Call Today for a Free Consultation / Evaluation of your claim.

Helping Policyholders just like you for over 30 years.

A company with a track record you can trust!

About Us

You worked to provide for you and your family. Call the claim experts with a proven track record.

Protecting Futures

Insurance Claim Help For Your Home or Business, All Types of Property Insurance Claims, Fire, Smoke, Lightning, Water Damage, Plumbing Leaks, Windstorm, Vehicle etc.

Public Adjusters, Claim Appraisers, Insurance Claim Loss Consultants. For more than thirty years we have helped thousands of Homeowners and Business Owners settle their Insurance Claim quickly, fairly and with Integrity.

We have a A+ Rating as an Accredited Business from the BBB

FDFS LICENSE #: Southern States Public Adjusters Inc. W85156

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Helping our clients though the insurance Jargon

What makes us your best Choice!

The common thread you will observe from out Client reviews are Service, Integrity and Professionalism. We have the skills and resources to settle your claim successfully. We have helped thousand of property owners just like you for more than 30 years. We utilized sophisticated equipment to look for hidden damage not visible to the naked eye. Details are important, our attention to details is what sets us aside from our competitors. Our "Momentum" claim evaluation protocol assures our clients that all coverages and damages are considered and evaluated. We put the time into each claim to assure our clients understand the process and outcome. Our customer service is 5 Star! We return calls that same day and provide regular updates. We provide the services consistently and are available 24-7 for our clients.

Proven Track Record, Proven Results!

"The Litmus Test for future performance is past performance"

Experience and a proven track record you can trust!

Building Relationships

Most relationships are fostered by trust. The same holds true for business relationships. You will likely do business with those you trust or have had a previous business experience with. With a majority of our business coming from referrals and previous customers, we guard our relationships with our clients and potential clients. our "Momentum" claims strategy enables us to pay attention to details and customer service. Some of the actions you can expect from us are routine status reports, you have access to your public adjuster 24 hours a day if needed. All calls, are returned promptly most within a few hours. When we make appointment with you you receive updated ETA and a destination progress updates via text or email. We understand the frustration of making calls or inquiry's and not receiving a timely response. We are equally frustrated about missed or late appointments and we take the needed steps above to eliminate these problems. As evidenced by our numerous client testimonials our client appreciate them as well. All of of this helps build strong relationships with our clients.

Southern states Public Adjusters Verified BBB Reviews

⭐️⭐️⭐️⭐️⭐️ Danielle L.

Plan BBB Review- "You need to call Hal at Southern States Public Adjusters. Hal will take care of everything". Those were the words my aunt repeatedly said after I called her in tears because my house flooded and I was scheduled to leave for a work trip a few hours later. As a new homeowner I was panicked and didn't know what to do. I called Hal first thing in the very early morning. Not only did he call me back right away, he was at my home within just a few short hours. Hal helped direct the water mitigation company and the plumber, asking questions I would have never even thought of. He reviewed my policy and helped me document the damage, he met my insurance adjuster for the walk through while I was on a plane headed out of state and continued to review invoices and claims every step of the way. Southern States helped me recover much more than what the insurance company initially offered and very clearly explained the breakdown of the estimates. Had my aunt not given me the number to Southern States Public Adjusters I would have never been able to complete the necessary repairs or navigate through all the jargon and paperwork. Working with Hal was like working with family. He was patient, kind, and put me at ease when I was breaking down in a panic. I am so grateful my aunt referred me and now any time I hear someone has home damage the first thing I say is "You need to call Hal at Southern States Public Adjusters, Hal will take care of everything!

⭐️⭐️⭐️⭐️⭐️ Mark P.

⭐️⭐️⭐️⭐️⭐️ Danielle L.

BBB Review,

I contacted Southern States Public Adjusters to get help with the denied homeowners insurance claim in Central Florida. My home experienced water damage and mold as a result of a broken toilet. The claim was denied because of long term leakage of the water from the plumbing system. The home is used seasonally and it was vacant at the time of the leak and I was in another part of the country. I spoke with Hal Geoffrey, Mr. Geoffrey was knowledgeable, experienced and honest. He asked pertinent questions and provided the information I needed to better understand the process. Being out of town was not an obstacle and we had regular communication by phone, text and e-mail. What most impressed me about Mr. Geoffrey was his honesty, his knowledge and his thoroughness. When researching public adjusters, I was concerned about finding a reputable company. After speaking and working with Mr. Geoffrey, I was confident my claim was in good hands and that the company was trustworthy. I highly recommend Hal.

