Free claim review
We look at the loss, the policy and where the claim stands. No charge, no obligation.
Florida LLC · Property claims, policyholder side
Document it
Document it
properly, first.
Claims are decided on the file. Photographs taken the right way, dates recorded, correspondence kept — the work that feels tedious in week one is what the whole claim rests on in month three.
- FLregistered company
- 24 hto reply
- Freefirst review
- Writtenfee agreement
What we do
Four services, agreed in writing
Policyholder side only. Every engagement starts with a written agreement setting out the scope and the fee.
Damage documentation
Photographing and recording damage thoroughly, with dates, locations and the detail that holds up later.
See the programPolicy & deadline review
Reading the policy with you, identifying what it covers, and keeping the deadlines visible.
See the programClaim file preparation
Assembling the claim file: documentation, estimates, inventories and correspondence, organized and consistent.
See the programClaim follow-up
Tracking correspondence, chasing responses and keeping a dated record of every exchange.
See the program
How it works
How we work
A free first review, a written agreement, then the work. Nothing is charged before you've signed the scope and the fee.
Written agreement
Scope and fee set out in writing, within the limits Florida law allows.
Documentation and file
Damage recorded properly and the claim file assembled.
Follow-up
Correspondence tracked and chased until the claim is resolved.
Working together
Ways to work with us
Every engagement is agreed in writing before any work begins. No subscriptions.
Claim review
A look at your policy, your loss and where the claim stands.
- Free initial review
- Policy read with you
- Deadlines identified
- Written summary of next steps
- No obligation to continue
Documentation & file
Damage documented and the claim file prepared properly.
- Site visit and photographic record
- Contents inventory where relevant
- Estimates gathered and checked
- Complete claim file assembled
- Written agreement before work
Full claim support
Documentation, file preparation and follow-up through the claim.
- Everything in documentation and file
- Correspondence logged and chased
- Regular written updates
- Meetings attended with you
- Records handed over at the end
Every engagement is quoted after a free consultation. No subscription.
How we work
Policyholder side, and licensed work stays licensed
ZEA Adjusting LLC is a limited liability company registered in the State of Florida, with registration details on public record with the Florida Division of Corporations. We work for policyholders, never for insurers.
Public adjusting is a licensed activity in Florida, carried out only under a current licence, and our licence number appears on this site and in every written agreement. We are not a law firm and give no legal advice. Nobody can promise that a claim will be paid or settled at a particular figure, and anyone who does is telling you something they cannot know.
Frequently asked
The questions we get most
What does a public adjuster do?
Works for the policyholder rather than the insurer: documenting the loss, reading the policy, preparing the claim file and following the claim through. Licensing is required in Florida and our licence number is on this site.
What does it cost?
The fee is set out in a written agreement before any work starts, within the limits Florida law sets. You will never be charged for the initial review.
Can you guarantee my claim gets paid?
No, and nobody honest will. We can make sure the file is complete, consistent and submitted on time, which is what we control.
My claim was denied. Is it too late?
It depends on the policy and the deadlines involved. Send us the denial and the policy, and we'll tell you honestly whether there's anything to do.
Do you give legal advice?
No. We are not a law firm. If a claim reaches a point where legal advice is needed, we'll say so and you can engage an attorney.
Do you work with insurers?
No. We work for policyholders only.
Not sure where your claim stands?
A free review of the loss, the policy and the next step. No obligation.