Public adjuster serving Florida homeowners and businesses
License #W818007

Florida Public Adjuster | JD Public Adjusters Inc.

Florida property owners face some of the most complex insurance claims challenges in the nation — hurricane season, sinkhole activity, tropical storms, flooding, and intense summer thunderstorms make Florida a high-risk state for property damage. JD Public Adjusters is your licensed Florida advocate, fighting to maximize every insurance settlement.

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Public Adjuster Services in Florida

Florida's unique geography and climate create a perfect storm of insurance complexities. The state's limestone geology makes it the nation's sinkhole capital. Atlantic and Gulf hurricane seasons threaten coastal and inland properties alike. Heavy rainfall and rising sea levels put low-lying areas at constant flood risk. These factors mean Florida insurance policies are among the most complex and contentiously litigated in the country.

As licensed Florida public adjusters (License #W818007), JD Public Adjusters knows Florida insurance law, knows Citizens Property Insurance, knows how Florida's Hurricane Deductible works, and knows how to fight for Florida property owners when insurers undervalue or deny claims. We serve all Florida counties and most major markets.

Florida public adjusters are licensed by the Florida Department of Financial Services. Florida law grants homeowners additional protections including a 3-year statute of limitations on reopened claims and specific sinkhole coverage requirements. JD Adjusters navigates all of these Florida-specific rules to your advantage.

Public adjuster and geotechnical engineer examining sinkhole damage at a Florida home

We Serve All of Florida

JD Public Adjusters Serving Orlando, FL

Florida Service Areas

We provide licensed public adjuster services throughout Florida. Select your city below to see local coverage details and available services.

Orlando, FL

Orange County

Orlando and the greater Central Florida region experience frequent summer thunderstorms, occasional tropical weather, and sinkhole activity in the region's karst limestone terrain.

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Miami, FL

Miami-Dade County

Miami faces intense hurricane threats, heavy annual rainfall, and rising sea levels that make flood and storm surge claims increasingly common in Miami-Dade County.

Roof DamageRoof LeaksWater DamageMold Damage +7 more

Tampa, FL

Hillsborough County

Tampa Bay sits in a prime hurricane zone and has been identified as one of the most hurricane-vulnerable major metros in the U.S., making storm damage claims common for Tampa homeowners.

Roof DamageRoof LeaksWater DamageMold Damage +7 more

Jacksonville, FL

Duval County

Jacksonville's coastal location and low-lying areas make it susceptible to nor'easter flooding, tropical weather, and wind damage from Atlantic storms.

Roof DamageRoof LeaksWater DamageMold Damage +7 more

Fort Lauderdale, FL

Broward County

Fort Lauderdale and Broward County face intense hurricane risk, heavy seasonal rainfall, and urban flooding that frequently results in property insurance claims.

Roof DamageRoof LeaksWater DamageMold Damage +7 more

West Palm Beach, FL

Palm Beach County

West Palm Beach and Palm Beach County homeowners face significant hurricane, wind, and flooding risks along Florida's southeastern coastline.

Roof DamageRoof LeaksWater DamageMold Damage +7 more

Sarasota, FL

Sarasota County

Sarasota's Gulf Coast location exposes properties to hurricane threats, tropical storm flooding, and wind damage, with sinkhole activity also a concern in this region.

Roof DamageRoof LeaksWater DamageMold Damage +7 more

Naples, FL

Collier County

Naples and Collier County experienced devastating hurricane impacts from Ian and Irma, making experienced public adjusters essential for Southwest Florida homeowners.

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St. Petersburg, FL

Pinellas County

St. Petersburg sits on a peninsula surrounded by Tampa Bay and the Gulf of Mexico, creating exceptional hurricane and storm surge vulnerability for Pinellas County property owners.

Roof DamageRoof LeaksWater DamageMold Damage +7 more

Kissimmee, FL

Osceola County

Kissimmee and Osceola County experience frequent summer storms, sinkhole activity, and are vulnerable to hurricane impacts that track across Central Florida.

Roof DamageRoof LeaksWater DamageMold Damage +7 more

Tallahassee, FL

Leon County

Tallahassee's inland location does not protect it from hurricane wind damage, as Michael's 2018 devastation of the Florida Panhandle demonstrated to North Florida homeowners.

Roof DamageRoof LeaksWater DamageMold Damage +7 more

Gainesville, FL

Alachua County

Gainesville property owners face tropical weather systems, heavy summer rainfall, and the sinkhole risks common throughout Central and North Florida.

Roof DamageRoof LeaksWater DamageMold Damage +7 more

Daytona Beach, FL

Volusia County

Daytona Beach and Volusia County coastal properties face significant Atlantic hurricane and nor'easter threats, with frequent storm damage claims following each active hurricane season.

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Fort Myers, FL

Lee County

Fort Myers and Lee County were ground zero for Hurricane Ian's catastrophic impacts in 2022, making experienced public adjusters essential for Southwest Florida homeowners navigating complex storm claims.

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Ocala, FL

Marion County

Ocala and Marion County sit in a region with significant sinkhole activity and face tropical weather systems that cause wind and water damage to residential and commercial properties.

Roof DamageRoof LeaksWater DamageMold Damage +7 more

Client Results in Florida

Real results for real property owners. Our contingency-based model means we only succeed when you do.

"After Hurricane Ian, my insurer offered me $18,000. JD Adjusters took over and got me $74,000. They were professional, thorough, and fought for every dollar I deserved."

Maria T.

Orlando, FL

Hurricane Damage
"My roof damage claim was denied twice. JD Adjusters reopened the claim, documented everything the insurer missed, and we settled for $41,000. Incredible service."

Robert K.

Houston, TX

Roof Damage
"The flood damage to my home was devastating. JD Adjusters navigated both my NFIP and homeowners policies and recovered over $90,000. I couldn't have done this alone."

Sandra M.

New Orleans, LA

Flood Damage

Need a Florida Public Adjuster?

JD Public Adjusters is licensed in Florida (License #W818007) and ready to fight for your maximum insurance settlement. Free consultation — no upfront fees.

No Upfront Fees Contingency-Based Licensed in 6 States Free Consultation Proven Results