After a hurricane in Florida, homeowners may quickly hear from people offering claim help before they even contact their own insurer or agent.
Public adjusters can help with complex disputes, but in Florida they usually charge part of the claim payment, reducing money available for repairs.
A $50K covered loss with a ~10% fee could send $5K to the adjuster instead of staying with the homeowner for repairs.
Best first step: contact your insurer or agent, document damage, prevent further loss, track expenses, and review cancellation rights before signing any agreement.
If a claim becomes complicated, Florida homeowners can then consider third-party help or free consumer assistance resources after first giving the claims process time.