By Eli Goins · FL DFS #P159790 · Reviewed: · 1 min read
Short answer: Yes. Florida public adjusters and policyholder attorneys regularly work together, and their roles are complementary. The adjuster handles scope, valuation, documentation, and negotiation with the carrier, while the attorney handles coverage disputes, litigation, and bad-faith claims. Fees are not double-dipped. Bring both in when coverage is disputed or litigation is likely.
Where roles split
- Public adjuster: scope, valuation, documentation, negotiation with the carrier
- Attorney: coverage disputes, litigation, bad-faith claims, statutory-compliance matters
How the fees work
Fees are not double-dipped. The PA fee comes out of the claim recovery; the attorney fee typically comes from a separate statutory or contractual source (fee shifting was narrowed in 2022 but still exists in limited circumstances).
When to bring both in
- Coverage is disputed (carrier says loss is excluded)
- Bad-faith conduct has occurred
- Litigation is likely