Palm Beach County Public Adjuster for Homeowners
Your Insurance Company Has an Adjuster. You Should Too.
MJL Public Adjusting and Consulting, LLC is a licensed Florida public adjuster serving Palm Beach County and South Florida homeowners.
Why Hire a Public Adjuster
MJL Public Adjusting
and Consulting, LLC
RATED 5 STARS
Palm Beach, Florida Residential Claims Adjuster
When your home is damaged, your insurance company sends an adjuster to protect its interests. MJL Public Adjusting and Consulting represents you — the policyholder.
We help homeowners in Palm Beach County, Loxahatchee, West Palm Beach, and throughout South Florida prepare, document, negotiate, and fight for fair payment on property insurance claims.
If your claim has been delayed, denied, underpaid, or you are not sure whether the insurance company’s offer is enough, call MJL before you settle.
Call MJL Public Adjusting and Consulting, LLC at (845) 641-2396 for a Free Consultation!
Insurance companies protect their bottom line. MJL protects the policyholder.
After property damage, the insurance company will review your claim, inspect the damage, interpret your policy, and decide what it believes the loss is worth.
That does not mean the first offer is complete, accurate, or fair.
A licensed public adjuster works for the homeowner — not the insurance company. MJL Public Adjusting and Consulting helps identify covered damage, document the full scope of the loss, review policy details, prepare the claim, and negotiate for the settlement you are entitled to under your policy.
Insurance companies have professionals protecting them. MJL helps make sure you have a professional protecting you.
Home Insurance Claims We Handle
MJL Public Adjusting and Consulting assists homeowners with a wide range of residential property insurance claims throughout Palm Beach County and South Florida.
OUR SERVICES
Public Adjuster
Public Insurance Claims Adjuster
Public Insurance Adjuster
Public Claims Adjuster
Public Commercial Claims Adjuster
Large Loss Claims Adjuster
Mall Public Claims Adjuster
Condominium Claims Adjuster
Hospital Public Claims Adjuster
Flood Claims Adjuster
Water Claims Adjuster
Fire Claims Adjuster
Sinkhole Claims Adjuster
Theft Claims Adjuster
Wind Claims Adjuster
Hurricane Claims Adjuster
Tornado Claim Adjuster
Hurricane Damage Claims
Hurricane damage can involve roof damage, wind-driven rain, interior water damage, broken openings, structural concerns, and hidden damage that may not be obvious during the first inspection. MJL helps document the full loss so your claim does not overlook important damage.
Water Damage Claims
Water damage claims can quickly become complicated. Leaks, burst pipes, plumbing failures, appliance leaks, and interior water damage may affect flooring, walls, cabinets, ceilings, and personal property. We help homeowners present a clear, detailed claim.
Roof Damage Claims
Roof claims are often disputed, minimized, or blamed on wear and tear. MJL helps review the damage, organize supporting documentation, and fight for a fair evaluation of covered roof damage.
Flood Damage Claims
Flood-related claims require careful documentation and attention to coverage details. We help homeowners understand the claim process and gather the information needed to support the loss.
Fire and Smoke Damage Claims
Fire claims can involve structural damage, smoke damage, odor, contents, temporary living expenses, and hidden impacts throughout the property. MJL helps homeowners account for the full scope of the damage.
Denied or Underpaid Insurance Claims
If your insurance company denied your claim, delayed payment, or made an offer that seems too low, do not assume the decision is final. MJL can review the claim, inspect the damage, evaluate the documentation, and help challenge an unfair outcome.
Why Hire a Public Adjuster?
CLIENT REVIEWS
MJL Public Adjusting and Consulting Reviews
⭐️⭐️⭐️⭐️⭐️
Rated 5.0 Stars on Google 34 Times
⭐️⭐️⭐️⭐️⭐️
“Hired Michael Lardiere, the owner of MJL Public Adjusting, about three months ago for roof damage caused by the May 2025 hailstorm. The insurance company initially denied my claim, but once Michael got involved, he secured $130,000 for me. His honesty and integrity are unmatched, and I’m extremely happy and grateful for the work he and his team of attorneys did. I highly recommend Michael and his company to anyone who needs to file an insurance claim—especially if you’ve already been denied.”
— Jim Haddad
Google Review
⭐️⭐️⭐️⭐️⭐️
“Absolutely the best decision we made! When our insurance company lowballed us after a severe storm, MJL Public Adjusting stepped in and fought for what we deserved. They were thorough, professional, and made sure we understood every step. Thank you, MJL, for getting us what we needed to rebuild.”
— Honeylhey Sabeniano
Google Review
⭐️⭐️⭐️⭐️⭐️
“Honest, reliable, and powerful advocates! Insurance companies have their own team—MJL is the team YOU need. They treated our family like their own and got us results we never could have achieved alone. Professional, passionate, and incredibly effective. We recommend them to anyone dealing with property damage or a denied claim.”
