Florida Public Adjusters · Jacksonville, FL

Your property.
Your claim. Your advocate.

Property damage is hard enough. Let 5th Element help you understand your coverage, document your loss, and pursue the settlement your policy provides.

Get a Free Claim Evaluation TALK TO OUR TEAM (844) 425-2464
Licensed Florida public adjusters We represent you
Your home is more than a claim number.

Let's help you move forward.

New claims / Underpaid claims / Denied claims
Homeowner stories

People first.
Always.

Read homeowner stories ↗
Very professional. They dealt with the insurance company.
Cecil Sapp
They helped us tremendously.
Mike Spell
I would recommend your services in a heartbeat.
Judy Califano
Ken D. Lollar, Florida public adjuster
Ken D. Lollar Florida Licensed & Bonded Public Adjuster
The people in your corner

Experience on both
sides of a claim.
Working on yours.

When the estimate, the paperwork, and the damage don't seem to add up, you need someone who can connect the dots.

Ken's background includes construction and adjusting for insurance carriers. Today, he and the 5th Element team bring that perspective to representing property owners through the claims process.

A closer look at the loss

Property inspections and documentation that give your claim a clear foundation.

A clearer way forward

Help understanding the next step, with communication throughout your claim.

Meet your adjusting team
Find your next step

Where are you
with your claim?

Just found damage? Still waiting for answers? Start with the situation that sounds like yours.

Start with a clear picture.

You found damage. Now come the questions. We can review your situation, inspect the loss, and help you understand what goes into preparing a property insurance claim.

Get help with a new claim
  • Review the damage and your policy
  • Organize photos, estimates, and documents
  • Understand the next steps before moving forward

Different damage. The same commitment.

Residential and commercial property claims.

Look beyond the surface

Water damage claims ↗

From plumbing leaks to damaged interiors, the full scope of a loss matters.

Hurricane & wind

Storm damage. Roof damage.
A path through the paperwork.

Fire & smoke

Help documenting the impact
of fire and smoke damage.

Flood damage

Start by reviewing the loss
and the coverage you carry.

Tree & property damage

Help making the details
of your property loss clear.
A simpler place to start

You focus on getting back to life.
We'll focus on your claim.

01

Tell us what happened.

Start with a free conversation. Share the damage, where your property is located, and anything you've heard from your insurance company.

02

Get a clear assessment.

We'll review the situation and explain how we may be able to help. You'll have a chance to ask about the process and fees before deciding.

03

Put a team on your side.

If you choose to hire us, we help prepare, present, and negotiate your claim while keeping you involved in the decisions that matter.

For contractors & roofers

You know the repairs.
We know the claims process.

Give property owners a dedicated point of contact for their insurance claim, while you focus on the work their property needs.

Explore contractor support
Straight answers

It's your property.
You should know
your options.

Every loss is different. These answers are a starting point. A conversation with our team can help put your situation in context.

Talk to a real person
What does a public adjuster do?

A public adjuster represents the policyholder in a property insurance claim. Our work includes reviewing the policy and damage, documenting the loss, preparing claim information, and communicating with the insurance company on your behalf.

Can you help if I already filed a claim?

Yes, we review existing claims as well as new losses. Have your claim number, insurer correspondence, estimates, and payment information available so the team can understand what has happened so far.

What if my claim was denied or underpaid?

We can review the insurer's explanation alongside the policy and damage documentation. The available next steps depend on the specific facts, coverage, and timing. A review does not guarantee that a decision or payment will change.

How much does a claim evaluation cost?

The initial claim evaluation is free. Before you hire us, we'll explain the written agreement, applicable fees, and how those fees apply to your situation, so you can make an informed decision.

What should I have ready for our first call?

Your property address, a brief description of the damage, the date you first noticed it, and your insurer's name are a good start. If you have them, also gather your policy, photos, estimates, and claim correspondence.

Where in Florida do you work?

5th Element Adjusting lists Florida offices in Jacksonville, Tampa, and Pensacola. Tell our team where your property is located so we can confirm service and the best next step for your claim.

Let's talk about your claim

The first step is
a conversation.

You don't need to have everything figured out. Tell us what's happening, and let's see how we can help.

Start your free claim evaluation.

Request a callback through our contact page, or speak with the team by phone.

Request a callback Prefer to call? (844) 425-2464

Every claim is different. Coverage and outcomes depend on your policy and the facts of your loss.