Your Insurance Company Has an Adjuster.
Now You Do Too!
Aware Owner Public Adjusters are licensed insurance claim advocates serving Arizona, Colorado, Florida, Texas, Nebraska, and West Virginia. From hail damage to hurricane losses, we handle your entire claim so you get the full benefit your policy promises.
Free consultation · No fees unless we win · Licensed in AZ, WV, CO, FL, NE, TX
When Disaster Hits, Insurance Companies Don't Always Play Fair.
Most homeowners face the claims process alone, up against a team of professionals representing the interest of the insurance company.
Claim Denied or Underpaid
Your insurer said the damage wasn't covered, or offered a fraction of what repairs actually cost.
Their Adjuster Works for Them
The insurance company's adjuster is on their payroll. They're not looking out for you.
You Don't Know How to Fight Back
Most homeowners don't know they have the right to hire their own licensed adjuster.
A public adjuster works exclusively for you, not the insurance company. We review your policy, document your loss, and negotiate every dollar you're owed. There is no upfront cost.
Get a Free Claim ReviewWe Handle Every Type of Property Damage Claim
From storm and fire to denied claims, our licensed adjusters know every angle of the insurance process.
Wind Damage Claims
Wind damage can compromise your roof and structure instantly. We document every impact and fight for full replacement costs.
Learn More →Hail Damage Claims
Hail leaves hidden damage insurers routinely undervalue. We find it, prove it, and make sure you're paid for it.
Learn More →Fire Damage
House fires involve complex structural and content losses. We handle the entire claim so you can focus on rebuilding.
Learn More →Water & Plumbing Damage
Water damage moves fast. We act immediately to document the loss before insurers cite 'gradual damage' exclusions.
Learn More →Hurricane Damage
Major storm events require major documentation. We manage large-loss hurricane claims from filing to final settlement.
Learn More →Smoke Damage
Smoke infiltrates everywhere insurers don't check. We document full structural and content damage from smoke exposure.
Learn More →Lightning Damage
Lightning strikes cause electrical, structural, and hidden fire damage. We uncover the full scope of your covered loss.
Learn More →Vandalism Claims
Vandalism claims require fast documentation and precise valuation. We ensure nothing is missed in your settlement.
Learn More →Not sure which type of claim you have?
Get a Free Claim Review — We'll Figure It Out TogetherHow We Maximize Your Insurance Claim
Our proven 5-step process has recovered over $100M for policyholders across six states.
See our full process →
Free Claim Review
A no-cost, no-obligation review of your policy and damage, so you know what's covered and how to position your claim for the strongest outcome.
Policy Analysis & Coverage Check
As policy experts, we know what to look for. We review your policy to identify the coverage that you are entitled to.
Damage Documentation & Estimate
We conduct a thorough on-site inspection and produce a documented estimate of damage, which becomes the foundation of your claim.
Claim Filing & Negotiation
We file your claim, interface directly with the insurance company's adjuster, and negotiate aggressively on your behalf. You don't have to make a single call to your insurer.
Maximum Settlement Delivered
We don't close your file until you've received the maximum settlement your policy allows. Our fee comes only from what we recover, so our success is directly tied to yours.
Ready to start? Your free consultation is one click away.
Get a Free Claim ReviewFL · NE · TX
Real Results. Real Clients.
These are actual clients whose claims were recovered by Aware Owner.
"Great company. Great people. I would use them again in a minute if I had to. They fought by my side the whole time and stuck it out till the end — getting every penny I should have gotten. The insurance company was immediately throwing out really low numbers and Aware Owner held their feet to the fire and fought for me. I would refer them to anyone in my family."
"Great company and team. Was able to get the finances needed to fix my entire house. They flew a team to my home in Florida, took images, weather reports, and a statement of what was happening. Inspected all of the damages and made things happen. Very grateful for all they did for me."
"Call Aware Owner. Do not hesitate. They are on your side and the insurance company is not. I was stuck — nothing but no's from insurance for 12+ months. I called Aware Owner and Josh and the team took care of everything from the very first call. I never spoke to the insurance again and the new answers were yes. Excellent communication and my problems were solved."
Why Homeowners Choose Aware Owner
When your home is on the line, you need an advocate. Not another insurance company insider.
We Work Exclusively for You
Unlike the insurance company's adjuster, our only job is to maximize your settlement. Full stop.
No Upfront Fees — Ever
We work on contingency. You pay nothing unless we recover money for you. Zero financial risk.
Licensed in 6 States
Certified, bonded, and fully licensed in Arizona, Colorado, Florida, Texas, Nebraska, and West Virginia.
$100M+ Recovered
We've helped 4,500+ policyholders recover what they were rightfully owed. Our track record speaks for itself.
We Handle Everything
Paperwork, deadlines, negotiations, documentation, follow-up calls. You focus on your family; we fight your claim.
Bilingual Team
We serve English and Spanish-speaking clients. Our team reflects the communities we protect.
Frequently Asked Questions
The most common questions about public adjusters and property insurance claims.
What does a public adjuster do?
A public adjuster is a licensed insurance professional who represents property owners, not insurance companies, in preparing, filing, and negotiating property damage claims. We review your policy, conduct an independent on-site inspection, document every item of damage, and negotiate directly with your insurer until you receive the maximum settlement your policy allows. You don't have to speak to your insurance company at all. We handle every call, document request, and negotiation on your behalf.
What's the difference between a public adjuster and an insurance adjuster?
An insurance adjuster works for your insurance company — their financial incentive is to minimize your payout. A public adjuster works exclusively for you, the policyholder, and is paid a percentage of what they recover for you. Their incentive is to maximize your settlement. This conflict of interest is built into every claim: the insurance company's adjuster is not on your side.
How much does a public adjuster cost?
Public adjusters work on a contingency fee basis. There is no upfront cost and no fee unless we recover money for you. Our fee is a percentage of the total settlement, agreed upon in writing before we begin any work. In most cases, even after our fee, the net recovery is higher than what the policyholder would have received handling the claim on their own. There are no retainers, no hourly rates, and no out-of-pocket expenses.
Can I hire a public adjuster after I already filed a claim?
Yes — at any stage. You can bring in a public adjuster after you have filed, after you have received a settlement offer, and even after a claim has been denied. If your settlement feels too low, we can review the insurer's scope of loss, produce an independent assessment, and file a supplemental claim for the difference. It is never too late to call Aware Owner.
Public Adjuster Services Across the United States
We serve major metro areas across Arizona, Colorado, Florida, Texas, Nebraska, and West Virginia. If your property sustained damage, we're licensed to help.
Don't Let the Insurance Company Win.
Get a Free Claim Review Today.
Most insurance policies have strict deadlines for filing supplemental claims. The sooner you call, the more we can recover for you.
Get a Free Claim Review
Free Consultation · No Fees Unless We Win · Licensed in AZ, WV, CO, FL, NE, TX
1-800-396-AWARE · info@awareowner.com