Frequently Asked Questions (FAQ)

A Public Adjuster is a licensed professional who represents property owners in the insurance claims process. Unlike the insurance company’s adjuster, who protects the insurer’s interests, a Public Adjuster works exclusively for you—the policyholder—to ensure your claim is properly documented, valued, and paid.

Insurance policies are complex, and insurance companies often try to minimize payouts. At Valor Public Adjusters, we level the playing field by:

• Reviewing your policy in detail

• Documenting all damages thoroughly

• Using up-to-date pricing for repairs

• Handling all communication with the insurance company

• Negotiating to secure the maximum settlement you are entitled to

Hiring us helps avoid underpaid or denied claims, saving you time, stress, and potential financial loss.

We represent property owners for residential and commercial claims including:

• Wind and hail damage (hurricanes, tornadoes, storms)

• Water damage (plumbing leaks, appliance malfunctions)

• Flood damage

• Fire and smoke damage

• Mold damage

• Vandalism and theft
  Whether it’s a new, denied, or underpaid claim—we can help.

The best time to call is immediately after damage occurs, before filing your claim. This ensures every step—from reporting the loss, to inspections, to documentation—is done correctly. We can also step in if your claim has already been filed, delayed, denied, or underpaid.

We work on a contingency basis, which means there are no upfront fees. We only get paid when you do. Our fee is a percentage of the final settlement we help secure, and it is regulated by state law.

Do not assume their first offer is final or fair. In many cases, initial offers are significantly lower than what is needed for proper repairs. We will review your offer, compare it against actual repair costs, and negotiate for the full amount you deserve.

Yes. In Florida, claims can often be reopened if new damage is discovered or if you received an underpaid settlement. We can review your past claim and determine if additional compensation is possible.

Absolutely. We assist single-family property owners, condo associations, apartment complexes, retail spaces, offices, and more. No matter the property type, our process is built to protect your investment.

No. In fact, having a Public Adjuster usually helps move the process faster because we know how to present claims in a way insurance companies must respond to. Our expertise reduces unnecessary delays and disputes.

It’s simple. Call us or fill out our contact form to schedule a free consultation. We’ll review your situation, explain your options, and guide you through the next steps at no cost or obligation.