Adjusterman LLC: Services, Fees and How It Works

What is Adjusterman LLC?

Adjusterman LLC is a public adjusting firm in Oakland Park, Florida. A public adjuster is a state-licensed claims handler who works for the person or business that bought the insurance policy, not for the insurance company. When your property is damaged, the insurer sends its own adjuster. Adjusterman's pitch is simple: that adjuster works for the carrier, and Adjusterman works only for you.

The company describes its job as proving "the full scope and value" of a loss and then negotiating the claim with the insurer. In practice that means inspecting the property, reading the policy, documenting the damage, writing an independent estimate, preparing the paperwork the policy requires, and dealing with the carrier on the policyholder's behalf until the claim is settled.

The brand uses a superhero theme and the tagline "When it's broken, burnt, or bashed, flooded, smashed or crashed." The About page says the work behind it "is dead serious."

Two things set the firm's own description apart from a generic public adjuster:

• Technology for documentation. It says it uses aerial drones, thermal cameras, 3D interior capture and professional estimating software to record damage, including damage that is hard to see.
• Larger and specialty losses. Alongside homeowner claims, it has dedicated pages for condominium associations, HOAs, apartment buildings, hotels, office buildings, retail centers, warehouses, losses over $1 million, boats and yachts, and exotic or luxury cars.

Who owns or runs Adjusterman?

The About page says Adjusterman LLC was "Founded by Michael Klavan." He is the licensed public adjuster named on the site, and his license number (P151443) appears in the site footer and on every claim-type page. Several client testimonials on the site also refer to "Michael" by name.

The site mentions "Adjusterman and his team" and "one of Adjusterman's trusted team members," but it does not name other staff or publish a team page. If it matters to you who will inspect your property and handle your file, ask on the first call. The company's claim form page says the callback comes from "a licensed adjuster, not a call center."

The site does not publish a biography for Mr. Klavan beyond his role and license, and it does not state when the company was founded.

Is Adjusterman legit? What you can check

For a public adjuster in Florida, the most useful thing to check is the license, because the state requires one to adjust a claim for pay on a policyholder's behalf. Here is what we found when we checked the Florida Department of Financial Services (DFS) licensee search on 22 October 2026:

Both numbers match the ones the company prints on its site. You can repeat the search at licenseesearch.fldfs.com.

Other things you can see on the company's own site:

• Four written client testimonials (from clients named Karen, Dana, Robin and Sandra) and three video testimonials. The site does not publish a star rating or review count.
• A clear statement that its fee is contingency based and that there is no fee without a recovery.
• A footer note that "Public adjusters do not provide legal advice."

What we did not check: business-entity filings with the Florida Division of Corporations (the search site blocked our automated request), court records, or third-party review sites. You can look those up directly if you want more.

What a public adjuster does, and does not do

Adjusterman's FAQ describes a public adjuster as "a licensed professional claims handler who represents you, the policyholder, in your insurance claim, not the insurance company." It adds that licensed public adjusters "must prove competency through written examination, experience requirements, and background checks."

The company's comparison pages set out how the role differs from the other people involved in a claim:

• The insurance company's adjuster (staff, "desk" or independent adjuster hired by the insurer) is paid by the insurer and scopes the loss for the insurer.
• A public adjuster is licensed by the state to represent the policyholder and is paid a percentage of the recovery.
• An attorney handles legal disputes: lawsuits, coverage litigation and bad-faith claims. Adjusterman's own page says the two "frequently work together," with the adjuster building the factual and financial record, and that if a claim "becomes a legal dispute, we can help you find the right attorney."

Under Florida law, apart from attorneys, only licensed and appointed public adjusters may, for pay, prepare or file a claim for an insured or negotiate its settlement on their behalf.

What kinds of claims does Adjusterman handle?

The company's Claim Types page lists 20 claim types, each with its own page, grouped four ways. Here is the list with a one-line summary of what each page covers.

The site also says it takes vandalism, theft, impact and collapse losses, which "do not have a dedicated page yet," and its claim form includes aircraft as a property type. If your loss does not fit a category, the company's advice is to start a claim anyway and describe what happened.

A theme runs through the peril pages: the dispute is usually about how a loss is classified. For water and pipe claims, the site focuses on "sudden and accidental" damage (typically covered) versus long-term seepage or wear and tear (typically excluded). For mold, it points to policy sublimits and whether the mold followed a covered water loss. For cast iron pipes, it separates the pipe itself, which may be excluded, from the tear-out and resulting damage, which the page says is "frequently covered." Whether any of that applies to you depends on your own policy wording.

