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A Flat 10% Fee for Florida Property Insurance Claims

NAPAICC 10% public adjusting fee for Florida property insurance claims

Advanced Public Adjusting. A Flat 10% Fee for Florida Property Insurance Claims.

NAPAICC charges a flat 10% fee on Florida property insurance claims. Applicable exclusions apply, and your fee is set out in your written agreement. Get experienced policyholder advocacy backed by construction expertise, insurance claims knowledge, and our advanced proprietary claims system—with clear, consistent pricing.

Property Insurance Claims Help for Florida Policyholders

Technology-Driven Public Adjusting. Advanced Policyholder Advocacy.

NAPAICC INC. represents policyholders with residential and commercial property insurance claims. From damage inspections and repair estimates to claim preparation and insurance company negotiations, our licensed public adjusters help you document your loss and pursue the benefits available under your policy.


Hurricane & Wind Damage Claims
Hurricane damage can affect roofing, exterior finishes, windows, and interiors. We investigate reported damage, document property conditions, and prepare repair estimates to support your insurance claim.


Water Damage Insurance Claims
Burst pipes, plumbing failures, appliance leaks, and storm-related water intrusion can damage walls, flooring, cabinets, and other building materials. We help document the affected areas and evaluate the repair scope against your property insurance policy.


Fire & Smoke Damage Claims
Fire losses can involve structural damage, smoke, soot, contents, and additional living expenses. NAPAICC helps organize the evidence, evaluate applicable coverage, and prepare a documented claim.


Residential & Commercial Property Claims
We assist homeowners, condominium owners, rental property owners, and businesses with property damage claims. Our work connects the damaged property, necessary repairs, and applicable policy provisions.


Denied, Delayed & Underpaid Insurance Claims
A denial or payment that falls short deserves a careful review. We examine the carrier’s position, compare estimates and supporting records, and identify disputed or overlooked damage.


Damage Documentation & Repair Estimating
Strong claims start with clear evidence. We combine construction knowledge, property photographs, measurements, and detailed repair estimates to explain the loss and support the requested repairs.

Serving Property Owners Throughout Florida


Headquartered in St. Petersburg, NAPAICC serves property owners in Tampa Bay, Orlando, Miami, Pensacola, Destin, the Florida Panhandle, and communities throughout Florida.


Request a Preliminary Claim Review
Call 1-800-383-9581 or contact claims@napaicc.com.

We Represent You, Not Your Insurance Company.


How NAPAICC Helps With Your Florida Property Insurance Claim


A property insurance claim is a contract dispute about facts: what was damaged, what caused it, what it costs to repair, and what the policy says. Your insurance company has its own adjuster to answer those questions for the insurer. A Florida public adjuster is a professional licensed by the Florida Department of Financial Services who answers them for you.


What we do. NAPAICC reviews your policy, inspects and documents the damage, prepares a detailed repair estimate, assembles the claim, and communicates and negotiates with the insurance company on your behalf. Read how each step works on Our Mission.


Claims we work on. Florida hurricane and wind, water and plumbing, fire and smoke, roof, hail, and commercial property losses, for homeowners, condominium owners, landlords, and businesses. If your claim has already been denied, delayed, or paid less than the repairs cost, start with Claims Assistance. Tracking a storm? See Hurricane Headquarters.


What it costs. NAPAICC charges a flat 10% fee on Florida property insurance claims. Applicable exclusions apply, and your fee is set out in your written agreement. See Common Questions for how public adjuster fees work in Florida.


Before you sign anything. Learn how deductibles, depreciation, and policy limits shape every claim on Our Vision, or watch The NAPAICC Insider on Our Message.


Led by Scott Harris, a Florida licensed public adjuster, former insurance carrier field and desk adjuster, and former licensed general contractor.


Questions about your property insurance claim? Call NAPAICC at 1-800-383-9581.

Florida Public Adjusters for Property Insurance Claims

 Need Help with hurricane, wind, water, fire, and roof damage insurance claims—including denied, delayed, and underpaid claims. 

Request a Property Insurance Claim Review

Meet Your Public Adjusting Team

Call NAPAICC

NAPAICC Featured on Inside Business Today with Bill & Giulia

 

North American Public Adjusters & Claims Consultants (NAPAICC INC.) was recently featured on Inside Business Today with Bill & Giuliana Rancic for a national conversation about property insurance claims, recovery, restoration, and the challenges facing homeowners and business owners after a property loss.

