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Frequently Asked Questions

A Public Adjuster is an independent insurance professional that a policyholder (homeowner or business owner) may hire to help settle an insurance claim on his or her behalf to level the playing field and maximize the recovery!

  • A Public Adjuster quarterbacks the complicated claims process and helps avoid potential pitfalls along the way.
  • A Public Adjuster has a professional license to interpret insurance policies.
  • A Public Adjuster represents both commercial and residential policyholders only — not the insurance companies.
  • A Public Adjuster is the only type of claims adjuster that can legally represent the rights of the insured during the claim process.
  • A Public Adjuster negotiates a maximum settlement to ensure there are enough funds to bring policyholders back to a pre-loss condition.
  • A Public Adjuster is NOT a contractor, nor do they perform the work. No Assignment of Benefits is signed. Policyholder retains control of how to allocate the funds.

When you submit an insurance claim, your insurance company employs an adjuster who evaluates the loss. Their Adjuster represents the insurance company’s best interest.

Five Star's purpose is to look out for your best interest! We level the playing field and work for you, not the insurance company. Our Adjusters prepare, file, and negotiate maximum dollar settlements for your insurance claim.

A Public Adjuster is to insurance claims what an accountant is to taxes or an attorney is to lawsuits. Having professional representation ensures the best chance for a favorable outcome.

Types of claims we handle:

  • Hurricane / Tornadoes
  • Hail / Wind
  • Roof Leaks / Ceiling Stains
  • Roof replacement
  • Plumbing issues
  • Failed Drain Lines
  • Toilet and Laundry Overflow
  • Cabinet Damage
  • Pipe Breaks
  • HVAC Overflow
  • Hot Water Heater
  • Shower valves leaks
  • Flooding
  • Smell or presence of Mold
  • Stucco and Siding
  • Fire/Some Damage
  • Personal property
  • Theft or Vandalism

Our Services:

  • Complete a detailed estimate of what is required to repair or rebuild your dwelling.
  • Help navigate through your policy coverages and deadlines required by your insurance policy.
  • Conduct a complete evaluation of all your damaged property and compile forensic evidence to support your claim.
  • Prepare documents required for your business interruption, loss of use, and additional living expenses claim.
  • Engage the services of engineers, construction consultants, and financial consultants to support your claim.
  • Coordinate all inspections with contractors and insurance company adjusters.
  • Meet with your insurance company as YOUR representative to have your claim settled fairly and equitably.

We have the ability to re-open previously filed claims for both commercial and residential property owners, even if they were denied or underpaid. If you, the property owner, filed a claim yourself without using a Public Adjuster, the chances are you may be not been not fully compensated for all of your damages. Call Five Star Claims Adjusting to schedule a complimentary claim review and assessment of your property.

According to a study by The Office Program Policy Analysis and Government Accountability (OPPAGA), policyholders with Public Adjuster representation typically received higher settlements than those without Public Adjusters. The study offers an example of the average compensation for 2005 hurricane claims in FL. They were 747% higher when a public adjuster was involved. You could prepare and submit your own property insurance claim, however, you might be at a sizable disadvantage without the knowledge of the rules, procedures, deadlines, and coverages of your policy. Imagine that you are going to trial without an attorney.

For your best interest, you should make a claim as soon as possible. The sooner you make a claim, the sooner you can start the repair, remediation, and recovery process. Call us immediately after any damages or losses or even for a free inspection to ensure you have no damage.

Avoid these possible consequences:

  • Paying unnecessary out of pocket expenses for home repairs.
  • Potentially losing your current insurance due to a failed property inspection.
  • Risk of potential cancellation of sale of property due to need for repairs.

We serve all of Florida

We represent you, not the insurance company.
Central Florida

1060 Maitland Center Commons Blvd.,
Suite 225,
Maitland, FL 32751

(321) 444-6981

South Orlando

5802 Hoffner Avenue,
Suite 705,
Orlando FL 32822

(321) 295-7021

South Florida

1640 West Oakland Park Blvd.,
Suite 202,
Fort Lauderdale, FL 33311

(954) 302-1106

Southwest Florida

6151 Lake Osprey Drive,
Suite 345,
Sarasota, FL 34240



2950 W Cypress Creek Rd.,
Suite 125,
Fort Lauderdale, FL 33309

(754) 223-5575

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