Public adjuster services after Hurricane Isaias
One firm carries your claim from the first inspection to the final payment. Policyholder Advocacy Group inspects the damage, builds the scope, prices the loss, and presents the claim to your carrier under the terms and conditions of your policy. We serve homeowners and commercial property owners across Florida.
Request a Free Hurricane Inspection or call 800.511.2240.
Nearly 55,000 Hurricane Isaias claims filed statewide
Nearly 8,500 closed without a payment, against just over 3,500 closed with one
About 43,000 were still open weeks after the storm
The services
- Free 21-Point Storm Inspection
- Damage documentation and loss estimating
- Claim filing and day-to-day claim management
- Supplement and reopen support on open claims
- Denied and underpaid claim review
- Insurance appraisal representation
- Mediation representation
- Litigation support for policyholder attorneys
- Engineering and expert coordination when a claim needs it
Insurance appraisal, in depth
Some claims stall on one question: how much is the loss? Coverage is not the fight. The number is. Most property policies carry an appraisal provision for exactly that disagreement.
Under appraisal, you name an appraiser and the carrier names an appraiser. The two appraisers choose an umpire. If the appraisers cannot agree on the amount of loss, the umpire decides the disputed items. An award signed by any two of the three is typically binding on the amount of loss.
The costs are real, and we state them plainly. You pay your own appraiser. You pay half of the umpire fee. The carrier pays its appraiser and the other half. Appraisal decides the amount of loss. It does not decide coverage, and it is not the right tool for every claim. We tell you when it fits your claim and when it does not, before you spend anything on it.
Claims management for owners and managers
Business owners, property management companies, homeowner associations, and out-of-town owners use us to run claims day to day. One point of contact. One claim file. Plain reporting on what was claimed, what was paid, and what remains open.
Where your claim stands right now
Not filed yet
We inspect and document before you decide how to proceed.
Filed and underpaid
We compare the carrier's scope with the damage actually at the property, line by line, and present the difference with evidence.
Denied, or below the deductible
A light scope can push a real loss under a deductible it should clear. We document the full loss so the number is argued from evidence.
Why Policyholder Advocacy Group
The carrier's adjuster represents the carrier. A public adjuster represents the policyholder. Policyholder Advocacy Group has represented Florida policyholders since 2012, and Nathan Sheppard has worked insurance claims for 17 years. On cost: for residential claims, Florida caps the fee at 10% during the first year after a state of emergency declaration. Commercial claims are not under that cap. Our fee is a percentage of what we recover, and if we recover nothing, you pay nothing. Without representation, many owners walk away with far less or nothing at all.
Start with the inspection
The inspection is free, and there is no obligation to hire us afterward. We document the damage and tell you plainly where you stand. Call 800.511.2240 or request your free hurricane inspection.