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About

Public adjusters for Florida policyholders.

We represent you, not the insurance company. Florida-licensed, contingency-based, policy-first.

A public adjuster is a state-licensed professional who represents the policyholder in an insurance claim. In Florida, public adjusters are licensed by the Department of Financial Services (DFS) under Florida Statute 626.854.

PANM is an editorial resource. Content on this site is written and reviewed by licensed Florida public adjusters. When you submit a claim through this site, you are connected with a licensed public adjuster who handles your case directly.

Our fee is contingency-based. We only get paid if we recover more for you than the insurance company originally offered. If we take your case and recover nothing beyond the initial offer, you owe us nothing.

Free claim review

Get a free claim review from a licensed Florida public adjuster.

We review your policy and estimate at no cost. If we take your case, our fee only comes from the increased recovery.

  • Licensed Florida public adjusters
  • We work for policyholders, not insurance companies
  • No fee unless we recover more than you were offered
Step 1 of 6· Damage17%

What kind of damage?

Pick the closest match. We will ask for details later.

Why PANM

We work for policyholders, not insurance companies.

Public adjusters are licensed by the state of Florida (DFS) to represent you, the policyholder, in your insurance claim. We read the policy, document the loss, negotiate the settlement, and fight for what your coverage already promises.

  • Licensed & certified by Florida DFS
    Every adjuster on our network carries an active Florida public adjuster license. Verified, certified, and in good standing with the state.
  • Experienced. Contingency-based.
    Decades of combined Florida claim experience. Our fee comes from the settlement increase, not from your pocket upfront.
  • Policy-first review
    We read your policy, including the endorsements most homeowners never see.
(888) 824-1306
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