A public adjuster helps policyholders file and negotiate insurance claims for property damage. They work for the insured, not the insurance company, and are paid a percentage of the claim settlement. In Florida, public adjusters must be licensed, and fees are capped at 10% during a declared emergency and 20% otherwise. Be cautious of adjusters who pressure you or demand upfront fees. Using a public adjuster can speed up recovery but reduces your final payout because their fee will be taken from the final payout for repairs. #adjuster #publicadjuster #adjusterfee