⭐️⭐️⭐️⭐️⭐️ Jean M.

⭐️⭐️⭐️⭐️⭐️ Danielle L.

⭐️⭐️⭐️⭐️⭐️ Kelly H. S.

BBB Review, My home suffered damages due to the tornado that came through the area in August. The insurance company responded quickly, but their assessment of damages was not reasonable to say the least. A friend suggested that I contact Hal @ Southern State Adjusters to assist me in recovery funds for repairing damages. He was detailed, knowledgeable and understanding as to my circumstances. With his help I was able to have all of the necessary repairs completed on my home. I would highly recommend this business to anyone who finds themselves in a similar situation. Hal's the Man !!!

⭐️⭐️⭐️⭐️⭐️ Kelly H. S.

⭐️⭐️⭐️⭐️⭐️ Capt. Vernon B.

⭐️⭐️⭐️⭐️⭐️ Kelly H. S.

Southern States Public Adjusters Inc. Assisted me with a water claim for my home. After my home had flooded, my Insurance company sent me a small check to make the necessary repairs. It was not nearly enough to get the job done. I called and spoke with Hal and he was at my house the next day. As a result, Southern States Public Adjusters Inc. was able to help me get the amount I needed to make the necessary repairs. He even helped me get a place to live for a month while the repairs were being made. I am so grateful for Southern states for helping to eliminate the stress of fighting with my insurance company. I highly recommend Southern States.

⭐️⭐️⭐️⭐️⭐️ Capt. Vernon B.

BBB Review, “Southern States Public Adjusters Inc. handled my insurance claim with the utmost care and professionalism! I had a water damage claim at my home. various entities, including my insurance company, were called. It was during the contact with the various companies that I realized that my claim was possible being mishandled by my Homeowners Insurance Company! I did an internet search on the subject and Found Southern states Public Adjusters Inc. After contacting the Public adjusters, all aspects of my claim were put back on track immediately. At all times in the claim process, Southern States Public Adjusters Inc. made sure that my homeowners Insurance company treated me fairly. I learned a valuable lesson through the whole process. If you home is ever involved in ANY type of loss or damage to your home, contact a public adjuster to ensure that you are treated fairly by your homeowners insurance company.

⭐️⭐️⭐️⭐️⭐️ Kasey N.

⭐️⭐️⭐️⭐️⭐️ Capt. Vernon B.

BBB Review , “My husband and I worked with Hal to settle with our homeowner’s insurance company and we are so glad that we did! Hal was professional, courteous and always followed through. Hal stay on top of things and kept us updated along the way. Hal is very through and does an outstanding job, all while maintaining a refreshing sense of professionalism. I would recommend Hal and Sothern States Public Adjusters without reservation.

⭐️⭐️⭐️⭐️⭐️ Nicholas P.

BBB Review,

Hal is very helpful and professional during the entire process. I really appreciate the assistance he provided me. Everyone should get a public adjuster when the damages are more than a few thousand dollars..

⭐️⭐️⭐️⭐️⭐️ Kelly S.

⭐️⭐️⭐️⭐️⭐️ Nicholas P.

BBB Review, “Not long ago a storm came through my neighborhood and the Insurance Company assessed the damages and were only willing to pay for partial repairs of the roof. Fortunately through my neighbor I heard about Hal. Hal made sure I received everything I was entitle to and kept me up to date every step of the process. I trusted him and you can trust him as well. .

⭐️⭐️⭐️⭐️⭐️ Noah W.

⭐️⭐️⭐️⭐️⭐️ Nicholas P.

⭐️⭐️⭐️⭐️⭐️ Patricia D.

BBB Review, Hal was one of two insurance adjusters I called to help with a claim I made to my home owner's insurance. Hal got back to me first, but told me to sit tight until I got the estimate from my home owner's insurance. The other adjuster came out to the house to have a look. But by the time the other guy ended his visit, he was already trying to advise me on getting solar panels for the house when the whole claim revolved around water damage from a leaking toilet. When the insurance company got back to me, I ran their estimate by Hal. He was very up front about my options and didn't try to sell me on anything I didn't need. And when it was all done, Hal didn't even charge me for his time. I really appreciated the straight talk.

