Continental Public Adjusters

What Continental Public Adjusters does

Continental Public Adjusters, Inc. is a Florida-based public insurance adjusting firm founded in 1996 by Edward Michael (Mike) Rump. The company provides licensed, bonded public adjuster representation exclusively to policyholders, negotiating property insurance claims on their behalf against carriers. It serves three primary customer segments: commercial property owners (office buildings, restaurants, hotels, warehouses, retail, medical buildings, schools, marinas), residential homeowners, and condominium/homeowners associations, with an emerging fourth segment of real estate investors with multi-property portfolios. Service offerings are organized by peril type — fire and hail, wind, plumbing leaks, natural disasters (hurricanes, tropical storms, tornadoes, floods), and water and mold damage — and span both structural and contents losses.

The firm's underlying capability stack is human-expertise-led rather than technology-led. The team uses Xactimate cost-estimating software (the same tool used by insurance carriers) for line-item repair estimates, and deploys in-house forensic accounting, contents inventory specialists, and property damage inspection teams for complex commercial and multi-property claims. No proprietary software, APIs, or AI-driven tooling is disclosed; competitive differentiation rests on carrier-side insider experience (multiple team members previously worked at Allstate and Lindsey/Newsome), founder Mike Rump's 42+ years of industry tenure, and his past presidency and ethics chairmanship of the Florida Association of Public Insurance Adjusters (FAPIA).

The business model is contingency-based: Continental Public Adjusters charges no upfront fees and receives a fixed percentage of the actual claim settlement only when the policyholder is paid. Go-to-market is sales-led and direct-to-policyholder, with field offices and representatives across multiple Florida counties, a toll-free intake number, free claim review consultations as the primary lead-capture mechanism, and content/SEO marketing for top-of-funnel demand. The customer base is highly distributed across thousands of policyholders over three decades; named carriers in the input (Frontline, State Farm, Citizens, Lloyds of London, etc.) are negotiating counterparties, not paying customers. A June 2026 engagement on a 14-property Ohio ice storm claim is the first documented work outside Florida, indicating potential but unproven geographic expansion.

Name

Continental Public Adjusters

Legal name

Continental Public Adjusters, Inc.

Website

https://continentalpublicadjusters.com

Company type

Private

Founded year

1996

Operating status

Operating

Short description

Continental Public Adjusters is a Florida-based public insurance adjusting firm representing policyholders against insurance carriers across commercial, residential, condo, and real estate investor segments, operating on a contingency-fee model with no disclosed external funding.

Ownership category

akta.pro rank

Headquarters

HQ city

Coral Springs

HQ country

United States

HQ region

North America

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Contingency-Based Public Adjusting Fees: The company operates on a contingency fee model where they receive payment only when the policyholder receives a settlement. Their fee is a fixed percentage of the actual claim settlement. No upfront fees are charged - they only get paid when the client gets paid.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

Continental Public Adjusters is a licensed public insurance adjusting firm that represents policyholders in negotiating and settling property damage claims with insurance carriers across Florida. The firm manages commercial property claims, residential homeowner claims, and condominium/association claims arising from hurricanes, wind, fire, smoke, hail, plumbing leaks, water damage, and mold. Services include claim documentation, damage inspection, Xactimate-based repair cost estimating, forensic accounting, contents inventory, policy review, and direct negotiation with carriers on a contingency fee basis.

Product overview

Continental Public Adjusters is a public insurance adjusting firm that provides professional claims representation services exclusively for policyholders. The company operates as a service-based practice offering claims management across three primary segments: Commercial Property Claims (covering office buildings, restaurants, hotels, warehouses, retail, supermarkets, medical buildings, schools, religious buildings, and marinas), Residential Property Claims (for individual homeowners), and Condo/Association Claims (for community associations and property managers). Core service offerings include Fire & Hail Damage Claims, Wind Damage Claims, Plumbing Leak Claims, Natural Disaster Claims, Water & Mold Damage Claims, and Smoke Claims. The firm was founded in 1996 and serves policyholders throughout the State of Florida, representing consumers, businesses, and condo/homeowners associations in negotiating with insurance companies to achieve maximum claim settlements.

