Claim Concepts Public Adjusters

Claim Concepts was born out of a disaster. When founder Greg Roover watched his own family rebuild after the Northridge Earthquake with a public adjuster in their corner, he saw firsthand what it means to have a professional advocate fighting the insurance company. He founded the firm in 2006 and has spent roughly two decades turning that lesson into recoveries for policyholders.

This is a boutique, family-owned operation that says the quiet part out loud: they are not the firm that will sign up any and every claim that walks through the door. They accept legitimate claims, build detailed and defensible estimates, and back them up with real tools, FLIR thermal imaging, Matterport 3D cameras, and moisture meters that document damage carriers cannot wave away.

The experience runs deep on both sides of the table. Roover carries the Senior Professional Public Adjuster designation and a resume that includes ICC Certified Residential Building Inspector and NFIP Certified Flood Adjuster credentials. Veteran adjuster Morgan 'Eric' Thomas has worked insurance claims since 1989, once sitting on the carrier side as an independent and general adjuster, knowledge he now uses to pull apart lowball offers.

Licensed across Florida, Georgia, South Carolina, and beyond, Claim Concepts handles hurricane, fire, water, mold, smoke, hail, lightning, tornado, flood, and marine losses. Everything runs on contingency, no upfront cost, built on a single promise: We Work For You, Not the Insurance Company.

A public adjuster is the only kind of adjuster licensed to work for you, the policyholder — not the insurance company. They document the loss, build a detailed scope and estimate, read the policy for coverage you may have missed, and negotiate the payout with the carrier, working on a percentage of what you recover.

A public adjuster is not a contractor and not an attorney: they cannot make repairs, file suit, or give legal advice. See what a public adjuster actually does and when to hire one.

Full fee guide → · Drafted for education, not verified by counsel — read your contract and the current statute.

Get the exact legal name and license (or NPN) number, then confirm an active public adjuster license in the state where your property sits. Do it on the official roster — never take the number on a business card at face value.

A public adjuster is the right call when the carrier agrees the loss is covered but the check is too low. When the carrier denies coverage outright, alleges misrepresentation, sits on the claim past the statutory deadlines, or acts in bad faith, that is legal territory a public adjuster cannot enter.

If your claim was denied rather than merely underpaid, start with a free attorney review — see public adjuster vs. attorney, why claims get denied, and the deadlines that protect your rights.

We believe in public adjusters, and we want the good ones to get found and get hired. HurricaneLaw.pro features Claim Concepts Public Adjusters to help policyholders connect with an experienced advocate. We are not affiliated with Claim Concepts Public Adjusters; this profile is compiled from the firm's own public website and materials, and our links to them are meant to send real business their way. Always confirm current licensing yourself on the state roster above before you hire anyone. A firm that would like its listing updated or removed can reach us through the contact page. Independent resource, not a law firm, and not legal advice.