurance carrier. In Florida, private insurance adjusters are licensed and regulated by the Department of Financial Services and held to a strict code of conduct.
When we take on your claim, we read your policy, document your damages, prepare your estimate, file your paperwork, and negotiate directly with your insurance company. You do not have to learn the language. You do not have to argue line items. That is our job.
Private Insurance Adjuster vs. Company Adjuster: Who Is on Your Side?
Your insurance carrier’s adjuster works for the insurance company. They are not the bad guy — they are just paid by the same people writing your check, which is a built-in conflict of interest. A private insurance adjuster works only for you. State-of-Florida research (OPPAGA Report 10-06) found that policyholders who used public adjusters received significantly higher settlements than those who did not.
Why Central Florida Homeowners Use a Private Insurance Adjuster
- You do not have time to fight the carrier — you have a damaged home and a family to take care of
- Insurance policies are full of legalese, exclusions, and depreciation rules
- Carriers issue lowball offers when no one is checking the math
- Florida’s hurricane history means carriers have systems built to minimize payouts at scale
- A trained eye catches damages an untrained homeowner will miss
Our Winter Haven Partner Firm
Public Adjusters of Florida works alongside a partner firm based in Winter Haven that is a member of the Florida Association of Public Insurance Adjusters (FAPIA). Between our New Port Richey office and our Winter Haven partnership, we cover the I-4 corridor and the Pasco coast with the same policyholder-first representation. We do not need clients to visit either location — we come to you.
Property Damage Claims We Handle
- Hurricane damage
- Wind, hail, and tornado damage
- Roof damage (with free roof inspection)
- Water damage and pipe bursts
- Flood damage
- Fire and smoke damage
- Mold claims
- Lightning and electrical surge
- Theft and vandalism
- Commercial property damage
No Cost Unless You Win
There is no upfront cost to hire a private insurance adjuster from Public Adjusters of Florida. We are paid a percentage of your settlement, and only if you collect. If we do not recover anything, you do not owe us anything.
What Our Clients Say
“I hired Mr. Wicks to advocate on my behalf after water damage at my home. I was unfamiliar with how to deal with insurance and he was extremely helpful. Mr. Wicks was always accessible and responsive when I had questions. The outcome was in my favor. I would have ended up with much less had I tried to do this alone.”
— Dana Dane
Verified Google Review
“Every question we had no matter how minuscule was answered promptly and to the point. We felt very confident putting everything in their hands, and we thank them now publicly for all the care and assistance in helping us with our claim.”
— Dorita Hamende
Verified Google Review
“Mr. Mark provided guidance and education on a situation I had — amazing customer service. I would trust him to handle any job for my house.”
— Christian Sullivan
Verified Google Review
Get Your Free Claim Review
Call (727) 992-1156 24/7 or use the form below. We will review your claim, walk you through your options, and tell you honestly whether a private insurance adjuster will help in your case.
Contact a Public Insurance Adjuster
Phone
(727) 992-1156
Hours of Operation
We are available to take your claim anytime!