⭐️⭐️⭐️⭐️⭐️ Patricia D.

BBB Review I never met these people but they certainly did a great job in getting me a settlement from a reluctant insurance company. I live in California and the property was in Florida. I had been fighting the claim for over 9 months and they got it settled in two months. Even got got a larger settlement than I had been expecting. They kept me informed at all stages with phone calls and e-mails. A great Find!

⭐️⭐️⭐️⭐️⭐️ Tom R.

⭐️⭐️⭐️⭐️⭐️ Patricia D.

⭐️⭐️⭐️⭐️⭐️ Walter P.

BBB Review, Hal Geoffrey, Southern states Public Adjusters. I had major damage in the entire inside of my home. Hal took 5 days going through the entire home. Everything was estimated room to room. He did not miss anything. He then dealt with the Insurance Company Rep.. The two of them talked for over two hours and all the issues were in place. All problems were taken care of in my favor. Great Job Hal, my thanks to you.

⭐️⭐️⭐️⭐️⭐️ Walter P.

⭐️⭐️⭐️⭐️⭐️ Patricia D.

⭐️⭐️⭐️⭐️⭐️ Walter P.

BBB, Yelp, Google.

Our experience with Southern State Public Adjuster Inc. was flawless starting with our personal adjuster Hal, his knowledge and professionalism is Top Notch without his expanded knowledge and experience we would of not have received the out come we did. Hal was there for us every step of the way in the process he was available anytime and kept us updated. As insurance companies continue to raise rates and make changes to coverages it is of the utmost importance to have a Public Adjuster on your side to handle your claim you will be glad you did. We highly recommend Hal.

Frequently Asked Questions

Please contact us if you cannot find an answer to your question.

I don't understand insurance Jargon what do some of the basic terms mean?

Here are some common insurance terminologies:

Policy: A contract between the insurance company and the policyholder that outlines the terms, conditions, coverage, and exclusions of the insurance agreement.
Premium: The amount of money the policyholder pays to the insurance company in exchange for insurance coverage. It is typically paid on a regular basis, such as monthly, quarterly, or annually.
Deductible: The portion of a claim that the policyholder is responsible for paying out of pocket before the insurance coverage kicks in. For example, if you have a $500 deductible and file a claim for $2,000, you would pay the first $500, and the insurance company would cover the remaining $1,500. Generally there are two types of deductibles Wind for windstorm and All-Perils for everything else. Most policies also require you carry sufficient coverage based on a number of valuation methods. If you you could be penalized the the absence of coverage for your property.
Coverage: The specific protections and benefits provided by an insurance policy. Coverage can vary depending on the type of insurance, such as auto insurance, homeowners/commercial insurance, or health insurance. These coverages are often referred to as Perils.
Claim: A request made by the policyholder to the insurance company to receive compensation for a covered loss or event. When a claim is approved, the insurance company pays the policyholder according to the terms of the policy.
Insured: The person or entity that is covered by an insurance policy. The insured can be the policyholder or someone designated by the policyholder, such as a family member or a business entity.
Insurer: The insurance company that provides the insurance coverage and assumes the financial risks associated with the policy.
Exclusion: Specific situations, conditions, or types of losses that are not covered by an insurance policy. Exclusions are listed in the policy and limit the scope of coverage.
Liability: Legal responsibility for an action or event that causes harm or damage to others. Liability insurance provides coverage for the policyholder's legal obligations to pay for damages or injuries caused to third parties.
Underwriting: The process by which an insurance company evaluates and assesses risks to determine the premiums and terms offered for an insurance policy. Underwriters review the application, assess the applicant's risk profile, and determine if coverage will be provided.
Endorsement/Rider: A document that modifies or adds to the terms and conditions of an insurance policy. Endorsements can expand or restrict coverage or make other changes to the policy.
Loss Adjuster/Claims Adjuster: A representative of the insurance company who investigates, assesses, and settles insurance claims. They evaluate the extent of the loss, determine coverage, and negotiate claim settlements.

