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About Ask An Adjuster

Founded in 2006, Ask An Adjuster Claims adjusting has been entrusted to represent claims ranging from residential to large, complex, multimillion-dollar communities and properties throughout the state of Florida. Since 2006, we have delivered over $1 billion+ to our clients. Our team of experienced adjusters are trained to provide a complete comprehensive claims package to maximize your settlement. If we do not recover any funds, then we don’t collect a payment. No recovery. No Fee.


Leadership with a passion for helping others.

Born in St. Petersburg, Florida Kevin Downs is a Florida Native and has lived in The Sunshine State his entire life. After graduating from The University of Florida, Go Gators, in 2000 with a degree in Finance, Kevin sold insurance policies for the first 5 years of his career. Following Hurricane Wilma in 2005, Kevin joined a roofing company specializing in storm damage where he learned the nuances of wind damage claims and roofs. Kevin then became a Florida State Licensed Public Claims Adjuster in October of 2006. Kevin and his teammate started Ask An Adjuster which has helped more than 47,000+ Florida claimants recover over $1 billion+ from property insurance carriers.


Call Ask An Adjuster Claims Adjusting today and let us handle your insurance claim.
(844) 277-4306

The Ask An Adjuster Difference

We have recovered over $1 billion+ in insurance proceeds on behalf of our clients. Ask An Adjuster Claims Adjusting is one of the largest active public adjusting firms in Florida with offices strategically located throughout the entire state. The Ask An Adjuster team of public adjusters is trained in thermal imaging technology, moisture mapping and is highly experienced in construction and building codes, regulations and construction techniques so we can successfully negotiate with insurance companies on behalf of our clients.

The Ask An Adjuster Mission

To provide the highest quality of service in claims adjusting by using our license and duty as State of Florida appointed Public Claims Adjusters to protect your rights as a policy holder. While using our vast insurance industry experience and expertise we work for you, not the insurance company, to ensure you receive the fair settlement you deserve.

Ask An Adjuster Claims Adjusting work for YOU, not the insurance company! Give us a call for a Free Claim Review, Free Inspection and Free Advice at 844-277-4310 or contact us.

Advantages to hiring an Ask An Adjuster public adjuster

  • Insurance Professionals with YOUR Best Interest at Heart
  • When you submit an insurance claim for damage to your home or business, your insurance company sends out an adjuster who inspects and evaluates your loss, recommends a settlement, AND looks out for your insurance company’s best interests. Ask An Adjuster Claims Adjusting works for you, NOT for your insurance company.
  • We are Public Adjusters who look out for YOUR best interests. We, your Public Adjusters, will prepare, file, and negotiate the maximum dollar settlement for your insurance claim. We make sure you get the best possible insurance settlement.
  • Schedule a FREE property inspection, even if you don’t have damage! Getting a property inspection BEFORE hurricane season will give you peace of mind that your property is in good shape going into storm season. If you have a commercial property or are part of an HOA or Condo Association, you will receive a Certificate of Good Condition if no damage was found after our 11-point inspection. This is helpful for the insurance company to know that any storm damage was not previously there.
  • Ask An Adjuster Claims Adjusting also performs FREE insurance policy reviews. Be sure that you are aware of your coverage and limitations well BEFORE storm season! Don’t wait, have an independent professional check your policy.

Call Ask An Adjuster Claims Adjusting today and let us handle your insurance claim.
(844) 277-4306
Schedule A FREE Inspection

Why Hire A Public Adjuster?


When it comes to damages to your home, having a Public Insurance Claim Adjuster by your side is not just a great choice but an educated decision. As Public Insurance Claim Adjusters at Ask An Adjuster, we will work through your claim to get you the best possible settlement for you.

Handling your own claim without a public adjuster is like going to court without an attorney. You could do it, but without knowledge of the rules and procedures, you might be at a sizable disadvantage.

Also, according to a study by the Office Program Policy Analysis and Government Accountability (OPPAGA), policyholders with public adjuster representation lead to higher average payments, sometimes considerably higher. The studies example of the average compensation hurricane claims in FL were 747% higher when a public adjuster was involved.

You might be asking yourself, how much does the service cost? Our work costs absolutely nothing if we get you nothing. We work on a contingency basis, which means we only get paid if we recover proceeds. Our percentage is based on funds recovered after any prior payments and/or the deductible.

What is the difference between the insurance company adjusters and public adjusters? Insurance company adjusters work for their insurance company and their job is to safeguard the interests of the insurance company. There are often times when insurance company adjusters will settle for a sum that is not always in the policyholder or homeowner’s favor. Our public adjusters have your best interests in mind and work diligently to get you the best settlement possible.

Ask An Adjuster Claims Adjusting work for YOU, not the insurance company! Give us a call for a Free Claim Review, Free Inspection and Free Advice at 321-220-5212 or contact us.

About Public Claims Adjusting

Public Claims Adjusters work for you, not the insurance company.
A public claims adjuster is a property loss claims professional who is an advocate for a policyholder to evaluate and negotiate an insurance claim. Homeowners, business owners, property managers and community association managers engage public claims adjusters to ensure they are getting an equitable settlement from their insurance company.

Handling a claim on your own is like going to court without your own attorney.
Public claims adjusters know how to review and work with Insurance Policies.
Public claims adjusters are experts at properly estimating costs for repairing damage.
Public claims adjusters work the entire complex claims process for you and only you.
Public claims adjusters negotiate a fair settlement directly with the insurance company.
Public claims adjusters expedite the process so you can get your claim paid quickly.

How is a Public Adjuster different from my insurance company adjuster?

