Comprehensive Property Claim Assistance
From hurricane damage to denied claims, we handle every type of residential and commercial property insurance claim across Florida, Illinois, and Wisconsin.
What Is a Public Adjuster?
A public adjuster is a licensed insurance professional who works exclusively for you—the policyholder—not the insurance company. While the carrier sends its own adjuster to evaluate your claim (and minimize its payout), a public adjuster represents your interests throughout the entire claims process.
We inspect the damage, interpret your policy, prepare a detailed claim, negotiate with the insurance company, and fight for the maximum settlement your policy allows. From the initial inspection to the final payment, we handle everything so you can focus on recovery.
Liberty Public Adjusting Group is licensed in Florida, Illinois, and Wisconsin, with IIBEC-accredited experts who specialize in both residential and commercial property damage claims.
Three Adjusters in Every Claim
The Company Adjuster: Works for the insurance carrier. Their job is to minimize what the company pays you.
The Independent Adjuster: Hired by the carrier as a contractor. Despite the name, they represent the insurance company—not you.
The Public Adjuster (That's Us): Licensed to represent you, the policyholder. We work on your behalf to maximize your settlement. No recovery, no fee.
Claim Types We Handle
Expert Representation for Every Damage Scenario
Each claim type requires specialized knowledge. Our adjusters are trained in the specific documentation, policy language, and negotiation strategies needed for each category of damage.
Hurricane & Storm Claims
Comprehensive advocacy for hurricane, tropical storm, and severe weather damage to roofs, structures, and interiors.
Wind & Hail Damage
Expert documentation of hail impact, wind uplift, and storm damage that carriers often undervalue or dismiss as cosmetic.
Water & Leak Damage
Hidden moisture detection, causation analysis, and full-scope documentation for pipe bursts, roof leaks, and flooding.
Fire & Smoke Damage
Multi-layer claim management covering structural, smoke, soot, water, and contents losses, plus living expenses.
Roof & Structure Damage
IIBEC-accredited roof inspectors documenting every deficiency to manufacturer and building-code standards.
Mold & Environmental claims
Connecting mold growth to covered water events with scientific documentation and policy analysis.
Business Interruption
Forensic accounting and revenue analysis to recover lost income, continuing expenses, and relocation costs.
Denied/Under-Paid Claims
Re-opening denied claims, identifying carrier errors, and presenting supplemental evidence for higher recovery.
Why Trust Liberty
Your Claim is in Expert Hands
Free Inspections & Claim Reviews
Every engagement begins with a complimentary property inspection and policy review. There is no obligation and no cost to find out what your claim is worth.
Licensed, Bonded & Insured
We carry active public adjuster licenses in Florida, Illinois, and Wisconsin. We are fully bonded and insured for your protection.
IIBEC & OSHA Accredited
Our adjusters hold accreditations from the International Institute of Building Enclosure Consultants (IIBEC) and maintain OSHA safety certifications.
No Recovery, No Fee Guarantee
Our contingency fee structure means your interests are perfectly aligned with ours. We fight harder because our compensation depends on your results.
How It Works
Our Proven Process
Free Consultation
Call or submit a claim review. We evaluate your situation and explain your options—at no cost.
Property Inspection
Our team inspects your property using drones, thermal imaging, and forensic tools to document every element of damage.
Claim Preparation
We prepare a comprehensive claim package with detailed estimates, photographic evidence, and policy analysis.
Negotiation & Settlement
We negotiate directly with the insurance company to secure the maximum settlement your policy allows.
Real Results for Real People
Our clients consistently recover significantly more than the insurance company's initial offer. Here's what they have to say.
"Damage We Never Would've Found"
"After Hurricane Ian destroyed our roof, the insurance company offered $18,000. Liberty got us $67,000. They documented damage we never would have found on our own."
- Michael R.
Full Replacement Cost
"Our basement flooded, and the carrier tried to blame it on poor maintenance. Liberty's team proved it was a covered peril, and we received full replacement cost for everything we lost."
- Jennifer L.
They Handled Everything
"The fire was devastating, but Liberty made the insurance process manageable. They handled everything while we focused on our family. Highly recommend."
- David & Sarah K.
Ready to Get Started?
Schedule a free estimate with us today!