The segment features Scott Harris, CEO and Public Adjuster at NAPAICC INC.; James Johnigean, restoration and reconstruction professional; and attorney Joshua Durocher,

Meet the NAPAICC Team

NAPAICC Digital Headquarters Meet the Team!

Morpheus — Digital Operations & Cyber Intelligence

NAPAICC Digital Headquarters Meet the Team!

NAPAICC Digital Headquarters team introduction

 People. Process. Results.
Meet the people and digital staff supporting NAPAICC’s work. Our technology helps organize information, research issues, and coordinate workflows, while licensed public adjusters remain responsible for claim strategy and professional decisions. 

Zee — Receptionist

Morpheus — Digital Operations & Cyber Intelligence

NAPAICC Digital Headquarters Meet the Team!

Zee, NAPAICC digital staff - Receptionist

 Your First Connection to NAPAICC
Zee helps visitors find the right starting point, gathers initial information, and connects inquiries with the NAPAICC team. From your first question to your next step, she helps keep communication organized. 

Morpheus — Digital Operations & Cyber Intelligence

Morpheus — Digital Operations & Cyber Intelligence

Morpheus — Digital Operations & Cyber Intelligence

Zee, NAPAICC digital staff - Receptionist

 Structure Behind the Screens
Morpheus supports coordination across NAPAICC’s digital staff, with a focus on organized workflows a 

Mouse — Web Developer

Sati — Policyholder Relations Specialist

Morpheus — Digital Operations & Cyber Intelligence

 Building Your Digital Front Door
Mouse develops NAPAICC’s website and digital headquarters, making information easier to find and services easier to reach. His focus is clear navigation, useful content, and a consistent experience across computers and phones. 

Connor — YouTube & Media Specialist

Sati — Policyholder Relations Specialist

Sati — Policyholder Relations Specialist

 Bringing the Claims Conversation to You
Connor organizes The NAPAICC Insider’s videos, playlists, and channel presentation. He helps turn insurance education, interviews, and claim discussions into content viewers can find, follow, and share. 

Sati — Policyholder Relations Specialist

Sati — Policyholder Relations Specialist

Sati — Policyholder Relations Specialist

 Keeping People Connected
Sati supports client communication, follow-up, and coordination with the NAPAICC team. She helps keep updates organized and grounded in verified file information, with claim advice and decisions handled by the responsible professionals. 

Sign Up with NAPAICC

Open our public adjuster contract in Adobe Acrobat Sign to review and sign online.

Skynet — Autonomous Systems & Intelligence

Brewster — Business Strategy & Resource Planning

 Skynet supports data analysis, workflow automation, and coordination across NAPAICC’s digital staff. He helps organize information, flag issues for review, and reduce repetitive work so our professionals can focus on claim strategy, policyholder advocacy, and informed decisions. 

Brewster — Business Strategy & Resource Planning

Brewster — Business Strategy & Resource Planning

  

Brewster supports NAPAICC’s growth through market research, resource planning, and project coordination. He helps organize priorities, track milestones, and flag bottlenecks so leadership can make informed decisions and expand services with clear direction and accountability. 

Niobe — Claims Intelligence & Documentation

Niobe — Claims Intelligence & Documentation

  Niobe helps organize property photos, measurements, estimates, and correspondence into clear claim documentation. She compares records, flags missing information and scope discrepancies, and prepares materials for professional review—helping NAPAICC build claims grounded in evidence and supported detail. 

Tank — Calendar & Scheduling Specialist

Niobe — Claims Intelligence & Documentation

 Tank helps coordinate client appointments, team meetings, media recordings, and travel logistics. He organizes calendars, tracks confirmations, and flags scheduling conflicts so NAPAICC’s professionals can stay prepared, follow through, and give each commitment the attention it deserves.  

Marcus — Research, Strategy & Analytics

Marcus supports NAPAICC by researching policy language, statutes, case law, and industry developments. He organizes findings, compares carrier positions, and flags issues for professional review—helping our licensed team develop claim strategies grounded in documented facts and verified sources.

Storm — Weather Intelligence Analyst

  Storm monitors Florida weather threats, including hurricanes, wind, hail, flooding, and severe storms. She organizes location-specific findings and flags potential property impacts for NAPAICC’s team. Through her weekly weather and claims report, she helps property owners stay informed, prepare for threats, and understand what to document after a loss. 

Dani — Claims Strategy & Research

Keymaker — Systems Access & Integration

Keymaker — Systems Access & Integration

  Dani supports NAPAICC’s claim preparation by researching policy language, comparing carrier positions, and organizing supporting references. She helps identify gaps, conflicting information, and issues needing closer review—giving licensed public adjusters a clear research summary to support claim strategy, carrier communications, and coordination with counsel. 

