When you suffer a loss, hiring a Public Adjuster will be the single most important decision you will make! Take your time and make this decision an educated one. Lesser & Company Florida’s 1st Public Adjusting Firm serving all of Florida since 1944.

When catastrophe strikes, do you know what to do?

“We do!”

Our core focus is to maximize and expedite your financial recovery.  is a full service Disaster Recovery Consulting firm providing Public Insurance Adjusting Services and Catastrophe Re-Construction Estimating. The insurance claims process is a very complicated and time consuming event which should only be handled by experienced claims professionals. It’s your responsibility to document and prove your claim to the insurance company, either by yourself or with the aid of a public adjuster  In your time of need, trust us and feel secure that you interests are receiving the best representation possible.


Serving all of Florida

If you have just suffered a loss and need immediate assistance, Please call:

John Horvitz cell- 561-676-8295


We handle all types of claims large and small, our focus is on high value and water front properties insured by companies like:


When you suffer a loss hiring the right Public Adjuster will be the most important decision you will have to make, Lesser & Company the educated choice!

Who are we?

As an Adjuster for Lesser & Company, you will be hiring Florida’s 1st and most experienced Public Adjusting firm in the state. We have been representing you, the insured, since 1944. The partners and staff at Lesser & Company have over 200 years of combined experience. John Horvitz has been working with Lesser & Company adjusting claims, as well as being the in-house Contractor for the firm, writing their re-construction estimates for over 12 years. I have extensive experience in not only writing reconstruction estimates, actually repairing fire, water and storm damaged homes, assisting in and adjusting losses as well as being a seasoned court room trial expert witness.

All Phase Builders Inc. is a Florida state licensed construction company, with extensive experience in the restoration industry. We have been involved in construction since 1978. Since 1996 we have specialized in the Insurance and Catastrophe Restoration field. During our years in the business, we have restored over a hundred properties damaged by fire, water, storms, lightning, and vandalism.

When you hire Lesser & Company you have secured for yourself or business the best possible representation available in the entire State of Florida!

Catastrophe doesn’t happen every day.

Understanding the Insurance claims process.

Why should I hire a Public Adjuster?

Most property owners rarely read their insurance policies. Insurance policies are filled with jargon and “legalese” that very few of us really understand. A public insurance adjuster understands the legal jargon and insurance policies in general.  The expertise of a public adjuster working on you side will ensure that your interests are properly represented and make sure you receive all the compensation you are entitled to.

What is a Public Adjuster?

Public Adjusters are the only category of insurance adjuster that works exclusively for YOU, the policy holder.

There are three types of adjusters:

  1. A company adjuster (often referred to as simply “insurance adjuster”) works for the insurance company.
  2. An independent adjuster also works for the insurance company. They are simply an agent rather than an employee.
  3. A public adjuster is the only adjuster that works exclusively for policy holders never for the insurance company.

What can a public adjuster do for you?

  • Ensure that you receive the maximum payout according to the terms of your policy.
  • Assume responsibility for all claim documentation, on site appraisal, re-construction estimating, presenting you claim to the insurance company and negotiating the settlement.
  • Allow you to live life normally, knowing that your interests are fully represented by a public adjuster during the entire claims process and settlement meetings.

Selecting a public adjuster.

Any public insurance adjuster you choose should be a member of the National & Florida Association of Public Insurance Adjusters (NAPIA, FAPIA) , Remember, A Public Adjuster represents YOU when you make an insurance claim. We will see to it that you recover the maximum amount that the policy allows.

National Association of Public Insurance Adjusters

Florida Association of Public Insurance Adjusters

We are members of both and founding members of FAPIA.

What type of  disasters do we handle?

  • Fire and Smoke damage
  • Hurricane and Wind damage
  • Flood and all types of Water damage
  • Collapse
  • Theft and Vandalism
  • Mold

How do we get compensated?

Our fee is a small percentage of the gross proceeds actually collected, because the total settlement amount is typically higher than what you would be able to receive without or expertise. The fee is usually offset by the better settlement you will receive with our involvement.