Condo, HOA, commercial and income property claims

A large share of the site is about property that is not a single-family home. The company's pages make a few recurring points about these claims:

• Two claims in one. On commercial, multifamily, hotel and office losses, the site treats the physical damage and the lost income (business income or loss of rents) as parallel claims and says it presents them together. The apartment page calls lost rents "the claim the carrier forgets."
• Governing documents matter. For condominium associations and HOAs, the company says it reads the declaration and bylaws alongside the master policy, because they decide what the association insures and what falls to individual owners.
• Systems and code upgrades. The office and commercial pages highlight HVAC, electrical, elevators and ordinance-and-law (code upgrade) coverage as areas where scope is often disputed.

The Large Loss page describes the firm's focus as "substantial commercial and income-property losses" from fire, hurricane, escape of water, impact, vandalism and theft, on recent claims, with losses "generally starting at $1 million in damages." It explains that on claims of that size insurers typically assign senior adjusters, forensic engineers and accountants, and the company says it brings its own experts.

Boats, yachts and high-value cars

Adjusterman is unusual in having dedicated pages for vehicle and vessel claims, which it describes as "written nothing like a property policy."

Marine. The marine page covers hurricane and storm damage, sinking and flooding, fire and electrical damage, collision and grounding, machinery and electronics, and dock, lift and marina damage. It explains the difference between agreed-value policies (which pay a set amount) and actual-cash-value policies (where depreciation is argued), and says it can represent owners insured through specialty marine insurers.

Exotic and luxury cars. This page is about valuation: limited-production, restored classic and heavily optioned vehicles that the company says generic valuation tools undervalue. It lists flood and hurricane damage, fire and transport losses, total-loss valuation disputes, diminished value and agreed-value or collector policies. The company says it documents comparable sales, provenance, options, mileage and condition.

How it documents a loss

Documentation is the center of the company's message. Its process page explains what each tool is used for:

• Aerial drones for roof-level imagery "of slopes nobody can safely walk."
• Thermal imaging to show moisture behind finishes that look dry.
• 3D interior capture to produce "a walkable record of the property as it stood after the loss," which the company says matters when the insurer inspects months later, after repairs.
• Professional estimating software, with estimates written line by line "in the same estimating platforms the carriers use," priced to your local market.
• Itemized contents inventories with quantity, description, age and replacement cost, rather than a lump sum.

The site's practical advice to owners is consistent across pages: photograph and video everything before cleanup, keep receipts for emergency repairs, keep damaged materials when you can, and avoid tearing out evidence before it is documented. Protecting the property from further damage is something most policies require, and the company notes those costs are typically part of the claim.

How much does Adjusterman cost?

Adjusterman does not publish its fee percentage. What it does publish:

• The inspection, policy review and opinion are free and carry no obligation.
• If you hire the firm, it works on contingency: "a percentage of what we recover on your claim."
• Nothing is payable upfront, and if nothing is recovered, no fee is owed.
• The fee is stated in the contract before you sign. The FAQ says, "We explain the exact terms before you sign anything."

Florida law limits what any public adjuster may charge on residential property and condominium unit owner policies. Under section 626.854 of the Florida Statutes, the caps are:

The statute also sets 1% and 0% caps in some cases where the insurer pays or agrees to pay policy limits quickly after the loss or the contract date. These are ceilings, not standard rates. Adjusterman's own blog post on cost says, "the rate in your contract may be lower." The statute says these fee rules apply to residential and condo unit owner policies, so commercial and association contracts are not covered by the same caps. Ask for the percentage in writing whatever kind of property you own.

Your right to cancel. Florida law lets you cancel a public adjuster contract without penalty within 10 days after signing. If the contract was signed for a loss covered by a declared state of emergency, the window is 30 days after the date of loss or 10 days after signing, whichever is longer. Adjusterman's cost post describes this right and encourages owners to "Use it if something does not sit right."

Insurance and financing. These do not really apply: the fee comes out of the claim recovery, not out of pocket. The company's FAQ says hiring a public adjuster does not affect your premium, because rates are driven by claims history and market factors.

What happens step by step

The site describes a five-step process. Here it is with the detail from the Our Process and Start Your Claim pages.