Keymaker — Systems Access & Integration

Keymaker — Systems Access & Integration

Keymaker — Systems Access & Integration

 

Keymaker supports NAPAICC’s system connections, user permissions, and technical troubleshooting. He helps organize authorized access, maintain integrations, and coordinate backup and recovery procedures—so the team can reach the information and tools they need while keeping sensitive claim records protected.

Tracy — Scope Documentation Analyst

Keymaker — Systems Access & Integration

Grant — Client Acquisition Specialist

 Tracy helps organize property photos, measurements, sketches, and estimate files into a clear record of the loss. She compares documentation with the proposed repair scope, flags missing details and inconsistencies, and prepares materials for professional review—helping NAPAICC’s adjusters explain what needs repair and the evidence supporting it.  

Grant — Client Acquisition Specialist

Grant — Client Acquisition Specialist

Grant helps prospective clients take the first step with NAPAICC. Working with Storm’s weather intelligence, he supports outreach, follows up on inquiries, gathers initial loss information, and coordinates appointments—providing an organized handoff to the licensed public adjusters who evaluate the claim and discuss representation.

Trinity — Operations & Systems Integration

Trinity supports NAPAICC’s daily operations by coordinating workflows, tracking assigned tasks, and organizing information across the team’s systems. She helps flag delays, clarify next steps, and improve handoffs—keeping claim support organized so licensed public adjusters can focus on policyholder advocacy and professional decisions. 

Susan — Claims Operations Specialist

Susan supports NAPAICC’s claim operations by organizing file updates, tracking carrier correspondence, and coordinating outstanding requests. She helps keep estimates, supplements, and supporting documents ready for review—giving the licensed adjusting team a clear picture of each file’s progress and what needs attention next. 

Sign Up with NAPAICC

Open our public adjuster contract in Adobe Acrobat Sign to review and sign online.

Rev9 — Digital Research & Support Assistant

Trainman — Claims Mailroom & Triage Specialist

Rev9 — Digital Research & Support Assistant

 Rev9 helps visitors find information and supports NAPAICC’s team with research, document drafts, and claim summaries. He organizes questions, flags missing details, and prepares materials for professional review—helping keep communication clear and the next steps easier to follow. 

Sonny — Claims Quality Assurance Examiner

Trainman — Claims Mailroom & Triage Specialist

Rev9 — Digital Research & Support Assistant

 Sonny reviews estimates, photos, diagrams, and correspondence for accuracy, completeness, and consistency. He flags missing documentation, unsupported line items, and conflicting information for professional review—helping NAPAICC’s team prepare clear, well-supported claim submissions. 

Trainman — Claims Mailroom & Triage Specialist

Trainman — Claims Mailroom & Triage Specialist

  Trainman organizes incoming claim documents, carrier correspondence, photos, and submissions. He labels records, routes materials to the appropriate team members, and flags time-sensitive requests for review—helping NAPAICC keep files organized and important communications moving. 

Kat — Team Coordination & Communications

 

Kat supports communication and coordination across NAPAICC’s team. She organizes project updates, tracks assignments, and flags outstanding questions so the right people have the information they need—helping turn shared priorities into clear next steps and consistent follow-through. 

Spooner — Systems & Process Analyst

The Librarian — Knowledge & Research Specialist

 Spooner supports NAPAICC’s document processing, data organization, and system integrations. He helps troubleshoot errors, improve file tagging and routing, and identify repetitive tasks suited for automation—keeping information accessible and workflows moving so the team can focus on serving policyholders. 

The Librarian — Knowledge & Research Specialist

The Librarian — Knowledge & Research Specialist

 The Librarian helps organize NAPAICC’s policy library, research archives, carrier guidelines, and industry resources. She supports the team by locating relevant references, tracking sources, and keeping shared knowledge accessible—so licensed professionals have organized information to support their review of each policyholder’s claim. 

Kyle — Claims Research & Documentation

Miles — Weather Intelligence & Field Operations

Miles — Weather Intelligence & Field Operations

 Kyle supports NAPAICC by researching policy references, organizing claim timelines, and compiling photos, estimates, and carrier correspondence. He helps flag missing information and prepares clear summaries for review—giving licensed public adjusters the documentation they need to evaluate issues and plan the next steps for policyholders. 

