InterCoastal Public Adjusters

InterCoastal Public Adjusters was built by claims professionals who once worked the other side of the table. Managing partner Michael Scordato spent years as a large-loss independent adjuster for insurance carriers before turning that insider knowledge toward policyholders. Today he carries more than 15 years in claims, holds a public adjuster license in 11 states, serves as an expert witness, and works as a licensed insurance appraiser with the Insurance Appraisal and Umpire Association. Co-managing partner Francisco Holland brings a restoration and project-management background, licenses across 8 east-coast states, a PMI Certified Project Manager credential, and his own certified insurance appraiser designation.

The bench runs deep and hands-on. Adjuster Frankie Martinez pairs 7-plus years of construction work with IICRC certifications in water, fire, smoke, and mold and an all-lines license, and speaks English, Spanish, and Portuguese. Patrick Lands blends residential and commercial construction with IICRC training and 11 years in law enforcement. Zisa Levin adds a background in real estate and insurance law. Behind them, claims coordinator Sarah Loos and marketing coordinator Kaila Holland keep files and clients moving.

The firm was forged in catastrophe, mobilizing for homeowners and commercial owners after Hurricanes Harvey, Irma, Florence, and Michael. By its own account, that work has helped recover tens of millions of dollars across multiple disasters nationwide. InterCoastal handles homeowner catastrophe losses, HOA and commercial claims, fire losses, denied and disputed claims, and the formal appraisal process, and carries firm licenses in both Florida and North Carolina alongside individual licenses stretching from Connecticut and Massachusetts to Texas and Illinois.

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 InterCoastal Public Adjusters to help policyholders connect with an experienced advocate. We are not affiliated with InterCoastal 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.