1. First contact. You submit the claim form or call 954-588-2160. The company says it usually calls back the same day, and the first conversation takes "about fifteen minutes."
2. Free inspection and policy review. The company reads your declarations page (limits, deductible, replacement cost or actual cash value, sublimits and exclusions) and inspects the property in person, anywhere in Florida. The process page says it looks at attic sheathing, wall cavities, decking and interior finishes, and checks for law-and-ordinance coverage. If the loss is smaller than your deductible, or the claim is already being handled correctly, the company says it will tell you and you owe nothing.
3. Full-scope documentation. Drone, thermal and 3D capture "where the loss calls for it," plus a contents inventory.
4. Claim preparation. A line-by-line estimate covering structure, contents, code-required upgrades, matching, and tear-out and rebuild. Where the policy provides it, additional living expenses for a home, business income and extra expense for a business, and loss of rents for rental property.
5. Negotiation. Once hired, the company deals with the insurer: attending inspections, answering document requests, and handling recorded statement and proof-of-loss requirements. If the gap does not close, the page mentions formal options such as the policy's appraisal clause and, for sinkhole disputes, the state's neutral evaluation process.
6. Settlement. The page notes that settlement is not always one check. On a replacement cost policy the insurer commonly pays actual cash value first and holds back recoverable depreciation until repairs are done, and the company says it tracks what is held back and what releases it.

What the company asks you to have ready: photos or video taken before cleanup, receipts for emergency repairs, your policy or declarations page, your carrier and policy number, and any letters or estimates from the insurer. It says that if you do not have all of it, it still wants to hear from you.

Florida claim deadlines the company points to

Adjusterman's site puts a lot of weight on deadlines, and cites Florida statutes for them. Here is what the statutes say, so you can check the dates for your own claim.

The company's process page also lists what Florida law requires of the insurer under section 627.70131: acknowledge a claim communication within 7 calendar days, begin investigating within 7 days of receiving proof-of-loss statements, inspect within 30 days if a physical inspection is needed, and pay or deny within 60 days of notice of the claim, with exceptions for factors beyond the insurer's control.

Deadlines depend on your dates and your policy. If a deadline might be close, the company's advice is to send it your dates and it will tell you for free whether there is still time. A Florida attorney can also advise you.

Denied, closed or old claims

Adjusterman says it takes claims at any stage: before you file, after an offer you think is low, while a claim is delayed, and after a denial. Its pages describe three situations it is asked about often:

• The claim was paid and closed. The company says supplemental and reopened claims are "a normal part of Florida property insurance," within the deadlines above. Florida law limits a public adjuster's fee on these to new money obtained after the contract.
• The claim was denied. The company says it can review the denial, request your full claim file, and re-open the loss with more documentation. It describes a denial letter as "the carrier's position, not a determination."
• The damage is months or years old. The company says it depends on your dates and offers to check them for free.

No public adjuster can promise that a denial will be reversed or that a claim will pay more. Whether a reopened or disputed claim is worth pursuing depends on the policy, the facts and the deadlines.

Where is it, what areas does it serve, and when can you call?

Office: 1682 N.E. 33rd St., Suite #1, Oakland Park, FL 33334, in Broward County, Southeast Florida. The FAQ invites people to "Call us, write to us, or knock on our door."

Service area: The company says it represents property owners statewide and inspects "anywhere in Florida." Its Service Areas page lists 21 counties: Broward, Miami-Dade, Palm Beach, Lee, Collier, Charlotte, Sarasota, Manatee, Pinellas, Hillsborough, Polk, Orange, Osceola, Brevard, Volusia, Seminole, Martin, Monroe, Duval, Hendry and Glades, with 67 city pages under them (for example Fort Lauderdale, Miami, Boca Raton, Fort Myers, Naples, Tampa, Orlando, Key West and Jacksonville).

Hours: The claim page says "Call or text 24/7. Property emergencies don't keep business hours, and neither do we." Office visiting hours are not published, so call before you drop by.

Contact: 954-588-2160 (call or text), documents@adjustermanllc.com, or the online claim form.

How it compares with other options

If your property is damaged, these are the usual paths. This table uses general categories, not named firms.

Adjusterman's own comparison pages say that for very small claims, hiring a public adjuster may not be worth it, and that a public adjuster and an attorney can work on the same claim.

