Your insurance company has adjusters. Now you do too.
After a hurricane, your insurer sends its own adjuster to decide what your claim is worth. Calmwater Home connects you with a vetted team of licensed Florida public adjusters who work for you — and only get paid when you do.
- Free review of your claim, offer or denial letter
- Every item documented: roof, interior, contents, living expenses
- They negotiate with your insurer so you don’t have to
- No fee unless you get paid — capped at 10% on Isaias claims by Florida law
For homeowners in Escambia · Santa Rosa · Okaloosa · Walton · Bay · Holmes · Washington counties
Policyholders with a public adjuster got paid far more
The Florida Legislature’s own research office (OPPAGA) studied Citizens Property Insurance claims from the 2005 hurricanes. When homeowners hired a public adjuster, catastrophe-claim settlements averaged 747% higher.
Source: Florida Legislature, Office of Program Policy Analysis & Government Accountability (OPPAGA), Report 10-06. Every claim is different; past results don’t guarantee yours.
The insurer’s adjuster works for the insurer
Insurance companies have trained adjusters on every claim. Most homeowners face them alone. A licensed public adjuster evens that out — they work only for you.
Nothing left off the claim
Photos, moisture readings and a line-by-line estimate — roof, interior, contents and extra living expenses.
Works only for you
Insurance company adjusters represent the insurer. A public adjuster represents the policyholder.
No back-and-forth for you
Calls, re-inspections, paperwork and negotiation are handled for you.
No fee unless you get paid
Free claim review
Answer a few questions and a licensed public adjuster from our team calls to review your situation.
Damage documented
They inspect the property and build a detailed, itemized estimate of your full loss.
Claim negotiated
They present and negotiate your claim. Their fee is a percentage of what you’re paid — capped by Florida law at 10% on Isaias claims for the first year.
Public adjuster FAQ
What does a public adjuster cost?
Nothing upfront, and nothing unless you get paid. The fee is a percentage of the claim payment. For claims from a declared state of emergency like Isaias, Florida law caps it at 10% for the first year after the declaration (20% afterward). The exact fee is written in your contract.
Will I get more money?
Many homeowners do. A Florida Legislature (OPPAGA) study found catastrophe claims settled for 747% more on average when a public adjuster was involved. Your result depends on your damage and your policy.
Why not just deal with my insurer myself?
You can. But the adjuster your insurer sends works for the insurance company. A public adjuster works for you, knows what to document and how to push back on a low offer.
My claim was already denied or paid. Is it too late?
Not necessarily. Florida law allows reopened and supplemental claims within set time limits. A public adjuster can tell you what applies to you.
Who are the adjusters?
Licensed Florida public adjusters vetted by Calmwater Home and working Isaias claims in the Panhandle. Calmwater Home connects you with them; we are not a public adjuster ourselves.
THIS IS A SOLICITATION FOR BUSINESS. IF YOU HAVE HAD A CLAIM FOR AN INSURED PROPERTY LOSS OR DAMAGE AND YOU ARE SATISFIED WITH THE PAYMENT BY YOUR INSURER, YOU MAY DISREGARD THIS ADVERTISEMENT.
Find out what your claim should really be worth.
Free review by a licensed Florida public adjuster from our vetted team. No fee unless you get paid.
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