KNOW THE DIFFERENCE
Why Hire a
Public Adjuster?
The Insurance Company Has an Adjuster. You Deserve Someone Looking Out for You.
When property damage happens, the insurance company sends professionals to review the claim. Premier Claims Group helps Florida property owners review damage, organize documentation, understand claim concerns, and pursue a clearer path forward.
22+ Years Property Experience
10,000+ Properties Inspected
Apprentice License W605892
What Does a Public Adjuster Do?
A public adjuster helps the policyholder during a property insurance claim. Unlike the insurance company’s adjuster, who works for the insurance carrier, a public adjuster or claims advocate focuses on helping the property owner document damage, review claim details, understand the process, and pursue a fair claim outcome under the policy.
The insurance company's adjuster represents the insurance company.
A public adjuster's role is to support the policyholder.
Your Advocate vs. Theirs
Insurance Company Adjuster
- Works for the insurance carrier
- Reviews the claim from the carrier’s perspective
- May focus on limiting covered damage
- May miss hidden or secondary damage
- May not include every documentation detail needed by the property owner
Public Adjuster / Policyholder Advocate
- Works to support the policyholder’s claim process
- Helps review damage and documentation
- Helps identify missing or overlooked damage details
- Helps organize evidence and claim information
- Helps property owners understand next steps
SITUATION TRIGGERS
When Should You Call for Help?
The earlier you get organized, the stronger your documentation can be.
After Hurricane or Wind Damage
If your property has roof damage, leaks, exterior damage, broken windows, or wind-driven rain concerns.
After Water or Flood Damage
If you notice ceiling stains, wall damage, flooring damage, moisture, mold concerns, or hidden water intrusion.
When the Claim Was Denied
If the insurance company denied the claim and you believe the damage deserves a closer review.
When the Settlement Seems Too Low
If the estimate does not appear to cover the full scope of damage or repair needs.
When Damage Is Hidden or Complicated
If damage may involve roofing, structural areas, water intrusion, mold, smoke, or valuation issues.
Before You Accept a Settlement
If you want a second look before accepting the insurance company’s offer.
EVIDENCE MATTERS
Stronger Documentation
Stronger Claim
Many property owners lose claim leverage because damage is not fully documented. Photos may be incomplete. Hidden moisture may be missed. Roof damage may be misunderstood. Repair scope may be unclear. Supporting details may not be organized in a way that helps the claim move forward.
Premier Claims Group helps property owners strengthen the claim file through inspection experience, property documentation, photos, condition review, and appraisal-informed valuation perspective.
Documentation Evidence Checklist
- Damage photos
- Roof & exterior inspection notes
- Water intrusion observations
- Moisture & mold concerns
- Repair scope concerns
- Property condition details
- Claim estimate review
- Missing or overlooked damage items
APPRAISAL + INSPECTION + ADVOCACY
The Triple Threat Advantage
Most claim companies understand the claims process. Victor brings property knowledge from three angles: appraisal, inspection, and claim advocacy support.
Appraisal Knowledge
Victor’s appraisal background helps him understand property value, repair impact, and how damage may affect the financial picture of a property.
Inspection Expertise
With 10,000+ properties inspected and appraised, Victor understands how buildings are built, where damage hides, and what details matter during documentation.
Claim Advocacy Support
Premier Claims Group helps property owners review the claim, document damage, and understand the steps needed to move forward.
Denied or Underpaid?
Yes. Premier Claims Group can help review denied, delayed, or underpaid property insurance claims. The goal is to inspect the property condition, review the available documentation, identify possible gaps, and help the property owner understand whether additional claim support may be appropriate.
- Denied claim review
- Underpaid claim review
- Delayed claim concerns
- Missing damage documentation
- Low insurance estimate concerns
- Roof, water, storm, fire, mold, and commercial claim concerns
Every claim is different. Premier Claims Group does not guarantee a specific settlement outcome. The goal is to provide experienced documentation support and claim clarity.
