Your Ally
In Every Claim
Guardian Public Adjusters is a veteran owned public adjusting firm representing policyholders—not insurance companies—throughout the property insurance claims process. We advocate on behalf of homeowners and business owners to ensure claims are properly documented, accurately valued, and fairly settled.
Overview
Dedicated to Your Interests
Our dedication is to policyholders—not insurance companies. We manage property damage insurance claims with precision, clarity, and professionalism, guiding clients through each stage of the process with steady advocacy.
Who We Represent
We represent property owners navigating residential and commercial insurance claims, including homeowners and business owners seeking representation after a loss. Our responsibility is solely to the policyholder.
Our Role
We approach every claim with attention to detail and a clear understanding of the policyholder's interests.
About Us
Built on Clarity & Advocacy
Guardian Public Adjusters represents policyholders in managing the entire claims process, including on site damage assessment, claim preparation, policy interpretation, negotiation with insurance carriers, and settlement review.
Established after firsthand experience with a major hurricane-related property loss, Guardian Public Adjusters is built on clarity and advocacy with a client first approach. We protect your interests and stand by you as your ally in every claim.
Contingency Fee Structure
Our fee is contingent upon recovery and settlement—not upfront. This aligns interests and reflects our commitment to advocating for fair outcomes on your behalf.
Licensing & Compliance
Guardian Public Adjusters operates in full compliance with state licensing and requirements.
Public Adjuster Firm FL #G311991 | Public Adjuster FL #G250371
What We Do
Comprehensive Claims Management
From damage assessment to settlement review, we handle every aspect of your insurance claim
Residential Property Damage
Representation for homeowners navigating residential insurance claims after property loss
Residential Claims
Comprehensive assessment of damage to your home and belongings
Documentation of all structural and content losses
Policy review to maximize your residential coverage
Direct negotiation with insurance carriers on your behalf
Ensuring fair settlement for repairs and reconstruction
Commercial Property Damage
Professional advocacy for business owners facing commercial property insurance claims
Commercial Claims
Thorough evaluation of building and equipment damage
Business interruption and loss of income documentation
Inventory assessment and contents loss evaluation
Complex commercial policies and adjusting large losses
Windstorm, Hurricane & Hail
Specialized representation for severe weather damage including hurricanes, windstorms, and hail
Storm Damage
Complete roof and exterior damage assessment from wind and hail
Documentation of damage to structure and contents
Ensuring storm-related losses are included in your claim
Flood & Water Damage
Flood loss assessment from inundation and water damage claims
Water & Flood Claims
Thorough inspection of water damage from flooding or water leaks
Specialized knowledge of NFIP flood insurance policies and adjusting requirements
Detailed documentation of all affected areas
Maximizing coverage for water extraction, drying, and restoration
Fire & Smoke Damage
Comprehensive advocacy for fire and smoke damage claims for all property types
Fire Damage Claims
Complete assessment of fire, smoke, and soot damage
Evaluation of structural damage and necessary repairs
Advocacy to ensure fair coverage for fire restoration
Supplemental & Reopened Claims
Representation for supplemental claims and reopening of previously settled claims
Supplemental Claims
Review of previous settlements for missed or undervalued damage
Identification of additional covered losses not initially claimed
Documentation supporting supplemental claim submissions
Negotiation to reopen and amend existing claim settlements
Ensuring all covered losses are properly compensated
Our Process
From damage assessment to settlement review, we handle every aspect of your insurance claim
Consultation & Policy Evaluation
Initial consultation to understand your loss and review your insurance policy coverage
Property Inspection & Documentation
Comprehensive on-site damage assessment with detailed photo and video documentation
Claim Preparation & Submission
Professional preparation of your claim with accurate valuations and supporting documentation
Insurer Communication & Negotiation
Direct communication with insurance carriers, advocating for your interests throughout
Settlement Evaluation & Resolution
Thorough review of settlement offers and negotiation to achieve fair outcomes
Final Resolution & Support
Continued support through final settlement and ensuring your claim is fully resolved