Public Adjusters

Why Use a Public Adjuster?

We Take On The Insurance Companies For You!

If you do not FULLY understand your insurance policy and all the legalese contained therein, you are at a disadvantage when negotiating with the insurance company.

Your insurance company’s adjuster is looking out for the insurance company’s best interests. Let A Golden Years Public Adjuster look out for yours!

There are NO up-front costs.We get paid when YOU get paid!

How It Works:

Step 1

You call us for a free claim consultation.
We review your damages and go over your options.

Step 2

We visit your home to assesses the damages. We will then review your insurance policy to determine what you are entitled to. Once we have made a determination together, we will file a claim on your behalf.

Step 3

At your convenience, we will schedule a joint inspection of the damages with your insurance company’s adjuster.

Step 4

Once your insurance company presents their estimate of the damage, we will begin negotiations to maximize that settlement under your policy. Once you, the homeowner, are in agreement with the amount being offered we will settle the claim on your behalf.

Types of Claims Adjusters:

Company Adjuster- Inside/Desk Adjuster protects the company.

Independent Adjuster- Paid for by the Insurance Company to inspect your damage.

A Public Adjuster protects your rights!

We are licensed, bonded and appointed by the Florida Department of Financial Services.


A Public Adjuster is a representative of the policyholder who advises, manages, and submits a claim to the policyholder's insurance company.

There are three classes of insurance claims adjusters: staff adjusters (employed by an insurance company or self-insured entity), independent adjusters (independent contractors hired by the insurance company) and public adjusters (employed by the policyholder). "Company" or "independent" adjusters can only legally represent the rights of an insurance company.

Click here for more information.

Fire, roof damage, wind and hail damage, pipe breaks, water damage, flooding, mold, theft, and lightning are all common forms of claims that we service.

Anyone who has not read and/or understands their insurance policy. Let’s face it, insurance policies are very difficult to understand if you are not familiar with them. We assist Homeowners as well as Homeowners Associations, Property Managers, Businesses, Estates, and more. Call today for a Free Claims Consultation.

A large percentage of our business is recovering money for people whose claims were outright denied. You can challenge a previous outcome whether you are still with the insurance company or not.

We work all over the state of Florida. We tend to work in the following counties: Alachua, Citrus, Clay, Duval, Hernando, Lake, Levy, Marion, Nassau , Orange, St Johns, Seminole and Sumter.

The claims process can be stressful.Remove the stress!Contact a Golden Years Public Adjuster TODAY!

Voices of Policyholders

Do you have an insurance policyholder story to tell?
Click here to have your voice heard!

We're On Your Side!

If you have any questions or would like to know more about our Public Adjuster services please fill out the form below and we’ll get back to you as soon as possible.

FLDFS# D062075

Contact A Public Adjuster

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Florida’s Leading Independent Insurance Group

Contact us at:
(352) 794-3212
TOLL FREE- 1-844-790-4900
or Email:


Speak to an Agent

Questions? Refer a Friend? Contact Us!

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Our Partners

Aetna, Inc.
1 (800) US- AETNA ( 1-800-872-3862
151 Farmington Ave. | Hartford, CT 06156

Freedom Health

Toll Free: 1-800-401-2740 | TTY/TDD: 711
5403 N Church Ave | Tampa, FL 33614

Gerber Life Insurance
445 State Street | Fremont, MI 49412


1 (800) 457-4708
5000 W Main St. | Louisville, KY 40202

Mutual of Omaha | Contact Page
Mutual of Omaha Insurance Co.
3300 Mutual of Omaha Plaza | Omaha, Nebraska 68175

Ultimate Health Plans

1-888-657-4170 (TTY: 711)
1244 Mariner Boulevard | Spring Hill, FL 34609

United Health Care
1 (800) 607-2877
PO Box 30769 | Salt Lake City, UT 84130-0769

About Golden Years

Local, Independent, Trusted: As one of the fastest growing insurance groups in Florida, Golden Years is able to provide our clients with the latest and greatest of what the insurance industry has to offer and much, much more. We are a full-service, one-stop group affiliated with over 100 of the top insurance companies in the country. At Golden Years, we provide a wide array of services, beginning with a thorough analysis of your current policies, investments, and financial goals.


Proud Member of the Florida Association of Public Insurance Adjusters

Royal Fund Management is Golden Years' advisory firm. Please visit here for more information.

Do you have Estate Planning questions or concerns?  Refer to Trust Docs Online for Answers! Click to Visit Trust Docs Online

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Proud to be an Accredited Member of the Better Business Bureau!