Trouble In Paradise Adjusting takes a blunt stance summed up in its own words: Insurance Companies Are Not Your Friends, But We Are. Operating statewide across Florida from Coconut Creek, the firm fights to get policyholders the settlement they are entitled to and not what the insurance company thinks they deserve.
This is not a one-person shop. Trouble In Paradise fields a full team of licensed public adjusters, engineers, licensed contractors, property damage attorneys, and support staff, so complex claims get the technical and legal firepower they demand. The firm works on a NO RECOVERY, NO FEE basis and starts every engagement with a free consultation that includes a property inspection and policy evaluation.
They handle fire and smoke, flood, hail, mold, water, wind and tornado, roof leaks, storm damage, commercial property, HOA claims, and business interruption. The firm is BBB accredited and points to Florida state data on why representation matters: homeowners who filed on their own averaged $2,029, versus an average of $17,187 when represented by a public adjuster.
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.
Florida caps a public adjuster's fee at 20% of the claim payment, dropping to 10% for claims from a declared state of emergency (Fla. Stat. § 626.854). The fee applies only to what the insurer pays — it may not be charged on your deductible.
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.
Florida Department of Financial Services licensee search →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 Trouble In Paradise Adjusting, Inc to help policyholders connect with an experienced advocate. We are not affiliated with Trouble In Paradise Adjusting, Inc; 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.
Send the denial letter and your declarations page. You'll get a straight read on whether this is a valuation fight for an adjuster or a coverage fight that needs a lawyer.
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