Why policyholders hire Policyholder Advocacy Group

Your carrier sent its own adjuster to your property. That adjuster represents the carrier, and a public adjuster represents you. Policyholder Advocacy Group works on one side of the claim only: yours. We inspect the damage, document the full loss, price it, and present it to your carrier under the terms and conditions of your policy.

Get My Free 21-Point Storm Inspection or Call 800.511.2240.

Insurance company offer: $6,079.06. Result after PAG: $274,450.46.

That one case shows the gap between a first offer and a claim that gets fully documented. We build your claim file the same way, with photos, measurements, and the policy language that covers each item.

The study is the state's, not ours

In January 2010, the Florida Office of Program Policy Analysis and Government Accountability published Report 10-06. That office works for the Florida Legislature. It studied claims filed with Citizens Property Insurance after the 2005 hurricane season and compared claims handled with a public adjuster against claims handled without one. On certain 2005 hurricane claims, policyholders with a public adjuster received payments 747% higher than policyholders who carried the claim alone. On non-catastrophe claims, the figure was 574% higher.

Read the limits with the number. The payments are historical. They come from a different storm season. The study counted payments before public adjuster fees. None of it is a promise about your claim. What it shows is a pattern a state office measured on real claim files: a claim presented by a professional on your side is a different claim than one you carry alone.

Nearly 8,500 Isaias claims already closed without a payment

Hurricane Isaias made landfall near Destin on October 9, 2026, with 105 mph sustained winds. Pensacola took a 102 mph gust. Santa Rosa County filed more than 26,000 claims. Escambia County filed about 17,000. Statewide, the Florida Office of Insurance Regulation counted nearly 55,000 claims in the first weeks after the storm.

Most Isaias claims are still open, and the carrier's first scope is rarely the full loss. A scope written after a short visit can miss roof damage, water that moved inside walls, and loss in rooms nobody opened. We document the whole loss at your property. The number on the table then comes from evidence, not from a short walk-through.

One side only, since 2012

Nathan Sheppard has worked insurance claims for 17 years. He founded Policyholder Advocacy Group in January 2012 to work for policyholders and nobody else. He has never worked for an insurance company, and this firm does not take carrier work. He is a licensed Florida public adjuster, FL#P193861, and a member of FAPIA, the Florida Association of Public Insurance Adjusters.

That history matters when a carrier pushes back. We know what a complete claim file looks like. We build yours to that standard from day one, and we answer a light scope with photographs, measurements, and the policy language that covers the item.

What changes when you hire us

We start with a Free 21-Point Storm Inspection at your property. We show you the damage we find, including damage the first visit missed. Then we document it, price the full loss, and present the claim. We meet the carrier's adjuster at your property. You get one claim file and one point of contact. You stop chasing adjusters, portals, and paperwork.

If a claim stalls on the amount of loss, we can take it to appraisal or mediation. The goal never changes: the maximum amount owed to you under the terms and conditions of your policy.

How we work your claim

1. We inspect.
2. We document.
3. We measure.
4. We estimate.
5. We review the policy and carrier scope.
6. We present and negotiate the claim.

What it costs

For residential claims, Florida caps the fee at 10% during the first year after a state of emergency declaration. And 10% of nothing is nothing. Commercial claims are not under that cap. Our fee is a percentage of what we recover for you. If we recover nothing, you pay nothing.

Start with a free inspection

The inspection costs nothing, and it obligates you to nothing. We document the damage and tell you plainly where you stand. Call 800.511.2240 or request your free hurricane inspection.