Public Adjuster in Melbourne, Florida

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Board & Beam Adjusting is a licensed public adjuster in Melbourne, Florida, representing homeowners and property owners during hurricane, roof, water, fire, and storm damage insurance claims. We work directly for you—not the insurance company—to help ensure you receive the full and fair settlement your policy allows.

• Hurricane and tropical storm damage
• Roof leaks, wind damage, and hail impact damage
• Water damage and plumbing failures
• Slab leaks and hidden pipe leaks beneath the foundation
• Mold and moisture-related damage (when covered by the policy)
• Fire and smoke damage
• Lightning strikes and power surge damage
• Vandalism and theft-related property damage
• Fallen trees and impact damage
• Denied, delayed, or underpaid insurance claims

Not sure if your loss is covered? If property damage occurred, we can review your policy and help you understand your options. We frequently assist homeowners who are unsure whether damage qualifies for an insurance claim. Before you file, we can inspect the damage, explain what is typically covered, and help you decide the best path forward.

Insurance companies use their own adjusters to evaluate claims, and their goal is to control costs. A public adjuster works exclusively for the policyholder. At Board & Beam Adjusting, we inspect the damage, document the loss, prepare detailed estimates, and negotiate directly with the insurance company to help ensure your claim is handled fairly.

• We work for you, not the insurance company
• We understand Florida insurance policies and claim procedures
• We identify damage that is often missed or undervalued
• We handle communication and negotiation with the carrier
• We help reduce stress during an already difficult situation

As a licensed public adjuster serving Melbourne, we advocate for homeowners throughout the entire claims process—from initial inspection through final settlement.

Every insurance claim is different, but our process is designed to be clear, thorough, and homeowner-focused. From the first inspection through final settlement, we manage the details so you don’t have to.

• Initial Inspection & Policy Review
  We inspect the damage, review your policy, and explain what may be covered before moving forward.
• Damage Documentation & Estimating
  Our team documents all visible and hidden damage and prepares a detailed estimate that reflects the true scope of loss.
• Claim Filing & Carrier Communication
  We handle claim submission and communicate directly with the insurance company on your behalf.
• Negotiation & Dispute Resolution
  If the carrier undervalues or overlooks damage, we negotiate to help ensure the claim is handled fairly.
• Settlement & Resolution
  We work through resolution and settlement so you can focus on repairs and moving forward.

As a licensed public adjuster serving Melbourne, we remain involved throughout the entire claims process—from start to finish.

A public adjuster represents policyholders during the insurance claims process. At Board & Beam Adjusting, we help homeowners in Melbourne document property damage, prepare detailed estimates, and communicate with the insurance company to help ensure claims are handled fairly.

Many homeowners in Melbourne choose to hire a public adjuster when damage is significant, the claim is complex, the insurance payment seems low, or they are unsure whether damage qualifies for coverage. A public adjuster can assist at any stage of the claim.

Florida law regulates public adjuster fees. Fees are typically a percentage of the insurance settlement and are only paid if money is recovered. All fee terms are reviewed and agreed upon before representation begins.

Yes. We regularly assist Melbourne homeowners with denied, delayed, or underpaid insurance claims by reviewing the claim file, identifying missed or undervalued damage, and negotiating with the insurance carrier.

Absolutely. We frequently help homeowners in Melbourne who are unsure whether damage qualifies for an insurance claim. We can inspect the property, review the policy, and help you decide the best course of action before filing.

Yes. We handle hurricane, tropical storm, wind, water, fire, and other property damage insurance claims throughout Melbourne and surrounding areas.

Yes. Your insurance company remains involved in the claim, but we handle communication and negotiation on your behalf to reduce stress and help ensure nothing is overlooked.

Every claim is different. The timeline depends on the type of damage, the insurance company, and whether disputes arise. We guide Melbourne homeowners through each step and keep them informed throughout the process.

If you’ve experienced property damage and aren’t sure what to do next, we can help you understand your options. There’s no obligation—just clear guidance from a licensed public adjuster serving Melbourne.

Board & Beam Adjusting proudly serves homeowners throughout Melbourne and the greater Brevard County area.