Miles — Weather Intelligence & Field Operations

Miles — Weather Intelligence & Field Operations

Miles — Weather Intelligence & Field Operations

   Miles supports NAPAICC by organizing weather reports, property maps, field notes, and available aerial imagery. He helps connect storm activity with documented property conditions, flag information gaps, and prepare inspection materials—giving the adjusting team a clearer starting point for investigating damage and supporting policyholders. 


Farber — Social Media Manager

Miles — Weather Intelligence & Field Operations

Ghost — Global Intelligence & Analysis

Farber supports NAPAICC’s social media presence by organizing content, coordinating posts, and reviewing audience engagement. He helps turn claim education, company updates, and podcast highlights into clear messages across platforms—making it easier for property owners to discover NAPAICC, understand our work, and connect with the team. 

Ghost — Global Intelligence & Analysis

John — Client Operations & Field Support

Ghost — Global Intelligence & Analysis

 Ghost supports NAPAICC by organizing weather data, satellite imagery, and geographic information into focused research summaries. He helps map affected areas, compare available sources, and flag patterns needing closer review—giving the team useful context for property investigations, catastrophe planning, and policyholder support. 

Apoc — Field Analysis & Technology

John — Client Operations & Field Support

John — Client Operations & Field Support

Apoc supports NAPAICC by organizing aerial imagery, property photos, maps, and measurements for claim file review. He helps compare field information, flag documentation gaps, and coordinate inspection materials—giving licensed public adjusters a clearer picture of property conditions and the details that need further attention.

John — Client Operations & Field Support

John — Client Operations & Field Support

John — Client Operations & Field Support

John supports NAPAICC by coordinating inspection schedules, organizing site documentation, and tracking client requests and carrier correspondence. He helps keep field information and outstanding tasks connected—giving the team organized files and helping policyholders stay informed as licensed public adjusters guide their claims forward.  


Same Mission. A Bigger Stage.

 NAPAICC’s message is reaching a national audience through press release distribution to AP News, National Law Review, NEWSnet, and TV sta 

 We’re expanding awareness of the challenges facing policyholders—and the importance of experienced, independent claim representation. 

 Our reach is growing. Our commitment remains the same: We Represent You, Not Your Insurance Company. 

NAPAICC in the News | The Property Insurance Crisis

NAPAICC Takes the Property Insurance Conversation National

 NAPAICC examines the growing property insurance crisis on Inside Business Today with hosts Bill and Giuliana Rancic. Read the press release to learn about our national television feature and our commitment to helping policyholders understand the claims process.  

Read the Press Release in your area

My First Insurance Claim The Hurricane

 A hurricane damages your home. Then the insurance claim becomes its own disaster. The NAPAICC Insider explores the delays, denials, underpayments, and confusing answers policyholders face—and the lessons every property owner should learn. Watch the story, recognize the insurance traps, and know what questions to ask. 

NORTH AMERICAN PUBLIC ADJUSTERSINSURANCE CLAIMS CONSULTANTS

NAPAICC, Inc. is a modern public adjusting and insurance claim consulting firm headquartered in St. Petersburg, Florida, serving Tampa, Miami, Orlando, the Florida Panhandle, and policyholders throughout Florida. Built on one simple principle — we represent people, not insurance companies — NAPAICC provides professional public adjusting services for homeowners, business owners, property owners, contractors, and attorneys dealing with complex property insurance claims.

Our team combines real-world construction knowledge, insurance policy expertise, detailed estimating, damage documentation, and aggressive claim advocacy to help clients navigate hurricane damage, wind damage, water damage, fire damage, roof damage, mold-related claims, denied claims, delayed claims, disputed claims, and underpaid insurance claims. We focus on clarity, integrity, and results by evaluating each claim through the facts, the damages, and the written insurance policy.

Our mission is to protect our clients’ interests, maximize legitimate recovery, and bring professionalism, transparency, and accountability back to the Florida insurance claims process. From inspection through claim resolution, NAPAICC, Inc. helps policyholders document losses properly, challenge improper claim decisions, and pursue the recovery they are owed under their property insurance policy.

NAPAICC in the News

Signal News Miami - Florida

Signal News Chicago - Illinois

Signal News Miami - Florida

Press Release

AP News - National

Signal News Chicago - Illinois

Signal News Miami - Florida

Press Release

Signal News Chicago - Illinois

Signal News Chicago - Illinois

Signal News New York - New York

Press Release

Signal News New York - New York

Signal News Boston - Massachusetts

Signal News New York - New York

Press Release

Signal News Boston - Massachusetts

Signal News Boston - Massachusetts

Signal News Boston - Massachusetts

Press Release