pagroup

What pagroup does

PolicyHolder Advocacy Group (PAG) is a privately held public adjusting firm headquartered in Naples, Florida, founded circa 2017 and operating as a professional services business that exclusively represents policyholders, not insurance carriers, in the preparation and negotiation of property insurance claims. The firm is licensed in Florida, Oklahoma, Colorado, and South Carolina, and serves three property segments: residential, commercial, and industrial property owners. Its core offering is contingency-fee claims advocacy, with the stated principle that there is no fee absent a recovery, supplemented by free home inspections, free claim reviews, and a Contractor Referral Program that sources leads from trade partners at the moment of loss.

Service lines are organized by claim type: water damage, roof leak, hurricane and wind damage, fire and smoke damage, hail damage, and business interruption. The firm deploys a multidisciplinary bench of licensed public adjusters, structural engineers, water and mold experts, and environmental hygienists to interpret policy language, scope damage, prepare estimates, and negotiate settlements. Marketing is content-led, with an educational blog addressing insurance carrier tactics, bad-faith claims handling, and policyholder rights, paired with a prominent 800-number for inbound conversion and association memberships (FAPIA, IAUA, UpHelp) for legitimacy and referrals.

There is no proprietary technology platform, no mobile application, no API, and no disclosed AI or automation capabilities; the business is delivered through human expertise rather than software. Revenue mechanics are entirely fee-for-service on a contingency basis, with the carrier-funded recovery acting as the unit economics driver, and the firm has not disclosed funding, M&A, headcount, or revenue figures. Geographic reach is concentrated in the Southeast U.S., with multi-state licensing providing a roadmap for further expansion.

Name

pagroup

Legal name

PolicyHolder Advocacy Group

Website

https://policyholderadvocacygroup.com

Company type

Private

Founded year

2017

Operating status

Operating

Short description

PolicyHolder Advocacy Group is a Florida-based public adjusting firm that exclusively represents policyholders in negotiating property insurance claims on a contingency-fee basis, serving residential, commercial, and industrial property owners across four U.S. states.

Ownership category

akta.pro rank

Product category

Public Insurance Adjusting

NAICS

Insurance and Employee Benefit Funds (5251)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Claims Advocacy & Loss Recovery Services (FSAEADAH)

Keywords

• Public insurance adjusting
• Insurance claims advocacy
• Property damage claims
• Policyholder representation
• Contingency claims negotiation

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations

Revenue model

1. Public Adjusting Services: The company operates on a contingency fee model where they are paid only when they successfully recover money for policyholders. As stated on their website: 'when hiring a Public Adjuster, there is NO fee if there is no recovery.' This aligns with standard public adjuster compensation structures in Florida.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

PolicyHolder Advocacy Group is a public adjusting firm that exclusively represents policyholders in preparing, filing, and negotiating property insurance claims. The firm provides end-to-end claim advocacy — including policy interpretation, damage assessment, cost estimation, and settlement negotiation — for water damage, hurricane and wind damage, roof leaks, fire and smoke damage, hail damage, and business interruption claims affecting residential, commercial, and industrial property owners in Florida, Oklahoma, Colorado, and South Carolina. Services are offered on a contingency fee basis with no charge if there is no recovery.

Product overview

PolicyHolder Advocacy Group (PAG) is a public adjuster firm offering a unified portfolio of insurance claims advocacy services exclusively for policyholders. The core offering is public adjusting services supported by free home inspections and a contractor referral program. Services cover multiple claim categories including water damage, hurricane/wind damage, roof leak damage, fire/smoke damage, hail damage, and business interruption claims. The firm serves three property segments: industrial, commercial, and residential properties. Services are currently licensed in Florida, Oklahoma, Colorado, and South Carolina, with headquarters in Naples, Florida.

Differentiator

Problem solved

Functional benefit

Products and services

• Public Insurance Claims Advocacy Core end-to-end public adjusting service that exclusively represents policyholders against insurance companies to maximize settlements for property damage claims, including policy interpretation, damage assessment, cost estimation, and negotiation.
• Water Damage Claims Service
• Hurricane and Wind Damage Claims Service
• Roof Leak Damage Claims Service
• Fire and Smoke Damage Claims Service
• Hail Damage Claims Service
• Business Interruption Claims Service
• Residential Property Claims Service
• Commercial Property Claims Service
• Industrial Property Claims Service

Quantifiable outcome

• Policyholders who hired public adjusters received 574% more money for non-catastrophic claims and 747% more for hurricane-related claims compared to those who did not hire a PA

Named customers3 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered industry association.

• Florida Association of Public Insurance Adjusters (FAPIA)industry associationOthersThe company is affiliated with FAPIA, a professional association for public insurance adjusters in Florida. FAPIA provides industry resources, networking, and advocacy for public adjusters. The company displays the FAPIA logo on their website indicating membership.
• International Association of Uninsurable Areas (IAUA)industry associationOthersIndustry association affiliation shown on company website. IAUA represents areas with unique insurance challenges.
• UpHelpindustry associationOthersNonprofit organization focused on helping policyholders. Company displays UpHelp logo indicating affiliation.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Tutwiler & Associates Public Adjusters: Florida-based public adjusting firm representing policyholders on residential and commercial property claims. Closely comparable to PolicyHolder Advocacy Group in service model (contingency-based representation of insureds), target customer base, and core claim categories including hurricane and water damage.
• GPM Insurance / GPM Adjusters: Public adjusting and claims management firm serving residential and commercial policyholders on property and casualty claims. Comparable in business model (third-party representation of insureds against carriers) and in scope across residential, commercial, and catastrophe-related losses.

Broad incumbents

• Citizens Property Insurance Corporation: Florida's state-created residual market insurer, the largest writer of homeowners insurance in the state. Relevant as the dominant carrier whose claims decisions drive the demand for public adjusters like PolicyHolder Advocacy Group, and operates an extensive in-house claims function on the opposite side of the same negotiation.
• State Farm: Largest U.S. property and casualty insurer with a sizable homeowners book in catastrophe-prone states where PolicyHolder Advocacy Group is licensed. Comparable as the counterparty in policyholder negotiations and as a benchmark for claims-handling practices referenced in the firm's content marketing.
• Allstate: National P&C carrier with significant Florida and coastal exposure. Comparable as a major insurance counterparty in property damage claims, frequently named in denial-pattern commentary, and representative of the institutional scale against which a public adjuster's individualized service is positioned.

Emerging players

• Mike Abourezk / Abourezk Law Firm: Insurance bad-faith law firm referenced on PolicyHolder Advocacy Group's own blog and active in litigating insurer claim handling in South Dakota and nationally. Comparable as an adjacent professional-service provider representing policyholders against carriers, often in collaboration with public adjusters rather than direct competition.

Others

• Florida Association of Public Insurance Adjusters (FAPIA): Professional association for Florida public adjusters, of which PolicyHolder Advocacy Group is a member. Comparable as the industry-body counterpart that defines standards, advocates on contingency-fee regulation, and shapes the operating environment for the firm.
• UpHelp (United Policyholders): Nonprofit consumer advocacy organization for insurance consumers, displayed as an affiliate on PolicyHolder Advocacy Group's site. Comparable as a complementary ecosystem player — non-lobbying consumer education that funnels policyholder claimants toward professional representation like PAG's services.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/policyholder-advocacy-group

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 pagroup