Very professional. They dealt with the insurance company.Cecil Sapp
A team working on your behalf
Public Adjusting
Public Adjusting
Professionals in Jacksonville, FL
Get to know the people who help property owners navigate the paperwork, inspections, and decisions behind an insurance claim.
Licensed Florida public adjusters
We represent you
Homeowner stories
People first.
Read homeowner stories ↗
People first.
Always.
They helped us tremendously.Mike Spell
I would recommend your services in a heartbeat.Judy Califano
Ken D. Lollar
Florida Licensed & Bonded Public Adjuster
The people in your corner
Experience on both
Meet your adjusting team
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.
The people in your corner
Experience with claims.
Experience with claims.
Commitment to people.
Florida Licensed & Bonded Public Adjuster
Ken D. Lollar
Ken’s experience includes working as a licensed contractor, representing insurance carriers as an adjuster, and representing policyholders as a Florida public adjuster. That background gives him a practical perspective on both the damage to a property and the information needed to explain it.
His work centers on helping property owners understand their claim, document the loss, and communicate the supported issues to the insurer. The focus is on the details of each property and the person relying on the claim to move forward.
Florida Public Adjuster
Kevin P. Cote
Kevin’s background includes residential and small commercial claims, catastrophe and daily assignments, and work as a Florida contractor. His construction experience helps inform his review of damage and proposed repairs.
Based in Pensacola, Kevin values communication with clients throughout the stages of a claim. His role is to help organize the documentation and represent the policyholder’s interests through the adjusting process.
A simpler place to start
You focus on getting back to life.
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.
Let's talk about your claim
The first step is
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) 425-2464Every claim is different. Coverage and outcomes depend on your policy and the facts of your loss.