Public Adjusters · Policyholders Only

Fighting for what you deserve.

Your insurance company has professional adjusters working its side of the claim. Now you do too. Expert representation for hurricane, fire, and property damage claims — no upfront costs, ever.

Public adjusters who work for you — not the insurance company
98%Success rate on represented claims
$50M+Recovered for our clients
24/7Emergency response, every day
Licensed in FL · TX · LA · NC · SC No upfront costs — paid from your settlement 24/7 emergency response Residential & commercial
How It Works

From first call to final check.

A claim handled properly from day one settles higher and closes faster.

Free claim review

We inspect the damage, read your policy, and tell you honestly whether we can add value — no cost, no obligation, no pressure.

We build your claim

Detailed documentation, line-item estimates in the carrier's own software, and a demand anchored in your policy's language.

You get paid

We negotiate directly with the carrier — through supplements, re-inspections, and appraisal if needed — until the settlement reflects your real loss.

Who We Are

Your advocate, not theirs.

As public adjusters, we work exclusively for policyholders — never insurance companies. Our mission is simple: every dollar your policy promises, delivered.

No upfront costs

Our fee comes from your settlement. No recovery, no fee — our incentives are exactly yours.

Maximum settlement

We fight for significantly more than first offers — with the documentation to justify every dollar.

Stress-free process

Every call, every form, every negotiation with your carrier — handled.

More About LCI

Why policyholders choose LCI

$10B+Recovered for our clients
50States where LCI is licensed
500+Happy LCI clients across the Southeast
5.0Average client rating
Schedule Free Consultation
Client Stories

Results our clients talk about.

After Hurricane Ian devastated our home, we were offered only $45,000. This team fought for us and secured $187,000. We could not have rebuilt without them.
SSarah MartinezMiami, FL
Professional, knowledgeable, and truly cared about getting us what we deserved. They handled everything so we could focus on our family.
DDavid ThompsonHouston, TX
The insurance company denied our claim initially. This team reopened it and got us a full settlement. Their policy expertise made all the difference.
JJennifer LeeCharleston, SC
Best decision we made after the storm. They increased our settlement by over 300% and handled all the stressful paperwork.
MMichael RobertsTampa, FL

Ready to get what you deserve?

Join hundreds of policyholders who stopped negotiating alone. The consultation is free — the difference usually isn't small.

Start Your Free Consultation
Questions

Before you call.

What does a public adjuster do?

A public adjuster is a state-licensed professional who represents you — the policyholder — in an insurance claim. Your insurance company's adjuster works for the carrier; we work exclusively for you, documenting your loss, interpreting your policy, and negotiating your settlement.

How much does it cost to hire LCI?

Nothing upfront. Our fee is a percentage of your settlement, agreed in writing before we start and capped by state law. If you don't recover, we don't get paid.

Can you help if my claim was already denied or underpaid?

Yes — a large share of our work is reopening denied claims and recovering underpayments. Policies typically allow supplemental claims and disputes well after the first decision, subject to state deadlines, so a past denial is rarely the end.

Will hiring a public adjuster slow down my claim?

Usually the opposite. Complete documentation and a properly presented claim gives the carrier fewer reasons to delay, and we handle every request and follow-up so nothing sits in a queue.

How much more do public adjusters actually recover?

Every claim is different and no outcome is guaranteed — but industry studies and our own results consistently show professionally represented claims settling substantially higher than first offers, which is why our fee pays for itself in most cases.

What areas do you serve?

Florida, Texas, Louisiana, North Carolina, and South Carolina — backed by a seasoned team and serious estimating power on every claim.

Free Consultation

Let's look at your claim.

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Call us now

866-810-6475

24/7 for emergencies — a person answers.

Service areas

Florida, Texas, Louisiana, North Carolina, South Carolina & surrounding areas.