Who it suits, and who should look elsewhere

Questions to ask before you sign

Adjusterman's own cost post lists several checks to make before signing with any public adjuster. These, plus a few more, are worth asking on the first call:

• What percentage will you charge on my claim, and is it below the legal cap for my situation (emergency declaration year or not)?
• If this is a reopened or supplemental claim, is the fee calculated only on new money you obtain after I sign?
• Where in the contract is my cancellation window stated, and how long is it?
• Who will inspect my property and who will handle my file day to day?
• If you bring in an engineer, accountant or other expert, who pays for it? (Florida law says third-party services billed to the insured need the insured's separate written agreement.)
• What deadlines apply to my claim, and when do they run out?
• What is your recommendation if the insurer does not move: appraisal, mediation, neutral evaluation, or an attorney?
• Can you confirm your firm license (W913130) and adjuster license (P151443) are current?

How to get started

1. Gather what you have. Photos or video of the damage taken before cleanup, receipts for emergency repairs, your declarations page or policy, your carrier and claim number, and any letters or estimates from the insurer.
2. Contact the company. Call or text 954-588-2160, email documents@adjustermanllc.com, or use the claim form, which asks for claim type, damage type, property type, date of loss and a short description.
3. Have the first conversation. The company says a licensed adjuster calls back, usually the same day, for a roughly 15-minute talk about what happened and what your policy says.
4. Book the free inspection. On site, at a time that suits you, anywhere in Florida.
5. Decide. If there is a claim worth pursuing, the company says it will tell you what it thinks it is worth and what it would do. Read the contract, check the fee and cancellation terms, and only then sign.

Visit Adjusterman LLC

Terms you'll see on the site

• Public adjuster (PA): a state-licensed claims professional hired by the policyholder, not the insurer.
• Declarations page: the summary page of your policy showing limits, deductibles and the coverages you bought.
• Actual cash value (ACV): replacement cost minus depreciation.
• Replacement cost value (RCV): the cost to repair or replace with like kind and quality, without deducting depreciation.
• Recoverable depreciation: on a replacement cost policy, the amount held back from the first payment and released once repairs are done.
• Proof of loss: a sworn statement of the amount claimed that many policies require.
• Supplemental claim: a claim for additional damage from the same loss the insurer already adjusted.
• Appraisal clause: a policy provision for resolving a disagreement over the amount of loss through appraisers and an umpire.
• Ordinance and law (code upgrade) coverage: pays for upgrades building codes require when a damaged structure is repaired.
• Additional living expenses (ALE): temporary housing and related costs while a home cannot be lived in.
• Business income / business interruption: lost income and continuing expenses while a business cannot operate after a covered loss.
• Period of restoration: the time the business income coverage pays for, from the loss until the property should reasonably be repaired.
• Catastrophic ground cover collapse: the narrow sinkhole-related coverage every Florida property insurer must provide; all four statutory conditions must be met.
• Neutral evaluation: a DFS-administered process for sinkhole disputes, nonbinding but mandatory if either side requests it.
• Agreed value: a policy (common for boats and collector cars) that pays a value set when the policy was written.

Frequently asked questions

Sources

All pages checked on 22 October 2026.

1. Home page: adjustermanllc.com
2. About: adjustermanllc.com/about/
3. Our Process: adjustermanllc.com/our-process/
4. FAQ: adjustermanllc.com/faq/
5. Testimonials: adjustermanllc.com/testimonials/
6. Start Your Claim: adjustermanllc.com/claim-submission/
7. Claim Types: adjustermanllc.com/claim-types/
8. Claim type pages: Hurricane, Fire, Water damage, Mold, Broken pipe, Cast iron pipe, Sinkhole, Homeowners
9. Property type pages: Condo associations, HOAs, Apartments, Commercial, Hotels, Office buildings, Retail centers, Industrial and warehouse
10. Other claim pages: Large loss, Business interruption, Marine, Exotic and luxury cars
11. Comparison pages: vs. insurance adjuster, vs. attorney, vs. filing yourself
12. Cost article: What Does a Public Adjuster Cost in Florida?
13. After Hurricane Season: adjustermanllc.com/after-hurricane-season/
14. Service Areas: adjustermanllc.com/service-areas/
15. Florida Department of Financial Services licensee search (records for W913130 and P151443): licenseesearch.fldfs.com
16. Florida Statutes s. 626.854, public adjuster fee caps, cancellation and solicitation rules: flsenate.gov
17. Florida Statutes s. 627.70132, notice of property insurance claim: flsenate.gov