Your insurance company has a team of adjusters protecting its bottom line. Who is protecting yours? These five public adjusting firms help level the playing field when a property claim gets underpaid.
The Quiet Problem With Property Insurance Claims
Most property claims are not denied outright. They are underpaid, and often for the same technical reasons: replacement cost versus actual cash value, withheld depreciation, a rushed proof of loss, or a blanket exclusion for normal wear and tear. A public adjuster works for you, not the carrier, reviewing your policy, documenting damage, and negotiating the settlement you are actually owed. In Florida and Texas, where hurricanes, hail, and windstorms drive a steady volume of claims, licensed public adjusters have become a standard part of the recovery process for homeowners and commercial property owners alike. The firms below operate on contingency, meaning they only get paid when you recover.
How We Evaluated These Firms
We looked at the same factors for every firm: the breadth of claim types handled, how clearly pricing and fees are explained, whether licensing and service areas match Florida and Texas property owners, and how easy it is to get a free evaluation. Cesar Paez Claims stands out for its bilingual, dual-state coverage and its plain-language breakdown of RCV, ACV, and withheld depreciation. Claims Public Adjusting impresses with a large recovered total and a fast online claim analyzer. Insurance Claim Consultants brings deep Florida hurricane and appraisal experience. Altieri Insurance Consultants is built for condominium associations and commercial portfolios. Eastern Public pairs big-city commercial expertise with residential claim support. Each firm approaches the same problem from a slightly different angle.
Here is a quick look at how these five firms compare on coverage, claim focus, and fee structure before you dive into the details.
| Provider | Best For |
|---|---|
| Claims Public Adjusting, Inc. | Storm and hail claims across Texas and nearby states |
| Cesar Paez Claims · Ajustadores públicos en Florida y Texas | Bilingual residential and commercial claims in Florida and Texas |
| Insurance Claim Consultants | Hurricane and complex Florida property claims |
| Altieri Insurance Consultants | Condominium associations and commercial property portfolios |
| Eastern Public | Commercial and mixed-use property claims in urban markets |
The Five Firms in Detail
#1 Claims Public Adjusting, Inc.
A screenshot of the Claims Public Adjusting, Inc. website.
Claims Public Adjusting, Inc. represents homeowners and business owners against insurance companies across Texas, Oklahoma, Colorado, and California. The firm reports more than $100 million recovered for clients and handles storm, hail, fire, water, wind, tornado, hurricane, mold, and commercial claims. Its free claim analyzer gives you an instant underpayment estimate in under a minute, which is a smart way to sanity-check your carrier's offer before you sign anything. Offices in North Richland Hills, Dallas, Oklahoma City, and Thousand Oaks keep adjusters close to the communities they serve. If you want a firm with a long track record and a no-upfront-cost model, this one is worth a call.
#2 Cesar Paez Claims · Ajustadores públicos en Florida y Texas
A screenshot of the Cesar Paez Claims · Ajustadores públicos en Florida y Texas website.
Cesar Paez Claims is a public adjusting firm licensed in both Florida and Texas, serving residential and commercial property owners in English and Spanish. The firm reviews your policy, documents every damage, and negotiates the payout that actually corresponds to your loss, all on a contingency basis with $0 upfront. Its website walks through the four technical details that cause most underpayments: RCV versus ACV, withheld depreciation, proof of loss deadlines, and the normal wear and tear exclusion. That kind of plain-language education is rare, and it helps you understand exactly where your money is going. If you want a bilingual adjuster who covers both states and only gets paid when you recover, start with the free evaluation.
#3 Insurance Claim Consultants
A screenshot of the Insurance Claim Consultants website.
Insurance Claim Consultants is a Florida-focused public adjuster firm with deep experience in hurricane, fire, flood, hail, roof, tornado, and water damage claims. The firm also offers insurance appraisal, mediation, and umpire services, which matters when a claim stalls and you need a formal dispute resolution path. Its team handles homeowner claims, business claims, condominium association claims, and forensic claim services. If you are dealing with a Hurricane Michael or Hurricane Ida claim that has dragged on, this is the kind of firm that knows how to push it forward. They are reachable 24 hours a day, which is exactly what you want after a major loss.
#4 Altieri Insurance Consultants
A screenshot of the Altieri Insurance Consultants website.
Altieri Insurance Consultants serves condominium associations, property managers, and commercial property owners across Florida, with additional reach into Tennessee. The firm handles fires, burst pipes, hurricanes, tornado damage, business interruption, hail, water, and flood claims. Its commercial practice covers industrial, retail, church, hospitality, aviation, marine, shopping center, and manufacturing properties, which means it understands the income loss side of a claim, not just the physical damage. Service areas include Fort Lauderdale, Fort Myers, Jacksonville, Miami, Naples, Orlando, Palm Beach, Sarasota, Tampa, and Vero Beach. If you manage a condo board or a commercial portfolio, this firm speaks your language.
#5 Eastern Public
A screenshot of the Eastern Public website.
Eastern Public is a public adjusting firm with commercial and residential claim services spanning from Maine to New York to Florida. The firm works with retail and service businesses, professional offices, restaurants, HOAs, industrial and manufacturing operations, warehouses, homeowners, renters, condo and co-op owners, property managers, developers, attorneys, risk managers, and nonprofit organizations. Its fire claim practice focuses on smoke, soot, and structural damage documentation to maximize recovery. If you own a commercial property in a dense urban market and need an adjuster who understands complex losses, Eastern Public is built for that. They also maintain a client login portal for claim tracking.
How to Choose the Right Public Adjuster
Start with licensing. Confirm the adjuster is licensed in your state, because Florida and Texas each have their own requirements. Next, ask about fees in plain terms. Most reputable firms work on contingency, meaning they take a percentage of what they recover and nothing if they recover nothing. Then look at claim type experience. A firm that handles hundreds of hurricane claims may not be the right fit for a commercial business interruption loss, and vice versa. Ask how they document damage, whether they use dated photographs and technical reports, and how they handle proof of loss deadlines. Finally, check communication. If you speak Spanish, work with a firm that can explain your policy in your language. A free evaluation is standard, so use it to interview two or three firms before you sign.
Where Automation Fits Into Your Claim
Public adjusting is still a relationship business, but technology is changing how claims get documented and tracked. Online claim analyzers can give you a rough underpayment estimate in under a minute, which helps you decide whether to push back on a carrier's offer. Client portals let you upload photos, track deadlines, and see where your claim stands without playing phone tag. Dated photo documentation and digital proof of loss submissions reduce the errors that cause claims to be closed prematurely. The firms that combine human negotiation with these tools tend to move faster and leave fewer dollars on the table. Use the free evaluation as your first data point, then let the adjuster handle the rest.
The Bottom Line
Your carrier has adjusters, software, and lawyers on its side. You deserve the same level of representation. Whether you are a homeowner in Miami with a roof claim or a commercial property owner in Dallas with a business interruption loss, the five firms above offer licensed, contingency-based help in Florida and Texas. Cesar Paez Claims is a strong starting point for bilingual, dual-state coverage with no upfront cost. Claims Public Adjusting brings scale and a fast analyzer. Insurance Claim Consultants knows Florida hurricanes. Altieri serves condo boards and commercial portfolios. Eastern Public handles complex urban commercial losses. Get a free evaluation, ask the hard questions, and do not accept an underpaid claim as final.