— Abigail Dodson
Google Review
⭐️⭐️⭐️⭐️⭐️
“They made a stressful situation easy to handle. After a pipe burst in our office building, we were hit with business interruption and property damage. MJL Public Adjusting came in, handled the entire claim process, and made sure we received the compensation we needed to keep our doors open. Truly a lifeline when we needed it most.”
— Cindy Drabek
Google Review
⭐️⭐️⭐️⭐️⭐️
“MJL Public Adjusting turned our nightmare into a victory! After our home suffered major storm damage, we were overwhelmed and unsure where to start. MJL stepped in, took over the insurance process, and got us a settlement that was far more than the insurance company initially offered. Mike and the team were professional, responsive, and genuinely cared about helping us rebuild. Highly recommend!”
— Estela Vidal
Google Review
The insurance company’s adjuster works for the insurance company. A public adjuster works for you.
When you hire MJL Public Adjusting and Consulting, you get an advocate who can help with the details that often determine the outcome of a claim.
MJL helps homeowners:
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Inspect and document property damage
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Review the insurance policy and claim details
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Identify damage that the insurance company may overlook
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Prepare a more complete claim package
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Communicate and negotiate with the insurance company
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Push back against low, delayed, or denied claim decisions
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Reduce the stress of handling the claim alone
Your insurance claim is not just paperwork. It is the money needed to repair your home and recover from a loss. MJL helps you take that process seriously from the beginning.
Do Not Settle Too Quickly
Many homeowners make the mistake of accepting the first insurance estimate because they are overwhelmed, tired, or unsure what else to do.
That can be costly.
Insurance estimates may miss hidden damage, underestimate repair costs, exclude necessary work, or fail to account for the real scope of the loss. Once you accept payment or move forward without a proper review, it may become harder to recover the full amount needed for repairs.
Before you accept a settlement, call MJL for a free claim consultation.
Our Claim Process
1. Free Consultation
We start by listening to what happened, reviewing the status of your claim, and helping you understand your next step.
2. Damage Review and Documentation
MJL reviews the property damage, gathers documentation, and helps identify the full scope of the loss.
3. Policy and Claim Review
We review the claim details and applicable policy information to better understand what may be covered and what needs to be supported.
4. Claim Preparation and Negotiation
We help prepare and present the claim and communicate with the insurance company to pursue a fair settlement.
5. Advocate Until Resolution
MJL stays involved through the claim process and works to protect your interests as the policyholder.
Serving Palm Beach County and South Florida Homeowners
MJL Public Adjusting and Consulting is based in Loxahatchee and serves homeowners throughout Palm Beach County, West Palm Beach, Loxahatchee, Wellington, Royal Palm Beach, Palm Beach Gardens, Jupiter, Boca Raton, Delray Beach, Boynton Beach, Lake Worth, and surrounding South Florida communities.
If your home has been damaged and you are dealing with an insurance claim, MJL can help you understand the process, document your loss, and fight for the compensation you deserve.
Before you accept a settlement, call MJL for a free claim consultation.
Licensed Florida Public Adjuster
MJL Public Adjusting and Consulting is led by Mike Lardiere, Primary Public Adjuster, State of Florida License #W718929.
When you are dealing with an insurance claim, experience, documentation, and advocacy matter. MJL brings a policyholder-first approach to every claim.
Free Insurance Claim Consultation
Do not let the insurance company control the entire process. If your home was damaged by a hurricane, water leak, roof issue, flood, fire, or another covered event, speak with a licensed public adjuster before you accept less than you deserve.
Call MJL Public Adjusting and Consulting today for a free consultation.
Call MJL Public Adjusting and Consulting, LLC at (845) 641-2396 for your Free Consultation!
Homeowner Insurance Claims FAQs
What does a public adjuster do?
A public adjuster represents the policyholder during an insurance claim. Unlike the insurance company’s adjuster, a public adjuster works for you and helps document, prepare, and negotiate your claim.
When should I call a public adjuster?
You should call a public adjuster as soon as possible after property damage, especially before accepting a settlement. You should also call if your claim has been denied, delayed, or underpaid.
Can MJL help if my insurance claim was underpaid?
Yes. MJL can review the insurance company’s estimate, inspect the damage, evaluate the claim documentation, and help pursue a fairer settlement if the claim appears underpaid.
Can MJL help with denied insurance claims?
Yes. If your claim was denied, MJL can review the denial, evaluate the damage and documentation, and help determine whether the claim can be challenged.
What areas does MJL serve?
MJL Public Adjusting and Consulting serves homeowners in Loxahatchee, West Palm Beach, Palm Beach County, and surrounding South Florida communities.
Does MJL handle hurricane, roof, water, flood, and fire claims?
Yes. MJL assists homeowners with hurricane damage, roof damage, water damage, flood claims, fire and smoke damage, and denied or underpaid property insurance claims.