William S. Cook

Florida Public Adjuster
National Office · 📞 (407) 584‑7789 · ✉️ FlatFeeAppraisal@gmail.com

We Stand In Your Corner When Life Takes a Hit

Storms, leaks and fires can be overwhelming. Our licensed public adjusters step in as your advocates—documenting damage, preparing your claim and negotiating with your insurer. We take the fight off your shoulders so you can focus on getting back on your feet.

Free Claim Consultation Explore Services
Adjuster examining storm-damaged roof with safety vest and clipboard near a Florida home with blue tarps
Average Response Time < 1 Hour
Who We Represent Policyholders Only
Fee Structure Contingency Based
Service Area All of Florida

Our Expertise

Our firm handles the full spectrum of property damage claims. Whether you’ve experienced hurricane winds or hidden water leaks, we assemble the evidence, estimate the scope and guide you toward a full recovery.

Roof with missing shingles after wind damage; adjuster with clipboard taking photos

Wind & Hurricane

High winds can tear shingles, break windows and expose your property to rain. We document storm losses from the roofline to the attic, using photos, measurements and moisture readings to support every line item.

Hand holding moisture meter against stained drywall

Water & Mold

Burst pipes, leaking appliances and unseen moisture cause hidden rot and mold. Our team identifies the source, records mitigation activities and builds a clear, evidence‑backed claim to cover dry‑out, repairs and remediation.

Fire, Smoke & Soot

Blazes and soot can ruin contents and interiors. We inventory affected items, differentiate cleaning from replacement, and coordinate with restoration vendors to ensure your claim accounts for every loss.

  • Scope differentiates structure vs. contents; porous vs. non‑porous materials.
  • Document odor sources and removal; coordinate pack‑out and secure storage.
  • HVAC cleaning and filter replacement when indicated; duct sealing checks.
  • Corrosion control for electronics/metals within the proper time window.
  • Before/after photo logs and vendor reports included for settlement support.

Roof & Hail

Hailstorms leave punctures and bruises invisible from the ground. Our adjusters provide safe access, slope‑by‑slope imaging and professional estimates that link each repair to photographic proof.

Denied & Underpaid

If your insurer refused or lowballed your claim, we re‑examine the policy, reconstruct the file and negotiate for the compensation you deserve.

Business & Associations

Complex losses spanning multiple units and systems require careful coordination. We manage multi‑party claims for businesses, condos and HOAs while minimizing disruptions to operations.

How We Work With You

Our transparent process keeps you informed while we do the heavy lifting. Here’s what to expect when you work with our team.

1
Initial Consultation You tell us your story. We review your policy, discuss coverage questions and outline the next actions—completely free of charge.
2
Damage Assessment & Documentation Our adjusters collect photos, measurements, moisture readings and mitigation records. Each finding is catalogued by area and system for clarity.
3
Claim Preparation & Submission We assemble a detailed estimate supported by evidence, then submit your claim and manage communications with your carrier.
4
Negotiation & Resolution We attend inspections, respond to requests and advocate for a fair settlement. You stay informed at every milestone until payment is secured.

Client Stories

Real people, real recoveries. These are a few of the success stories we’re proud of.

“After a burst pipe flooded our kitchen in the small town of Sable Pines, our adjuster stepped in. They coordinated dry‑out crews, documented everything and secured a settlement that paid for repairs and upgrades.”

— M. H., Sable Pines

“A summer storm tore shingles off our roof in Coral Marina. We tried to handle the claim ourselves but felt overwhelmed. The team took over, presented a thorough estimate and negotiated a fair amount with the insurer.”

— L. T., Coral Marina

“When our shop in Oceanview Park suffered fire damage, William’s team guided us through every step. They understood business interruptions and kept our recovery on schedule.”

— R. S., Oceanview Park

Frequently Asked Questions

Have a question? We’ve answered some of the most common inquiries below. If you don’t see your concern, please reach out directly.

What exactly is a public adjuster?

A public adjuster is a licensed professional who represents you, the policyholder, rather than the insurance company. We file and manage claims, compile documentation, and negotiate settlements on your behalf.

When should I call a public adjuster?

It’s best to contact us as soon as you discover damage. Early involvement ensures your evidence, mitigation and policy requirements are aligned from the start. However, we can also help with claims that are delayed, denied or underpaid.

Are you licensed and insured?

Yes. Our adjusters hold state licenses and carry the required bonds and insurance. We are committed to upholding Florida's regulations and ethical standards (License #641958).

How are your fees structured?

We work on a contingency basis. That means we only collect a pre‑agreed percentage if we recover funds for you. We’ll explain our fee arrangement clearly before any contract is signed.

Ready to Start Your Recovery?

Tell us about your loss. We’ll provide a complimentary claim review and outline the best path forward.