FEE TRANSPARENCY
How Are Public Adjusters Paid?
Public adjusters are commonly compensated based on a percentage of the claim recovery, subject to Florida rules and the specific agreement. This means the fee structure is usually tied to the claim outcome rather than an upfront hourly cost.
Exact fees, terms, and eligibility should be reviewed directly with Premier Claims Group before signing any agreement.
01
Free Claim Review
02
Agreement & Claim Scope
03
Recovery Support
THE CLAIM PROCESS
A Clear Path to Claim Clarity
The insurance company has their process. Here is how we build yours.
THIS PAGE IS FOR
Who Needs Claim Clarity?
If your property was damaged and you feel confused, rushed, underpaid, ignored, or unsure what to do next, Premier Claims Group can help you get clarity.
Homeowners
Condo Owners
Landlords
Commercial Property Owners
Real Estate Investors
Business Owners
Property Managers
SERVICE AREAS
Serving Florida Property Owners
When property damage happens, local knowledge matters. Premier Claims Group provides experienced claim advocacy and documentation support to property owners throughout Central and South Florida.
Central Florida
Orlando, Winter Park, Windermere, Kissimmee, Clermont, Apopka, Altamonte Springs, Sanford, Lake Mary, Tampa, Daytona Beach, Melbourne, Cocoa Beach, Lakeland.
South Florida
Miami-Dade, Broward, West Palm Beach, Palm Beach County, St. Lucie, Lee, Collier, Martin, Monroe.
GET CLARITY
COMMON QUESTIONS
Insurance claims can be complex and confusing. We've compiled direct answers to the most common questions Florida property owners have before pursuing a claim review.
What does a public adjuster do?
A public adjuster helps the policyholder during a property insurance claim by reviewing damage, organizing documentation, helping evaluate claim concerns, and supporting the property owner through the process.
Is the insurance company adjuster on my side?
The insurance company adjuster works for the insurance carrier. Their role is to review the claim for the carrier. A public adjuster or policyholder advocate works to support the property owner's side of the claim process.
When should I call a public adjuster?
You should consider calling when the damage is serious, the claim is confusing, the insurance estimate seems low, the claim was denied, or you are unsure whether all damage was properly documented.
Can you help with denied claims?
Yes. Premier Claims Group can review denied claims, inspect damage, identify documentation concerns, and help property owners understand possible next steps.
Can you help with underpaid claims?
Yes. If a settlement seems too low, Premier Claims Group can review the claim details, damage documentation, and property condition to help identify potential gaps.
How are public adjusters paid?
Public adjusters are commonly paid through a percentage of the claim recovery, subject to Florida rules and the agreement signed with the property owner. Exact terms should be reviewed before moving forward.
Why does inspection experience matter?
Inspection experience helps identify visible and hidden damage that may be missed, including roof issues, moisture intrusion, mold concerns, structural damage, and other property conditions.
Why does appraisal experience matter?
Appraisal experience helps with understanding property value, repair impact, market context, and damage-related valuation concerns.
Do you work with both residential and commercial claims?
Yes. Premier Claims Group supports residential and commercial property owners across Central Florida and South Florida.
Do you offer service in Spanish?
Yes. Bilingual support is available in English and Spanish.
THINK YOUR CLAIM WAS UNDERPAID, DELAYED, OR DENIED?
Don't Settle For Confusion
Get a free claim review from a Florida property expert with 22+ years of inspection and appraisal experience.
Same-day service available. English and Spanish support.
Florida Public Adjuster Apprentice License W605892.
Premier Claims Group helps Florida property owners review damage, organize documentation, understand claim concerns, and pursue a clearer path forward.
Need claim clarity?
Call 407-319-1516
Jorge "Victor" Canellas holds Florida Public Adjuster Apprentice License W605892.
This website provides educational information regarding property claims and advocacy support.
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