There are three types of adjusters licensed by the State of Florida:

Insurance Company Adjuster - is employed by an insurance company to represent the insurance company in dealing with your insurance claim. The insurance company adjuster’s main responsibility is to protect the interests of the insurance company.

Independent Adjuster - is hired by insurance companies to represent them in dealing with you, your loss and damages. The independent adjuster’s main responsibility is to protect the
interests of the insurance company.

Public Adjuster - is licensed and appointed by the State of Florida to protect the rights of policy holders and facilitate a fair settlement between a claimant and their insurance company.


Only a Public Adjuster shares your same goal or timetable.
The insurance company typically sends one of their adjusters to review the damage you present, but they are not always directed to seek out maximum coverages for you. Having Ask An Adjuster Claims Adjusting representing you from the very beginning of the claim process ensures that we keep the claim moving forward at all times and you have someone at all inspections representing you, your clients, and tenants best interests at all times. As a property/asset manager, using the services of a public adjuster only adds value to what you offer your clients and owners.

Our mission as Public Adjusters at Ask An Adjuster Claims Adjusting is “To provide the highest quality of service in claims adjusting by using our license and duty as State of Florida licensed Public Adjusters to protect your rights as a policyholder. While using our vast insurance industry experience and expertise we work for you, not the insurance company, to ensure you receive the fair settlement you deserve.

Call Ask An Adjuster Claims Adjusting today and let us handle your insurance claim.
(844) 277-4306
Schedule A FREE Inspection

What our clients are saying

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“Heather was very professional and efficient! She handled all of the difficult stuff that comes with filing a claim with your homeowners insurance. Would definitely recommend.”

Ashley Powell

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“Fred & Roger Wow!!! My case with them took only 3 months. My insurance company was a pain in the butt. Fred and Roger made sure I got my roof replaced in a great time frame. They got me the money I needed for my entire roof project due to damage done from hail storm and past hurricanes. Not only were they there every time my insurance company showed up. But they also made sure the insurance company wrote every single piece of damage down. These two will not fail you. 1am a veteran and a lot of people don't care about veterans but these 2 kind human beings made sure I was fully taken care of. Needless to say I will never go back to that insurance company but I will go back to Ask An Adjuster if Ineed help with anything else. Thank you so very much Also Everyone in the entire office was welcoming and caring."

Dhari Sena

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“This was the second time we worked with Kathy and this was a total breeze! We had hail damage from last March 2019 and she was still able to submit the claim and get it covered for us in less than a month! This was a super fast process and she got us more money than the insurance had originally proposed.”

Lexie Marchetti

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“Luci is my Adjuster. Very professional, on time, very knowledgeable in what he is doing and will deliver what he promises. He will walk you through every step of the process. Follows up by phone and emails. He will hold your hand and guide you. Very honest and trustworthy. I will recommend him over and over.”

Clare Campbell

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“We had 6 different insurance claims resulting from Irma. As an HOA president, I vetted 4 public adjusters. Five Star Claims Adjusting vetted out the best for our needs. They are professional, experienced and focused on their mission. They were successful in all 6 cases getting us the funds to repair our damages, which was significantly more than the insurance companies first offered.”

Ken Coggins

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“Professionals from the moment I contacted them. Worked with Lennette E. and she was very communicative and easy to contact from the start. Sat down and walked us through step by step, and was always available to answer our numerous questions with sincere interest. She was very knowledgeable on each step and was spot on about how the timeline of the process and what it would/could take. I recommend Ask an Adjuster to all who ask us about our roof. Thank you for all your help in this stressful process. Never felt such a sense of relief when she took over! Thank you, Lennette!”

Tracy Keller

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“Great service provided! Richard kept in contact every step of the way. He was friendly and awesome to work with! Explained things when i needed it and even did his best to always get me an answer! This process was smooth with no hiccups thanks to Richard.”

Marissa Ricknauth

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“Brian Knowles made getting my roof replaced so easy. I’ve recommended Brian and his company to my friends. Two of them have are using them.”

Scott Lahodik

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“We used Ask An Adjuster when they were 5 Star and couldn't be happier. We were at the negative end of dealing with our insurance carrier over hurricane damage when we contacted 5 Star. Chuck Keith stepped in, and within a relatively short time, the claim was resolved in our favor. All we did after contacting 5 Star was to sit back and watch Chuck do his magic. They saved us thousands of dollars!!!
From what we see, the rebranded Ask An Adjuster is now bigger and better. We have signed up for the FREE inspection program and have breathed a hugh sigh of relief as we approach another hurricane season.”

Maureen Moore

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“The claim Adjuster Richard Mosley was very professional and informing during the whole process, everything went smoothly with his help. I plan to recommend all of my family and friends when they become in need of a adjustment agent!”

Alberta Dorsey

Why Choose Ask An Adjuster as Your Public Adjuster?

Our state-of-the-art Thermal Imaging Inspection helps our Florida public adjusters find hidden damage you didn’t know was there.

Regardless if you have submitted a claim or not, our public adjusters can review your property or current claim.

Our Florida Public Adjusters specialize in all types of property claims including storm, water, fire, lightning, tornado, sinkhole, appliance leaks, plumbing damage, and more.

If we aren’t successful, our Florida public adjusting inspections, estimates, submissions and communications cost you nothing.

Our Florida public adjusting team works hard to restore our communities for its business owners and residents.

Our Ask An Adjuster team consists of professionals from all backgrounds, working together to assist you with your Florida insurance claims.


Not satisfied with your settlement? Want a second opinion?

Fill out the form to the right and one of our qualified professionals will get back with you to set up an appointment. Our inspection is free and you don't pay unless we are successful with a recovery!

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Call or email us today!