Robert Malcolm - Public Adjuster

10/10/2026

Florida neighbors and friends, my best post- hurricane advice is this:

(I'm a licensed Public Adjuster in Fort Walton Beach, the eye went just over my home)

1) Do not sign contracts until you do your homework.

A) You do not need to decide on a roofer or contractor unless you are getting free tarping, it's to get a tree off your house, or something like that.

Don't let them tell you insurance will work faster with them, supplies will run out, or prices will go up. These are stories to get contracts signed while walking up and down streets.

Sales people will be walking the streets for months, there is no hurry. It's more important to pick the right one.

It's also important to make sure all your damages are covered, and that can take a while sometimes. If you rush to do work that wasn't paid for, then it's too late to argue for that coverage.

If another storm hits tomorrow many of those same people will be wherever that storm hits. These are mostly door knockers, sales people, likely from south Florida, not local.

Don't let fear tactics get you stuck with a contractor from south Florida who is just here for money and won't really be there for you. Claims can take a while. You need someone who will be with your the whole way

B) Do not sign a contract with a Public Adjuster for similar fear tactics. Most street walking licensed Public Adjusters are also just sales people who don't do most of the adjusting job, and will onto the next storm or back home while your claim is in the worls. You need someone who will be there ever step, even if it takes a few months to work out all the details.

Lean on your insurance company to do their job. You pay a lot of money every month for this. Many claims will be paid just fine, and there will be nothing more to go for.

But you don't know that and your Public Adjuster doesn't know that until seeing the damage and the claim payout.

Once you get your claim determination, reach out to me (or another Public Adjuster), and I can take a look at your payment and your damages.

Of course if you don't want to deal with your insurance company, or if it's a second home, a Public Adjuster is a great choice to represent you, and it's only 10% for hurricane claims.

The bottom line - Go local. I've worked with many great contractors in this area. If you need a recommendation for a contractor or have questions message me here or text 850.716.9550.

Stay safe, stay smart!

(If you or someone you know got pressured into signing a contract, you have time to get out of it. Reach out to me and I can help.)

10/08/2026

A little hurricane advice:🌀

Don't rush to sign a contract with just anyone, especially if they are not local.

Claims can take a while. So ask yourself, is that south florida company really gonna be there for you the whole way?

Whether it's for repair, remediation, a new roof, or a Public Adjuster, like me, stay local. We're here the whole way.

Be safe!

08/14/2026

Good advice

🏗️ Mitigation means taking action before disaster strikes to reduce risk & prevent future losses.

Every mitigation project is an investment in resilience—protecting not just infrastructure, but the people, places & communities that make Florida home.

💲 ? Research shows that every $1 invested in proactive mitigation can save $4–$11 or more in future disaster costs.

➡️ To learn more about local mitigation, planning & risk reduction efforts, find your county EM office at FloridaDisaster.org/Counties.

06/30/2026

FREE Insurance Claim Review

Property insurance claims can be complex, and settlement amounts vary depending on the scope of covered damage.

If you'd like a professional review of an existing property insurance claim, I offer a free second opinion.

• Residential & Commercial
• No Recovery, No Fee
• Serving homeowners and property owners

Call or message today to learn more. 850.716.9550

Call now to connect with business.

06/30/2026

Let me provide a Free 2nd opinion on your insurance claim.

No recovery, no fee. You have nothing to loose. Call, text, or message me today! 850.716.9550

06/30/2026

🏠 **Did Your Insurance Claim Come Up Short? Or do you even know?**

I help homeowners pursue the **fair insurance settlement** they need to properly repair their home after a covered loss.

✅ **Get a FREE 2nd Opinion Today!**

Many homeowners don't realize that **eligible insurance claims can often be reopened for up to 18 months from the date of loss.** If your settlement wasn't enough to complete the repairs, it may not be too late.

💰 **No Recovery. No Fee.**

✔️ Nothing to lose.
✔️ A properly repaired home to gain.
✔️ Peace of mind knowing your claim was fully evaluated.

📞 Call, text, or send me a message today to find out if I can help.

06/30/2026

🚨 Attention Roofers, Plumbers, Property Managers, Tree Services & General Contractors! 🚨

Do you have customers whose insurance claim just isn't enough to cover the repairs? 🤔

As a Public Adjuster, I help homeowners and property owners pursue the fair insurance settlement they deserve after a covered loss. Too often, I see projects delayed because the insurance payment falls far short of what it actually costs to restore the property.

💼 When your clients receive a fair settlement:
✅ They can move forward with the repairs.
✅ You can complete the work they need.
✅ Everyone benefits.

Let's work together to help homeowners recover after storms, water damage, fire, fallen trees, and other covered losses. 🏠

📞 Call, text, or send me a message to learn how I can help your clients after they've filed an insurance claim.

Together, we can help property owners rebuild—and help your business keep projects moving.

06/20/2026

If the cost to repair your covered damages greatly exceeds what you were paid, you may have been underpaid on your claim.

That's where I can help. A free 2nd opinion could discover $10,000's in damages that were missed, overlooked, or incorrectly applied to your policy and your coverage.

Insurance is expensive. Don't risk getting underpaid. Find out for sure, with a free 2nd opinion on your claim.

I can apply for a supplement claim 18 months after the date of loss-that goes back to January 2025. Let's take a 2nd look before it's too late.

Call, text, or message me here 850.716.9550

06/20/2026

If you had hail in your area, you probably also had a slew of roofers offering to do your new roof.

A couple things to know about that:

1) There is no hurry to sign a contract. It always makes sense to take your time to make such a big decision. Don't let someone rush you into a contract. Check local reviews. Companies come from all over after a big storm, so know who you are dealing with.

2) Some roof claims may get inaccurately denied or underpaid by the insurance company.

That's where I come in. If you file a hail claim and get denied or get just a small repair, you still may qualify for a complete re-roof.

That's good news for you and whatever roofer you choose.

That's what I do as a public adjuster. Insurance doesn't get it right every time. It always makes sense to get a 2nd opinion on your claim, unless you are 100% satisfied!

So if you filed a hail claim, and didn't get paid for a full re-roof, let me take a look. Don't leave anything on the table-or the roof. 😉

06/16/2026

So when do you really NEED a public adjuster for a homeowners claim?

1) Not sure if you have a claim:
If you file a claim and it gets denied, that claim is on your loss run report. That is why it's a good idea to have a public adjuster advise if your loss is a covered loss.

2) 2nd Homes:
If you do not live in the same area as your 2nd home with damage, it is very important to have someone representing your interests on location. And only a Public Adjuster is licensed to work with your insurance company on your behalf.

3) ANY CLAIM AFTER YOU GET PAID OR DENIED!
Regardless of what you think about your claim, you don't really know unless you have a professional assessment. Because public adjusters work on commission, there is no risk and only reward to see if you are owed more on a claim.

Many claims are underpaid or denied, so don't risk that happening to you. Protect your greatest asset, by hiring a Public Adjuster, like me, after you have any homeowners insurance claim.