These are just a few examples of common insurance terminology. Insurance policies and terms can vary, so it's important to carefully review and understand the specific terms and conditions of your policy.

Do I need a Public Adjuster?

Whether or not you need a public adjuster depends on the specific circumstances of your insurance claim. A public adjuster is a licensed professional who can assist policyholders in preparing, filing, and negotiating insurance claims on their behalf. They work independently from the insurance company and advocate for the policyholder's interests.

Here are some factors to consider when deciding whether to hire a public adjuster:

Complexity of the claim: If your insurance claim involves complex issues, such as extensive damage, a large loss, or disputes over coverage, a public adjuster's expertise can be beneficial. They can navigate the claims process, assess the damage, and help gather the necessary documentation to support your claim.
Time constraints or lack of expertise: If you don't have the time, knowledge, or experience to handle the insurance claim process effectively, a public adjuster can provide valuable assistance. They can handle the paperwork, communicate with the insurance company on your behalf, and work to maximize your claim settlement.
Dispute with the insurance company: If you're experiencing difficulties in reaching an agreement with your insurance company regarding the coverage, valuation, or settlement amount, a public adjuster can act as an advocate. They can negotiate with the insurance company and help ensure that your rights as a policyholder are protected.
Loss of income or significant financial impact: If your claim involves substantial financial losses, such as damage to your business or a major property loss, a public adjuster can help ensure that you receive a fair settlement that adequately compensates you for your losses.
Personal preference and comfort level: Some individuals prefer to have a professional handle their insurance claim to alleviate stress, save time, and increase the likelihood of a successful outcome.

It's important to note that public adjusters typically charge a percentage of the insurance claim settlement as their fee, which is usually a percentage of the final settlement amount. Before hiring a public adjuster, consider the potential cost and weigh it against the benefits they can provide in your specific situation.

Ultimately, the decision to hire a public adjuster is a personal one based on your unique circumstances. There is no requirement that you have a Public Adjuster represent you however sometime it makes sense to do so as mentioned above. You may want to consult with a trusted insurance professional or seek legal advice to help you make an informed decision regarding your insurance claim.

How much do you charge?

Our fee's are based on the size and the complexity of your claim. If a state of emergency has been declared our fee's are 10% per Florida guidelines. . All our fee's are based on a contingency basis. Therefore, if you do not receive any settlement funds from your claim the is no fee for services.

My Insurance company has told me I need to hire my own Appraiser for my insurance claim, what does that mean?

An insurance appraisal clause, also known as an appraisal provision or appraisal process, is a provision included in many insurance policies to address disputes between the insurance company and the policyholder regarding the value of a property or the amount of a loss. It is typically found in property insurance policies such as homeowners insurance, commercial property insurance, or automobile insurance.

The appraisal clause provides a mechanism for resolving disagreements over the value of property, the extent of damage, or the amount of a loss, when the policyholder and the insurance company cannot come to an agreement. It allows for an independent evaluation of the disputed issue by impartial appraisers.

Here's a general overview of how the appraisal clause typically works:

Dispute arises: The policyholder and the insurance company cannot agree on the value of the property, the extent of damage, or the amount of the loss.
Invocation of appraisal clause: Either the policyholder or the insurance company invokes the appraisal clause by formally requesting an appraisal.
Selection of appraisers: Each party selects a competent and impartial appraiser. The appraisers should be knowledgeable about the type of property or loss in question. If you choose, we are your appointed appraiser and the insurance company would appoint their appraiser.
Agreement on an umpire: If the two appraisers cannot agree on the value or amount in question, they will select an impartial umpire. The appraisers must agree on the selection of the umpire.
Appraisal process: The appraisers examine the relevant evidence, which may include property inspections, documentation, photographs, and expert opinions. They independently assess the value or amount in question.
Agreement or award: If the appraisers reach an agreement on the value or amount, their decision is binding on both the policyholder and the insurance company. If they disagree, they submit their differences to the umpire for a final decision.
Binding decision: The decision reached by the appraisers or the umpire is binding, and the insurance company is obligated to pay the agreed-upon amount.

The appraisal clause provides a way to resolve valuation disputes outside of the court system, which can help expedite the claims process and potentially save on legal costs. However, it's important to review the specific terms and conditions of your insurance policy to understand how the appraisal clause is structured and the specific steps that need to be followed.

