The Insurance Company Has Their Adjuster. Now You Have Yours.
Bellmore Public Adjusting is a licensed public adjuster firm that works exclusively for policyholders. We handle the entire insurance claim process — at no upfront cost to you.
✓ Licensed and bonded adjusters. See license numbers
✓ We work for you, not the insurance company
✓ New claims, underpaid claims, and denied claims
✓ No upfront cost — we only get paid if we win
Licensed & Bonded • No Upfront Fee • ★★★★★ Google Reviews •
Licensed & Bonded • No Upfront Fee •
★★★★★ Google Reviews •
Average Payout Increase of
747%
Average Payout Increase of
747%!
Average Payout Increase of
747%!
Insurance Adjuster vs. Bellmore Adjuster
Their adjuster works to minimize what the insurance company pays. Ours works to maximize what you recover.
Insurance Adjuster
When you file a claim, the insurance company assigns their adjuster. That adjuster's job is to evaluate your loss and settle your claim — efficiently and at minimum cost to the insurer.
They are experienced, trained, and working in their employer's interest. You are navigating the process alone.
Bellmore Adjusters
A public adjuster is a licensed professional who works exclusively for you — the policyholder. Bellmore levels the playing field. We know your policy, know what documentation makes a claim hold up, and know how to negotiate.
Our clients consistently recover significantly more than those who go it alone.
Not Sure Which Route to Take?
After property damage, most owners have three options. Here is what each one actually means for your claim.
Handle the Claim Yourself
You manage every step of the claims process directly with your insurance company — no expert in your corner.
✓ No fees or percentages taken from your settlement
✗ The insurance company's adjuster is a trained professional — you are not negotiating on equal ground
✗ Damage is frequently underdocumented, leaving covered losses off the table entirely
✗ A missed deadline or incorrect filing can permanently reduce or void your claim
✗ Every conversation, inspection, and negotiation falls on you during an already stressful time
Hire an Attorney
A property insurance attorney can represent you in disputes — particularly useful when a claim reaches litigation.
✓ Appropriate when an insurer has acted in bad faith and legal remedy is the only remaining recourse
✗ Attorney fees typically start at 33% of the recovery — significantly higher than a public adjuster's contingency fee
✗ Most attorneys are not trained in property damage documentation or insurance estimating
✗ The legal process is slower than negotiation — litigation often takes years
✗ Best engaged after a PA has already built the claim, not as a first step
Hire Bellmore Public Adjusting
A licensed public adjuster works exclusively for you — handling documentation, negotiation, and every interaction with the insurance company on your behalf.
✓ No upfront cost — Bellmore's fee is a percentage of what we recover, paid only when you are
✓ Our clients recover an average of 747% more than the insurance company's initial offer
✓ Complete documentation from day one — nothing gets left unclaimed
✓ We handle every inspection, conversation, and negotiation directly
✓ You are kept informed throughout — no silence, no chasing, no guessing
A public adjuster is a licensed insurance professional who represents the policyholder — not the insurance company — in the preparation, filing, and negotiation of an insurance claim. Public adjusters are licensed by the state to protect policyholders and ensure fair settlements.
You do not need to understand your policy language, know how to measure and document damage, or know how to negotiate with an insurance company. That is exactly what Bellmore does. Our job is to make sure nothing is missed, nothing is undervalued, and your settlement reflects the full extent of your covered loss.
If you have a new claim, a claim that has stalled, an offer that seems low, or a denial you want to fight —
Bellmore offers a free review with no obligation. We will tell you honestly whether we can add value. If we
cannot, we will tell you that too.
What Is a Public Adjuster — and Why Policyholders Need One
Not Sure What a Public Adjuster Is? You're in Good Company.
Most people haven't heard of one — until they had a claim and needed answers. If that's how you found us, you're in the right place.
When you file a property damage claim, the insurance company sends their adjuster.
Their adjuster is experienced, trained, and working in the insurer's interest. Their goal is to settle your claim quickly — which typically means paying as little as the policy requires. You are navigating that process alone.
A public adjuster works exclusively for you.
We are licensed insurance professionals on the policyholder's side. We inspect your property, document every dollar of damage, review your policy for every applicable coverage, and negotiate your settlement directly with the insurance company. You do not have to deal with the insurer at all.
We only get paid when you do.
Bellmore works on a contingency fee — a percentage of what we recover for you. If we do not recover more, you owe nothing. Our interest and yours are completely aligned.
What We Do For You
From the first inspection to the final settlement — we handle everything while you focus on recovery.
Our expert adjusters inspect your property, take photos, measurements, and document every detail of the loss to ensure all of your property damage is accounted for.
We file your claim or submit all supplemental documentation if you already filed. Our licensed adjusters ensure every element of your loss is documented before a single negotiation begins.
We coordinate every insurance inspection, communicate directly with your insurer, and keep you informed at every step.
You don't have to deal with the insurance company at all — that's our job. We'll save you time, money, and stress.
We prepare a comprehensive estimate based on the full scope of work needed to get your property back to pre-loss conditions.
Leveraging the estimate, we negotiate directly with the insurance company to recover the maximum settlement your policy allows.
What Our Clients Say
"My insurance adjuster did a minimum to help me out. Another adjusting company refused, saying my
deductible was too high to work with. Bellmore showed up right away, quick communication, and best results. Now I have a new roof and lots of repairs paid by insurance that wanted to pay me $0."
— Mindaugas G., Bradenton
"Our homeowner's insurance didn't cover the damage. Bellmore was persistent and obtained the pool company's
insurance policy. The insurance company sent our claim to their attorney — Bellmore negotiated a settlement to get exactly what we needed. Truly a professional service, excellent communication, and a great outcome."
— Mehrshad Y., Maitland
"Bellmore was very knowledgeable and informative. Any issues or questions I had, they were timely with getting back to me and clarified all concerns I had. I would highly recommend them to anyone having to deal with insurance adjusters and appraisers."
— Angel M., Winter Garden
We negotiate with the insurance company on your behalf
Frequently Asked Questions
A: You often cannot know without an independent review. Bellmore provides that review at no cost. We compare your offer to the actual scope of damage and your policy's applicable coverages and tell you honestly whether you are owed more.
A: State law regulates public adjuster fees. Bellmore works on a contingency basis — we charge a percentage of the settlement we recover for you, and nothing if we do not recover. We are fully transparent about the fee
structure before you sign anything.A: Yes. Bellmore handles storm, hurricane, wind, hail, water, flood, mold, fire, and smoke damage claims for residential and commercial properties — even damage to crops.
A: You can hire a public adjuster at any stage of your claim — before filing, after receiving a low offer, or after a denial. Call us wherever you are in the process.
A: On average, Bellmore's clients recover 747% more than the insurance company's initial offer. The contingency fee structure means we have a vested interest in your claim. If we do not recover more, you owe nothing. The question is really whether you can afford not to have representation.
Ready to talk? Call (844) 943-MORE
Get an Expert in Your Corner — at No Upfront Cost.
Free inspection · No upfront cost · Licensed & bonded · New, underpaid, and denied claims
Or call us directly: (844) 943-6673
We will inspect your property, take photos, and measurements, and document every detail to ensure everything is accounted for.
We will file your claim for you or submit all supplemental documentation if you already filed.
