Your insurer has an adjuster. Do you?
The adjuster your insurance company sends works for them. Hire us and you've got one who works for you, before you ever file.
We get paid when you do.
- FL license W844279
- HAAG certified inspector
Start here. What happened at your house?
Tap the closest one, then leave your name and number. We call you back. Sending this doesn't hire us or sign you up for anything.Tell us what happened and leave your name and number. We'll call you to go over it. It's free, and you don't sign anything.
Rather talk now? Call (904) 822-9122
If it looks covered, we come out and inspect. The inspection is free.
What's often missed on your kind of damage.
One older state study found a gap. It can't predict yours.
In 2010 the Florida Legislature's research office looked at Citizens claims from the 2005 hurricanes. Policyholders with a public adjuster typically got more, before fees. One insurer, one storm season, years ago.
Source: Florida OPPAGA Report No. 10-06 (2010), median Citizens hurricane claim payments, before adjuster fees. Not a promise. Your claim is its own case.
So what's this going to cost you?
Nothing up front. We take a share of what your insurance company pays you. Florida law caps that share at 20 percent on a normal claim, and 10 percent on a claim from a declared emergency in the year after the declaration.
No recovery, no fee. Change your mind? Cancel within 10 days of signing, no penalty. More on cost.
Read the law
“Twenty percent of the amount of insurance claim payments or settlements, exclusive of attorney fees and costs, paid to the insured by the insurer for claims that are not based on events that are the subject of a declaration of a state of emergency by the Governor.”
Florida Statute 626.854(11)(b)2
“Ten percent of the amount of insurance claim payments or settlements, exclusive of attorney fees and costs, paid to the insured by the insurer for claims based on events that are the subject of a declaration of a state of emergency by the Governor. This provision applies to claims made during the year after the declaration of emergency.”
Florida Statute 626.854(11)(b)1
$0 up front
8090 cents or more of every dollar your insurance company pays stays yours
2010 cents at most is our fee, the cap in Florida law
What happens after you call
One call starts it. Once you've hired us, we handle the back and forth with your insurance company and keep you in the loop on every decision.
You call
Tell us what you found. We tell you if it looks like a claim and what your policy covers. The call is free, and it doesn't hire us.
We come out and inspect
Drone over the roof, thermal camera and moisture meter on the walls. Then we photograph and measure everything we find.
We file and push back
We write the estimate, file the claim and go back and forth with your insurance company. You don't have to.
If the claim pays
When your insurance company pays, our fee comes out of that check.
Will they drop me for this?
Not for a storm claim on its own. Florida law says so.
One catch. When your policy comes up for renewal, they can still drop you for a substantial change in the risk, and they owe you 120 days written notice and a reason. We tell you that before you file, not after. Read the full answer.
Read the law
“Claims on property insurance policies that are the result of an act of God may not be used as a cause for cancellation or nonrenewal, unless the insurer can demonstrate, by claims frequency or otherwise, that the insured has failed to take action reasonably necessary as requested by the insurer to prevent recurrence of damage to the insured property.”
Florida Statute 627.4133(3)
Think it's too late?
Often it isn't. A denied claim, a low check, even a closed claim can be reopened or added to.
It comes down to your policy and the date the damage happened. Call with both and we check while you're on the phone. No promises until we've looked.
Read the law
“Compensation for the reopened or supplemental claim may not exceed 20 percent of the reopened or supplemental claim payment. In no event shall the contracts described in this paragraph exceed the limitations in paragraph (b).”
Florida Statute 626.854(11)(a)
Their first offer, and where it ended up
Six Florida claims we worked. Tap a card to see which insurance company it was and what changed the number.
Past results don't promise a result on your claim. Every claim is its own case. Photos are representative, not the homes in these claims.
You're not the only one. Florida insurance, in the news.
This year's stories, and what each one means if you've got a claim open.
News4JAX (WJXT)
Florida homeowners insurance rates drop, more cuts on the way (opens in a new tab)
Four insurers cut rates for over 62,000 policyholders, and the state expects more rate decrease filings ahead.
Artemis.bm
Florida Citizens renews $2.82bn of reinsurance & cat bonds. Cites 30% YoY price decline (opens in a new tab)
Lower reinsurance costs for Citizens may support steadier future rates, though an individual premium is not guaranteed to fall.
Insurance Journal
To Carriers' Relief: New Florida Rule Won't Count Mediation Requests as Complaints (opens in a new tab)
Filing a mediation request no longer counts as an official complaint against an insurer under the new state rule.
CBS Miami
Florida homeowners face new insurance rules ahead of the 2026 hurricane season. Here's what to know. (opens in a new tab)
New rules set a one year claim filing deadline and require insurers to respond to claims within 60 days.
Tampa Bay Times (News Service of Florida)
Property insurance experts cautiously optimistic ahead of hurricane season (opens in a new tab)
A calmer storm outlook and past reforms have insurers hopeful, though a single hurricane could reverse recent market gains.
WUSF Public Media
Homeowners insurance in Florida increased at double the national rate, report says (opens in a new tab)
Florida premiums rose 75 percent from 2021 to 2025, nearly double the 38 percent national average increase.
Florida Office of Insurance Regulation
Insurance Commissioner Mike Yaworsky Announces New Property & Casualty Insurers, Making 20 Companies Entering the Market Since Historic Legislative Reforms (opens in a new tab)
More insurers entering the Florida market can widen coverage choices for homeowners shopping for a new policy.
Spectrum News 13 (Orlando)
Private Florida insurers use Citizens' data to pick policies (opens in a new tab)
Private insurers use Citizens data to select lower risk policies, leaving higher risk homes concentrated with Citizens.
Citizens Property Insurance Corporation
Citizens' 2026 Multiperil Rates to Drop Statewide (opens in a new tab)
Most Citizens homeowners policies get a rate cut at their 2026 renewal, with the amount varying by county.
Florida Realtors
Florida Insurance Fee Ends Two Years Early (opens in a new tab)
A 1 percent emergency assessment on property insurance policies ends October 1, 2026, ahead of schedule.
Headlines as each outlet published them. Secure Claims Group isn't affiliated with these outlets.
Questions everyone asks
The ones we hear most. The full list, with the statutes, is on the FAQ page.
What is a public adjuster?
A state licensed adjuster you hire to work your claim for you. The one your insurance company sends works for them.
Should I call a public adjuster before my insurance company?
If you want help, yes. You can file on your own, but a claim that hasn't started yet is easier to set up right than one that's already been denied. We take claims at any stage.
Can I hire a public adjuster after filing a claim?
Yes. Open claim, low offer, flat denial. We can step in on any of them.
What should I do first after damage to my home?
Stop it from spreading: tarp the roof, shut the water off. Photograph everything before it gets cleaned up and keep every receipt. Then call us.
Should I sign a contractor's assignment of benefits?
Not until someone on your side has read it. Call us first. We'll read it with you before you sign anything that hands your claim to somebody else. You decide, and there's no obligation to hire us.
What part of Florida do you cover?
All of Florida. Office: (904) 822-9122.
Licensed in Florida. Look us up.
Don't take our word for it. Two licenses from the Florida Department of Financial Services, plus a HAAG certification. Look either one up under Licensee Search at myfloridacfo.com.
Not sure yet? Call with questions.
The call is free, and you don't have to hire us. We get paid when you do. Or pick your damage in the form at the top, and we'll call you.