Florida Public Adjusters
From hurricane and wind damage to disputed roof and water claims, Naiche represents Florida homeowners and business owners against their insurance company — statewide, at no upfront cost.
Austin Bernaiche, FL Public Adjuster Lic. #G183002
Licensed Public Adjusters Serving Florida Policyholders
SERVING EVERY CLAIM TYPE IN FLORIDA
Common florida Claims We Handle
Every claim type below is handled the same way regardless of where you're located in Florida — explore the specifics of each.
Sudden loss, gradual leak, and flood-related disputes.
Hurricane & Wind Damage
Wind-driven damage from named storms.
Statewide Coverage ACROSS FLORIDA
Florida Cities We Serve
Naiche represents policyholders throughout Florida, with concentrated experience in these communities.
Jacksonville
Miami
Tampa
Orlanda
St. Petersburg
Fort Lauderdale
Cape Coral
Port St. Lucie
Naples
Melbourne
Sarasota
Don't see your town listed? We serve policyholders statewide — contact us to confirm coverage in your area.
Works for the insurer
Company / Staff Adjuster
A salaried employee of your insurance company. Assigned automatically when you file — no fee to you, but no obligation to maximize your payout either.
These terms get confused often — and the difference determines whose side someone is actually on.
How we operate: We don't door-knock, cold-call, or pressure anyone to sign on the spot. You reach out to us — never the other way around.
Know who You're Hiring
insurance adjuster vs public adjuster in FLORIDA
Also works for the insurer
Independent Adjuster
Despite the name, still hired and paid by the insurance company — typically brought in during high claim volume after a regional disaster.
Works for you
Public Adjuster (Naiche)
Licensed and hired directly by you, the policyholder. Paid only as a percentage of your settlement, capped by Florida law at 10-20%.
our process for FLORIDA claims
How We Work
The same rigorous process, applied to your specific claim type and location.
1
Free Consultation & Policy Review
We review your Florida policy and explain your options at no cost.
2
Inspection & Documentation
We document the full scope of damage — including what's easy to miss.
3
Claim Preparation & Submission
We build a detailed, defensible claim package on your behalf.
4
Negotiation & Settlement
We negotiate directly with your insurer to pursue full, fair payment.
What to expect: we will get in touch during business hours — no chasing us for updates.
Florida law (F.S. § 626.8795) bars a public adjuster from doing repair work on a claim they adjust, or having any financial interest in a construction or salvage business tied to that claim.
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No Financial Ties to Contractors — By Law
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Fee Capped by Law at 10-20%
Florida law (F.S. § 626.854(11)(b)) caps fees at 20% of the claim payment for standard claims, and 10% for claims tied to a declared state of emergency, if signed within one year of the declaration.
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Licensed in Florida
Austin Bernaiche is a licensed public adjuster in Florida (Lic. #G183002). Verify any adjuster's license via the FL DFS Licensee Search.
Florida Public Adjuster Licensing & Fees
Florida regulates public adjusting more strictly — and with stricter claim deadlines — than almost any other state. Here's exactly what applies to you.
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Florida DFS Oversight
Complaints can be filed with the Division of Consumer Services: 1-877-693-5236 or Consumer.Services@myfloridacfo.com.
Example: how The fee works
Insurer's final settlement
Naiche's fee (10-20%, capped by FL law)
You receive
Illustration only. Outcomes depend on your policy, your loss and the facts of your claim. The fee applies only to the settlement amount — never to money you haven't received, and never before your insurer pays. Deductibles and depreciation holdbacks are separate from this fee and depend on your specific policy.
$3,000 - $6,000
$30,000
$23,000-$27,000
We don't promise a specific settlement figure or a guaranteed payout — every claim is different. We'll walk you through your policy and how we'd approach the claim before you sign anything.
FLORIDA claims FAQs
Frequently Asked Questions About Florida Claims
Florida law caps public adjuster fees at 20% of the claim payment for standard claims, and 10% for claims tied to a Governor-declared state of emergency, if signed within one year of that declaration (F.S. § 626.854(11)(b)). No upfront cost — you pay only if we recover a settlement.
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No. Florida law (F.S. § 626.8795) prohibits a public adjuster from doing repair work on a claim they adjust, or having a financial interest in a construction or salvage business tied to that claim. We have no financial ties to contractors, and you choose your own.
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Yes. Florida law (F.S. § 626.854(7)) gives you 10 days after signing to cancel without penalty — extended to 30 days after the date of loss if your claim stems from a declared state of emergency.
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For most disputed, underpaid, delayed, or hurricane-related claims, yes — a public adjuster documents damage thoroughly and negotiates on your behalf, which frequently changes claim outcomes versus handling it alone.
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We document only verified, actual damage. We never inflate estimates or claim work that wasn't performed — our license depends on it, and Florida imposes real penalties for violations.
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You can verify Naiche's license, or any public adjuster's license, through the Florida DFS Licensee Search.
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We represent policyholders statewide, including Jacksonville, Miami, Tampa, Orlando, and St. Petersburg. Contact us to confirm coverage in your area.
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Policyholder Advocates Only
FL License #G183002
Licensed Public Adjusters
Serving policyholders statewide
Policyholder Advocates Only
Headquartered in Vernon, CT
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.