Differentiator

Problem solved

Functional benefit

Products and services

• Commercial Property Insurance Claims Adjusting Public adjuster representation for commercial property owners (office buildings, medical buildings, restaurants, retail, hotels, warehouses, schools, marinas) in negotiating insurance claims with carriers to obtain maximum settlements for hurricane, fire, water, mold, and other covered damage.
• Residential Property Insurance Claims Adjusting Public adjuster services for individual Florida homeowners navigating insurance claims for damage caused by hurricanes, storms, fire, water leaks, mold, theft, and personal property losses.
• Condo and Association Insurance Claims Specialized representation for condominium associations, homeowners associations, and property management companies managing communal property damage claims, delayed claims, disputed denials, and underpaid settlements.
• Fire and Hail Damage Claims Comprehensive claims management for fire damage (structural, smoke, soot, water damage from firefighting, electrical, HVAC, personal property) and hail damage (roofs, siding, windows, interiors) for both residential and commercial policyholders.
• Wind Damage Claims Expert wind claims adjusting including roof damage, shingle damage, structural repairs, and carrier negotiation, with Xactimate-based line-item repair cost proposals.
• Plumbing Leak Claims Assistance filing pipe leak insurance claims including claim form preparation, damage documentation, adjuster appointment scheduling, and settlement maximization for water damage from plumbing failures.
• Natural Disaster Claims Adjusting Claims handling for hurricanes, tropical storms, hail, tornadoes, lightning, floods, and other natural perils affecting commercial and residential properties, delivered under commercial and residential service lines.
• Water and Mold Damage Claims Expert handling of water damage and mold damage claims across commercial and residential properties including burst pipes, sprinkler damage, leaks, and remediation costs.
• Forensic Accounting Services for Complex Claims Forensic accounting services used for complex commercial and multi-property claims to accurately document and quantify losses, including multi-property ice storm engagements.

Quantifiable outcome

• Public adjuster representation typically results in 747% larger settlements than what insurance companies originally planned to pay, according to OPPAGA study

Named customers8 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators5 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Engle Martin & Associates: Independent claims adjusting firm providing property, casualty, and specialty line adjusting services. Comparable in third-party claims adjusting focus and multi-state property damage expertise.
• Pilot Catastrophe Services: Independent adjusting firm specializing in residential and commercial property catastrophe claims, with strong Florida hurricane response capabilities. Directly comparable in property damage adjusting expertise and Florida catastrophe market overlap.
• Eberl Claims Service: Independent property and casualty claims adjusting firm handling residential and commercial losses across the U.S. Comparable in property claims adjusting focus and Xactimate-based workflow, though typically engaged by carriers rather than policyholders.
• YA Group: Public adjusting and claim consulting firm handling commercial and residential property insurance claims on behalf of policyholders. Direct competitor in the same public adjuster category with similar contingency-based economics.
• Adjusters International: Public insurance adjusting firm representing policyholders in complex commercial and residential property claims. Most directly comparable to Continental in business model, customer type (policyholder), and contingency-fee revenue structure.

Broad incumbents

• Crawford & Company: Global claims management and independent adjusting firm offering end-to-end loss adjusting, third-party administration, and managed repair services. Comparable in property claims adjusting capability but much broader in scope and typically serves carriers rather than policyholders directly.
• McLarens: Global loss adjusting and claims services company handling complex commercial property, casualty, and specialty claims. Comparable in property loss adjusting expertise but serves a broader enterprise client base across many lines of business.
• Sedgwick: Global claims management provider offering property, casualty, and specialty adjusting alongside managed care and other services. Comparable in claims adjusting delivery but operates as a broad incumbent serving carriers and large self-insureds.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/adjustersinc
• Facebookfacebook.com/4thepolicyholder

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Continental Public Adjusters