Our Claims Process

Name: Five Star Claims Adjusting — South Florida 2
Address: 1640 W Oakland Park Blvd #201, Oakland Park, FL, 33311, US
Telephone: (954) 302-1106
Price range: Contingency fee — no recovery, no fee

Navigating a property insurance claim can feel overwhelming—but you don’t have to do it alone. At Five Star Claims Adjusting, we handle every detail with precision and care to ensure your claim is filed correctly, thoroughly documented, and positioned for maximum payout.

Step 1

Inspect The Damage

Our process begins with a detailed property inspection. We don’t just look for the obvious—we use expert techniques to uncover hidden damage that insurance adjusters often overlook. Whether it’s behind walls, under flooring, or in hard-to-reach areas, we make sure nothing is missed.

A complete inspection ensures your claim reflects the full scope of the loss. This step sets the foundation for a successful case and protects you from underpaid settlements or costly surprises down the road.

Step 2

Review the Policy & Prior Paperwork

We analyze your insurance policy to determine what is and isn’t covered. Our team breaks down complex policy language and reviews any previous claim documents to ensure your current claim is fully aligned with your coverage.

By understanding the fine print, we help you avoid missteps and missed opportunities. This also prepares us to challenge any wrongful denials or limitations imposed by your insurer.

Step 3

Properly Document the Claim

Documentation is everything. We collect thorough photo evidence, reports, repair estimates, and expert evaluations to support a strong and defensible claim. This includes both visible damage and any resulting issues like mold, structural risks, or system failures.

We know what insurance companies look for—and what they try to overlook. Our attention to detail ensures your claim holds up to scrutiny and includes every justifiable loss.

Step 4

Write the Estimate

Our adjusters prepare a professional, itemized estimate using industry-standard software. This includes the full cost of materials, labor, and replacements needed to restore your property.

We don’t just estimate repairs—we estimate what it will take to make you whole again, and we fight to ensure those numbers are respected by your insurer.

Step 5

Complete All Paperwork

Insurance claims involve a mountain of paperwork—but we handle it all for you. From initial claim forms to ongoing documentation and insurer communications, we make sure everything is submitted properly and on time.

Our process minimizes delays and avoids common mistakes that lead to denied or underpaid claims. You stay informed, but we take the administrative burden off your plate.

Step 6

Negotiate & Pursue a Full Settlement

Once the claim is submitted, we represent you in negotiations with your insurance company. Our licensed public adjusters advocate on your behalf to reach a fair, full, and timely settlement.

We don’t stop at the first offer—we push for what your policy truly owes you. With Five Star on your side, you have a professional in your corner who knows how to get results.

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What Our Clients Are Saying

What we do

Save Your Time | Handle Your Carrier | Maximize Your Claim

What Is a Public Adjuster & Why You Need One on Your Side

While insurance company adjusters are legally required to evaluate damages impartially, important details can sometimes be missed. Studies consistently show that claims managed by public adjusters typically result in significantly higher settlements. Since insurance companies aim to minimize their financial liability, it's not uncommon for payouts to be lower than what policyholders may be entitled to. Our services include detailed damage assessments, direct negotiation with insurance carriers, and coordination of settlements—all designed to protect and prioritize your best interests.

What Does a Public Adjuster Do?

When disaster strikes, the insurance company sends their adjuster to protect their bottom line. We're here to protect yours. As licensed public adjusters, we work for you—not the insurer. From damage assessments and loss documentation to negotiations and final settlement, we take on the heavy lifting and push back when the insurance company tries to pay less than you deserve.

How Much Does a Public Adjuster Cost?

We don't get paid unless you do. It's that simple. We work on a contingency basis, which means there are no upfront fees and zero risk to you. Our fee is a small percentage of the final settlement—only after we've recovered more money than the insurance company was willing to pay. If we don't increase your payout, you owe us nothing.

Can you help if my insurance claim was denied or underpaid?

Absolutely! Denied and underpaid claims are one of our specialties. Insurance companies often try to minimize payouts, but we have the expertise to challenge their decision and get you the compensation you deserve.

Why hire a public adjuster instead of handling the claim myself?

Insurance companies have teams of adjusters working against you—why not have an expert working for you? We know insurance policies inside out and find coverage you may not realize you have. We negotiate aggressively to increase your payout. And we handle all the paperwork and red tape, saving you time and stress.

Our Locations

Serving Policyholders Across Florida and Beyond

HQ — Maitland, FL

Orlando South

Southwest Florida

South Florida 1

South Florida 2