Suffering a loss is stressful enough, the insurance claims process shouldn’t be!

We are here to relieve your stress allowing you to return to your normal way of life.


All Phase Builders Inc. specializing in catastrophe restoration will provide you with a detailed line by line re-construction estimate.
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Lesser & Company Inc., Florida’s 1st Public Adjusting Company has been representing you! the insured since 1944.
Read more


When you want to handle the claim yourself and don’t know where to turn to get a comprehensive re-construction estimate presented in insurance format.

There is no need to search the phone book looking for sub-contractors and staying home for days waiting to meet with the electrician, roofer, plumber, carpenter, HVAC  and flooring companies, All Phase Builders Inc. does it all.

All Phase Builders  Inc. is a Florida state licensed construction company, we have extensive experience in the catastrophe restoration field. We have restored 100’s of properties from all types of losses including  Water, Wind, Hurricane, Fire, Mold, Flood,  Lightning, Theft, & Vandalism.  We have worked for homeowners, insurance companies and public adjusters, we can write estimates for both commercial and residential losses.

At All Phase Builders Inc. we use the Xactimate estimating system for valuating each loss. This is the #1 estimating system for the insurance repair industry. We can take your claims and return an accurate estimate faster than ever before.

Frequently Asked Questions:

Q: Pricing? What do we charge?
A: Prices are below.

Q: What estimating software do we utilize?
A: Xactimate, this is the #1 estimating system for the insurance repair industry.

Q: How do I receive the estimates after they are written?
A: We can send them to you electronically in PDF, mail, fax or whatever is easier for you .

Q: Who does the scoping?
A: The estimators here at All Phase Builders Inc. has very extensive backgrounds in the world of claims adjusting, appraisal, and construction. This is, of course, for both commercial and residential daily/catastrophe events.

Q: When are the fees due?
A: When we complete the estimate.

Q: All Phase Builders Inc.’s name on them?
A: Yes, All estimates have the our name in the header information on the top; this is very inportant since the insurance company will only accept repair estimate from state licensed contractors.

Q: Are we a state of Florida licensed Contractor?
A: Yes!

Q: What is the turnaround time?
A: Usually2-3 business days (from time of scoping the loss)

Q: Does All Phase Builders Inc. handle commercial claims?
A: Yes, we handle both commercial and residential.

Q: What is your background pertaining to claims?
A: All Phase Builders Inc. has been in business for over 10 years specializing exclusively in the Insurance and Catastrophe Restoration field. We have worked for not only homeowners but have provided estimating  services for both Insurance companies and Public adjusting companies. Our extensive experience in the world of claims adjusting, appraisal, and construction is from all perspectives.

Q: Re-inspections?
A: All requests on re-inspections are to be made within 30 days of the completion of the estimate.

Q: Availability?
A: 24/7 – Someone on our team is ALWAYS on call.

Pricing for Repair Estimates:

$300 + 2% of the estimate.

Potential surcharge based on the location


We have handled over $1,000,000,000 in total claims!

LESSER AND SONS INC. was founded by Alfred Lesser in 1944. We have since evolved into Lesser and Company Inc. We are the oldest and most experienced Public Insurance Adjuster firm in the State of Florida. The company is now run by Steven Lesser and his partners. “Over sixty five years ago, my grandfather started this company to provide assistance to our clientele with integrity and maximum effect. The same holds true today” says Steve.

The partners at Lesser and Company public adjusters have over 200 years of combined experience. Over the years we have filed over 5,000 Commercial and 10,000 Residential claims and because we will not accept any settlement that our clients do not approve, we have earned a reputation for prompt service and successful results. Lesser and Company is proud to have the highest claim settlement rate in the State of Florida.

Our experience allows us to negotiate the complex process of insurance claims with confidence and ease. With respect to your claim, we will read your policy from cover to cover. Then, we’ll put our experts to work for you. Once you are a client, our team will…

* Fully document your claim
* Interact with the insurance company adjuster on your behalf
* Answer any questions you may have regarding your claim
* Negotiate the settlement that best meets YOUR interests, NOT the insurance company’s
* Provide you with the peace of mind that comes from knowing your claim is being handled by a professional

At Lesser & Company, we understand how traumatic it can be to have your life turned upside down by a catastrophic event. We believe that it should not be stressful to deal with the insurance company, we are here to help.


