About XpertClaim Adjusters

XpertClaim Adjusters serves homeowners and businesses across Greater Tampa Bay and Southwest Florida, advocating exclusively for policyholders. We specialize in maximizing insurance claim settlements through Public Adjusting services, expert Appraiser work, and detailed Xactimate insurance estimates. With free policy consultations and no upfront fees, our success is directly tied to yours — we don’t get paid until you do.

Our team brings a unique blend of experience in construction, insurance, and carrier operations. From large-scale renovations with Blackstone’s Invitation Homes to decades of claim handling and project management, we understand every angle of the claims process. This 360° perspective allows us to deliver precise damage assessments and stronger outcomes than most adjusters limited to one side of the industry.

What sets us apart is not only our technical expertise, but also our commitment to guiding clients through the aftermath of a loss. We help set realistic expectations, explain policyholder rights, and provide the insight carriers often won’t share — restoring confidence and peace of mind while working to restore your property.

Our Services

At XpertClaim Adjusters, we provide a full range of services designed to help policyholders navigate the complexities of the insurance process with confidence. Our focus is always on protecting your interests and maximizing the value of your claim.

Public Adjusting – We manage the entire claims process on your behalf, from initial inspection to final settlement, ensuring your damages are fully documented and fairly compensated.

Appraisal Services – When disputes arise over the value of a claim, our expertise in appraisal provides an effective path toward resolution, often avoiding costly litigation.

Insurance Estimates – Using industry-standard Xactimate software and deep construction knowledge, we prepare precise repair and replacement estimates that reflect the true scope of loss.

Policy Consultations – We offer free consultations to review your policy, explain your rights, and ensure you understand your coverage before and after a loss.

Every service we provide is rooted in advocacy. We don’t represent carriers — only policyholders — and we don’t charge upfront fees. Our success is measured by your recovery: we only get paid when you do.

Public Adjuster

A public adjuster is a licensed insurance professional who advocates for homeowners in the claims process, ensuring they receive the maximum compensation for damages covered by their insurance policy. Unlike insurance company adjusters who represent the insurer's interests, public adjusters work exclusively for the homeowner. They handle all aspects of the claim, from assessing damage and documenting losses to negotiating with the insurance company. This expertise is especially valuable in complex situations, such as after a storm, fire, or other significant home damage, where understanding policy language and accurately estimating repair costs can significantly impact the settlement. By hiring a public adjuster, homeowners can relieve the stress of navigating the claims process alone and increase the likelihood of a fair and timely payout.

Appraiser

When a public adjuster acts as an appraiser in the insurance claims process, they serve as an impartial expert to resolve disputes between the homeowner and the insurance company regarding the value of a claim. In this role, the public adjuster conducts a thorough assessment of the damage, reviews all relevant documentation, and applies their knowledge of construction and insurance policies to determine an accurate and fair value for the loss. They then present this value during the appraisal process, which is typically binding and helps avoid lengthy litigation. This benefits homeowners by providing a professional, unbiased evaluation of their claim, ensuring they receive a fair settlement without the need for costly and time-consuming legal proceedings.

Loss Consultant

When acting as a Loss Consultant, a public adjuster provides expert guidance to homeowners throughout the insurance claim process, even before a formal claim is filed. In this role, they evaluate potential losses, advise on the best course of action, and help homeowners understand their insurance policy's coverage and limitations. The Loss Consultant's proactive approach includes documenting damages, estimating repair costs, and strategizing to maximize the claim's value. By involving a public adjuster as a Loss Consultant early on, homeowners benefit from informed decision-making, reducing the risk of underpayment or denial of their claim and ensuring they are fully prepared to navigate the complexities of the insurance process.

Policy Review

When a public adjuster provides free policy reviews, they meticulously analyze a homeowner’s insurance policy to uncover coverage details, exclusions, and limitations. This proactive review helps homeowners understand their current coverage and identify potential gaps or areas for improvement. By evaluating the policy, the public adjuster can suggest enhancements to better protect the homeowner and recommend adjustments to eliminate unnecessary coverage or reduce premiums. This process benefits homeowners by ensuring they have optimal coverage tailored to their needs, minimizing wasted costs, and providing a clearer picture of their insurance protection, which ultimately leads to more informed decisions and a better-managed claims process.

Estimates

When a public adjuster provides industry-standard Xactimate estimates to general contractors, restoration professionals, and third-party vendors, they deliver a detailed and precise breakdown of the costs associated with repairing or restoring a damaged property. Xactimate is a widely recognized software used in the insurance industry to generate accurate estimates based on current pricing and standard practices. By using this tool, the public adjuster ensures that all parties involved have a clear and consistent understanding of the scope and cost of repairs. This benefits homeowners by facilitating transparent communication and negotiations with contractors and vendors, ensuring that repair work is conducted efficiently and in line with insurance coverage, ultimately leading to a fair and timely settlement of their claim.

Our Commitment to You

Our commitment to you is simple: we put your best interests first, always. At XpertClaim Adjusters, we believe in transparency, integrity, and unwavering advocacy. From the first consultation to the final settlement, we stand beside you every step of the way — ensuring your claim is handled fairly and your voice is heard.