Public Adjuster Services - Appraisal, Mediation, Umpire

Florida Insurance Appraisers


It is best to use the services of insurance appraiser when you need to file for a property insurance claim. If you contact us before sending the claim application to your insurance company, we not only prevent the common mistakes from occurring but also do the significant work in documenting your insurance claim for maximum benefit. As a insurance appraiser we ensure that there are no loopholes when it comes to filing for the claims. We prevent all potential delays in the claim process for the insured.


If you have already been paid or received an offer only for a part of your insurance claim, A insurance appraiser can take over from that point. We offer FREE claim evaluation and get paid only if I discover areas of underpayment and/or items that were left out of your insurance settlement. As Insurance Appraisers we then re-document and cross-reference every aspect of your property damage or loss and check the things that were not originally included or were not properly paid for. We will work to maximize the total amount that you finally receive from the insurance company.


By law we are allowed to reopen an insurance claim (Ex FLORIDA allows 2 years from the date of loss or breach) if you were not adequately compensated in the first instance, as your insurance appraiser we make the process easier and quicker. National Adjusters, Inc. will find areas of underpayment and/or items that were left out of your insurance settlement. Statute of Limitations mentions the period of time between the date of loss and the deadline for you to file a lawsuit for a claim (may differ from State to State).


Bryan E. Thomas has been considered one of the top rated Florida Public Adjusters for the past 2 decades and he has successfully handled thousands of claims over the years for the policyholders of Florida. As a Florida Public Adjuster or Insurance Appraiser he has one of the most amazing track records of successfully settling thousands of property damage claims for policyholder in the State of Florida. Why is Bryan E. Thomas different from all the other public adjusters?As the owner and CEO, Bryan E. Thomas once worked on the insurance company side, he noticed there was a great need for representation for the policyholders because of how unfairly they were treated by the insurance companies, so he moved on to protect and serve policyholders all over Florida and has been passionate about it ever since. He looks forward to serving you as your Florida Public Adjuster. His job is to maximize and expedite your financial recovery, in other words our job is to get the you most money in the quickest amount of time with regards to your property insurance claim. He has a large established area of expertise that is unmatched in the State of Florida. He will service the entire State of Florida, but we mainly handle claims from the Florida Keys / Key West to Broward County, Palm Beach County and Miami Dade County and SouthWest Florida, Naples, Fort Myers, Fort Myers Beach and Bonita Springs upwards to Tampa. We are here to provide Florida homeowners, condominium owners and associations and also business owners with the leading public adjusting, insurance appraisal and disaster consulting services.


Most insurance policies contain a certain provision which stipulates that either the insured or the insurance company has the right to demand "Insurance Appraisal" if that party disagrees as to the amount of the insured loss. The Appraisal process is offered to both parties to the insurance contract or "Policy" as a less expensive and more expedient alternative to going to court in order to reach agreement on the damage amount. Appraisal has many similarities to binding arbitration but the two processes are not identical. The Appraisal Panel is made up of three participants: the insured and the insurance company both select an Insurance Appraiser to represent them in the process then they both select a neutral Umpire which has to be agreed upon by both parties to serve as the final decision-maker should the two Appraisers have differences that they cannot resolve.

National Adjusters is considered a leader Nationally do to its extensive experience representing the insured in the Appraisal process. Our firm has participated in over 3000 Appraisals since July of 2006. Our principal, Bryan E. Thomas has participated in hundreds of Large Loss Appraisals on behalf of the insured over the course of his career. Our practical knowledge of the carrier’s outlook on property insurance files and experience has proven most beneficial to moving our clients’ current disputes toward resolution with their insurance carriers. We find the Appraisal process, if properly utilized can be a very effective means to properly conclude complex insurance claims in a timely manner.


Many commercial business owners and homeowners find themselves disagreeing with their insurance company's analysis of their insurance claim. However, most are unaware that they can dispute the insurance company's findings via the Insurance Appraisl Process!

During the Insurance appraisal Process : National Adjusters will be your Insurance Appraiser! We work for you, never will we work for the insurance carrier.

Read more here:The Appraisal Process


Mediation is another form of alternative dispute resolution that may be utilized instead of taking a matter to the judicial system or Appraisal for settlement. Mediation is a non-binding and confidential forum wherein participants can work to improve their understanding of each other’s position and, with the assistance of a neutral mediator, attempt to work out an equitable settlement. The mediator does not impose any decision on the parties in disagreement, but rather helps the parties to reach an agreement which is mutually acceptable. We have partaken in mediation a great number of times and dependant on the type of claim and all the variables Mediation may be a option, though it is less likely to reach conclude successfully then the Appraisal Process if you have the option of both.


Defined by the "Windstorm Insurance Network", an umpire is a competent, disinterested, impartial individual who is charged with making a decision regarding the value of property or the amount of a property loss. In the property insurance industry an umpire is an appointed professional in an insurance claim dispute who makes a binding decision after the two parties in an appraisal process fail to agree on a loss. In short, an umpire should be a well trained dispute resolution expert who may have experience in understanding insurance adjusting and all its facets. The option to appoint an umpire is done in the appraisal process, which can be found in most property insurance policies, although a few insurance companies have actually removed the appraisal claus.. This is a process that can help both sides avoid the cost of litigation while reaching a mutually beneficial resolution. We believe the services of an umpire should be utilized in many appraisals. While Umpires may not be used to the fullest extent, an umpire should be appointed at the beginning of the appraisal process so they are available and ready to go in the event the two appraisers cannot agree on the items in dispute.

National Adjusters Principle "Bryan E. Thomas is able to act as an Umpire on claims that National Adjusters is not the appraiser or insurance appraiser.