There are so many questions to be answered when you have suffered a loss. Whether it is caused by fire, water, theft, windstorm or any disaster, you need to know…What should you do? Where do you live, eat and sleep now that your home is uninhabitable?

Please rest assured that the staff of consultants and loss professionals at Lesser and Company are here to assist you every step of the way. Many decisions must be made to begin the recovery process and our qualified public insurance adjusters are here to handle every aspect of your residential loss.

Residential services include:

  • Conduct a comprehensive review of your policy
  • Assist you in complying with your policy’s requirements, such as mitigating further damage and being aware of time limitations.
  • Conduct a thorough evaluation of your loss, carefully researching, detailing, and substantiating every aspect of your claim, including building damage, personal property, loss of use or fair rental value
  • Present and support an itemized claim package to your insurer
  • Work as your advocate at all inspections and meetings with your insurance company
  • Secure the best possible settlement in the shortest possible time frame
  • Communicate with you every step of the way.
  • Commercial

    Each and every property insurance claim is unique in how it must be presented to the insurance company. As the business owner, what you want to know is when you can get back to business.

    Many decisions must be made to begin this complex process and the professional insurance adjusters at Lesser and Company are available to handle any loss situation. Our staff of expert consultants, are qualified to navigate your insurance claim and maximize your financial recovery in a timely fashion.

    Commercial services include:

  • Analysis of your insurance policy: we identify the types and extent of coverage your policy provides (i.e., whether you have “actual cash value” or “replacement cost” coverage).
  • Damage Inventory and Estimate: we take a detailed inventory of your damaged property items and assess their value and level of loss.
  • Replacement Analysis: we assess the cost of replacing your lost assets and determine how much of it is covered by your insurance policy.
  • Rebuilding Estimates: we estimate the cost of rebuilding your home or business structure and determine how much of it may be covered by your insurance policy.
  • Income Loss Assessment: we assess your loss of income due to the incident.
  • Data Compilation: we assemble all data necessary to support your claim.
  • Claim submission: we are familiar with all the steps and forms which are necessary to submit your claim, and will complete this cumbersome task for you.

At Lesser and Company, we know how difficult it can be to deal with a business slowdown or loss. We make it our business to get your business back up to speed as quickly as possible.


Expert witness testimony for both

Insurance and Construction related claims:

Extensive Construction, Claims and Trial experience.
$250 per hour + expenses. (4 Hour minimum per day)


National Association of Public Insurance Adjusters

Florida Association of Public Insurance Adjusters

National Oceanic and Atmospheric Administration

Federal Emergency Management Agency

Florida Division of Emergency Management

Windstorm Insurance Network

Official Portal of the State of Florida

Department of Business and Professional Regulations

Florida Department of Financial Services

Florida Department of State Division of Corporations



Disaster comes in many shapes and sizes


Lesser & Company Inc. is Florida’s 1st Public Adjusting Company with over 65 years in business we have represented over 5,000 commercial and 10,000 residential clients.

Below is a list of just a few. If you would like a copy of our referral book with over 3,000 clients, please go to the contact page or click here.

Serving Florida since 1944.

COMMERCIAL:                            RESIDENTIAL:

Milton Properties – Miami-Dade county                Jerry Feldman – Brickell, Jupiter

Grand Seas Resort – Daytona                              Raymond Floyd – Palm Beach

The Forge Restaurant – Miami Beach                    Bobby Balogh -Coral Gables

Anthony Abraham – Miami-Dade, Broward           Kendall Coffey – Vero Beach

Diplomat Country Club – Hollywood                      Mark Rubin – Boca Raton


John Horvitz
cell 561-676-8295
office 800-677-7143
fax 561-258-2828
North office:
18110 April Ln.
Jupiter, Florida 33458

South Office:
300 71st St Suite 530
Miami Beach, Florida 33141

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