Contact Us

Call now to speak to a Licensed Public Adjuster!

Fill out the form or call us with any questions you have about your insurance claim!

THIS IS A SOLICITATION FOR BUSINESS. IF YOU HAVE HAD A CLAIM FOR AN INSURED PROPERTY LOSS OR DAMAGE AND YOU ARE SATISFIED WITH THE PAYMENT BY YOUR INSURER, YOU MAY DISREGARD THIS ADVERTISEMENT."

Southern States Public Adjusters Inc.

Main Office: 386-740-4850 Lake/Marion: 352-277-5246 Orlando Area: 407-567-7400 North Florida: 904-406-1009 South Florida: 954-707-6763 FDFS LICENSE #: Principle: Harold Joseph Geoffrey A095398 Firm: SSPA Inc. W851567

Hours

Monday - Friday: 9am - 6pm

Saturday: 10am - 2pm

Sunday: Closed

Southern States Public Adjusters Inc.

Helping Policyholders just like you for over 30 years.

About Us

Protecting Futures

Insurance Claim Help For Your Home or Business, All Types of Property Insurance Claims, Fire, Smoke, Lightning, Water Damage, Plumbing Leaks, Windstorm, Vehicle etc.

Public Adjusters, Claim Appraisers, Insurance Claim Loss Consultants. For more than thirty years we have helped thousands of Homeowners and Business Owners settle their Insurance Claim quickly, fairly and with Integrity.

We have a A+ Rating as an Accredited Business from the BBB

What makes us your best Choice!

Proven Track Record, Proven Results!

Building Relationships

Southern states Public Adjusters Verified BBB Reviews

⭐️⭐️⭐️⭐️⭐️ Danielle L.

⭐️⭐️⭐️⭐️⭐️ Danielle L.

⭐️⭐️⭐️⭐️⭐️ Danielle L.

⭐️⭐️⭐️⭐️⭐️ Mark P.

⭐️⭐️⭐️⭐️⭐️ Danielle L.

⭐️⭐️⭐️⭐️⭐️ Danielle L.

⭐️⭐️⭐️⭐️⭐️ Jean M.

⭐️⭐️⭐️⭐️⭐️ Danielle L.

⭐️⭐️⭐️⭐️⭐️ Kelly H. S.

⭐️⭐️⭐️⭐️⭐️ Kelly H. S.

⭐️⭐️⭐️⭐️⭐️ Capt. Vernon B.

⭐️⭐️⭐️⭐️⭐️ Kelly H. S.

⭐️⭐️⭐️⭐️⭐️ Capt. Vernon B.

⭐️⭐️⭐️⭐️⭐️ Capt. Vernon B.

⭐️⭐️⭐️⭐️⭐️ Capt. Vernon B.

⭐️⭐️⭐️⭐️⭐️ Kasey N.

⭐️⭐️⭐️⭐️⭐️ Capt. Vernon B.

⭐️⭐️⭐️⭐️⭐️ Capt. Vernon B.

⭐️⭐️⭐️⭐️⭐️ Nicholas P.

⭐️⭐️⭐️⭐️⭐️ Nicholas P.

⭐️⭐️⭐️⭐️⭐️ Nicholas P.

⭐️⭐️⭐️⭐️⭐️ Kelly S.

⭐️⭐️⭐️⭐️⭐️ Nicholas P.

⭐️⭐️⭐️⭐️⭐️ Nicholas P.

⭐️⭐️⭐️⭐️⭐️ Noah W.

⭐️⭐️⭐️⭐️⭐️ Nicholas P.

⭐️⭐️⭐️⭐️⭐️ Patricia D.

⭐️⭐️⭐️⭐️⭐️ Patricia D.

⭐️⭐️⭐️⭐️⭐️ Patricia D.

⭐️⭐️⭐️⭐️⭐️ Patricia D.

⭐️⭐️⭐️⭐️⭐️ Tom R.

⭐️⭐️⭐️⭐️⭐️ Patricia D.

⭐️⭐️⭐️⭐️⭐️ Walter P.

⭐️⭐️⭐️⭐️⭐️ Walter P.

⭐️⭐️⭐️⭐️⭐️ Patricia D.

⭐️⭐️⭐️⭐️⭐️ Walter P.

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