Clear answers before your claim gets complicated.

A public adjuster represents the policyholder—not the insurance company. The work may include reviewing the policy, documenting damage, developing the repair scope and claim value, organizing supporting evidence, and communicating with the carrier on the policyholder’s behalf.

A public adjuster works for you, the policyholder. A company adjuster or independent adjuster generally works for or on behalf of the insurance carrier.

Property owners often seek help when a loss is large or complex, the scope is disputed, documentation is overwhelming, or a claim has been delayed, underpaid, or partially denied. Getting advice early can also help prevent avoidable documentation gaps.

Yes. Florida requires public adjusters to be properly licensed. Consumers should verify both the individual adjuster and the firm through the Florida Department of Financial Services before signing a contract.

Iron Reef operates as a Florida public adjusting firm. Patric Hewitt is a Licensed Florida Public Adjuster, license number W832695, and the firm license is G325996.

Keep photographs and video, damaged materials when safe, emergency-service invoices, repair proposals, receipts, correspondence, and a timeline of events. Take reasonable steps to prevent additional damage, but avoid permanent repairs until the damage is documented and the carrier has had a reasonable opportunity to inspect.

When applicable, Iron Reef develops a detailed scope and estimate supported by measurements, photographs, invoices, expert findings, and other evidence. The exact documentation depends on the property, cause of loss, policy, and stage of the claim.

Potentially. Iron Reef can review the policy, carrier estimate, correspondence, payments, and existing documentation to identify unresolved scope or valuation issues. Contract terms and Florida law may affect what services are available, so the first step is a claim review.

Iron Reef assists with residential, commercial, large-loss, fire, smoke, water, windstorm, hurricane, marine, and other complex property claims. Representation is accepted only after the facts, policy, timing, and potential scope are reviewed.

Public adjusters typically work for a percentage fee defined in a written contract. Florida law may cap fees depending on the circumstances, including declared states of emergency. Iron Reef explains the applicable fee and contract terms before representation begins.

Florida rules restrict how fees may be calculated. The written contract should clearly identify the compensation basis, and fees are not simply charged on a policyholder’s deductible. Any prior payments and applicable legal limitations are reviewed before the fee is established.

Florida law provides cancellation rights that can vary with timing and circumstances. Your written contract should state the applicable cancellation period and method. Read the contract carefully and retain a complete signed copy.

There is no universal timeline. Claim complexity, inspections, document requests, expert involvement, carrier response, and disputes can all affect duration. Iron Reef focuses on keeping the file organized, responsive, and moving forward while explaining each material development.

No ethical public adjuster can guarantee a particular outcome. Coverage and payment depend on the policy, facts, evidence, carrier decisions, and applicable law. The value of professional representation is disciplined documentation, informed claim development, and clear advocacy.