A Public Adjuster is an adjuster who is licensed by the Department of Financial Services to work exclusively for the benefit of the policy holder.


The insurance company adjuster or independent claims adjuster are both employed by the insurance company, they represent and protect the interest of the insurance company. They cannot look out for your interest and the interest of his/her employer at the same time. The insurance company adjuster will often offer to settle a claim for the sum they see fit, which is not always in favor of the policyholder.
A Public Adjuster is an insurance adjuster expert who works exclusively for you the policyholder. We answer to you not the insurance company.
We are experts in reading and understanding your policy, determining and documenting damages and understanding the insurance company’s responsibility to you in order to negotiate a better settlement.


Preparing an insurance claim can be a complicated and complex task. There are just too many details and variables which arise that can be easily overlooked. Public Adjusters will almost always obtain much greater settlements than individuals, not only due to their skill in evaluating, estimating, and appraising, but also because of their experience with the “ins and outs” of the insurance industry. As is true in any profession, the more experience and training one has, the better the final results. The State of Florida recently released the results of an extensive investigation, (Oppaga Report) and found that public adjusters, on average, obtained more than 500% than what Citizens Property Insurance Corporation tried to settle their claims for. Statistics are quite clear that Public Adjusters, almost without exception, assist in obtaining extremely higher settlements for the Insured.


No. We are not paid until money is collected from the Insurance Company. It is illegal for any public adjuster to charge any kind of advance in the State of Florida.


Yes, our consultation is free and without obligation. We specialized in denied/underpaid claims. Please feel free to call us and set-up an appointment to discuss your claim.


Usually, No Florida law allows a few years to file a supplemental claim from the date of loss. If you do not believe you were paid the right amount, and would like us to review your claim, please contact us. We specialize in denied and underpaid claims.
We will carefully audit and analyze your claim and give you our professional opinion. Our consultation is free and without obligation.


Our fees are based on a percentage of the recovery and are regulated by the Florida Dept of Financial Services.


A consultation is free and without obligation. Please feel free to call us and set-up an appointment to discuss your claim.

Our Address

Southeast Public Adjusters
15757 Pines Blvd. #306
Pembroke Pines, FL., 33027
(888) 811-5439 - Office
954-441-6517 - Fax
Ruben Garcia, Public Adjuster
License: A093309
email

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Our current BBB rating is A +