When disaster strikes your property, Smolka & Company works to document your claim thoroughly and pursue the full settlement your policy allows. We represent you — not the insurance company.
Years Combined Experience
Always Available
Upfront Cost
Don't settle for less than you deserve. We handle every type of property claim in Florida.
Get StartedFrom hurricanes to house fires, our team has the experience to document, scope, and pursue the fair settlement your policy provides.
Roof damage, structural failures, fallen trees, and debris removal. We document every detail the insurance company tries to overlook.
Burst pipes, flooding, appliance leaks, and sewage backups. We ensure hidden damage behind walls and under floors is fully accounted for.
Structural damage, smoke infiltration, personal property loss, and additional living expenses during rebuilding.
Mold resulting from covered water damage. We work with certified assessors to document the full extent of contamination.
Missing shingles, leaks, storm damage, and aging roof failures. We fight denied and underpaid roof claims aggressively.
Break-ins, property destruction, and stolen valuables. We meticulously inventory losses and negotiate full replacement value.
From residential fire losses to commercial property destruction, we've represented policyholders on claims of every size.
Insurance companies have teams of adjusters, lawyers, and engineers working on their side. We work exclusively for the policyholder.
Unlike the insurance company's adjuster, we represent your interests exclusively. Our goal is a fair, fully documented settlement under your policy.
We don't get paid unless you do. Our fee comes from the settlement — you never pay out of pocket.
Our team brings over six decades of insurance industry knowledge and has handled thousands of property damage claims throughout South Florida.
We work closely with licensed general contractors and mold assessors to ensure every claim is properly scoped and fully documented.
We handle the entire claims process so you can focus on what matters most — your family and your property.
Call us anytime — we're available 24/7. We'll review your situation and explain your options at no cost.
We conduct a thorough inspection, documenting every detail of damage with photos, measurements, and expert assessments.
We prepare and submit your claim with comprehensive documentation, then negotiate aggressively with your insurance carrier.
We advocate throughout the process to pursue the full, fair settlement your policy provides.
Client feedback from past representations. Every claim is unique and past results do not guarantee a similar outcome.
"After the hurricane, the claims process was overwhelming. Smolka & Company walked us through every step, documented everything thoroughly, and handled all communication with our carrier. We couldn't have done it without them."
"Our water damage claim was initially denied. Chris and David carefully reviewed our policy, re-scoped the loss, and worked through the carrier's review process with us. They were professional from start to finish."
"Professional, responsive, and honest. They explained everything in plain English and kept us updated throughout the entire process. Available around the clock when we needed them. Highly recommend."
A public adjuster is a licensed insurance professional who represents policyholders — not the insurance company — in the claims process. We inspect your property, document the damage, prepare the claim, and negotiate with your insurer to pursue the full settlement your policy allows. Policyholders always have the right to file and manage their own claim without representation.
Public adjuster fees in Florida are contingent and based on a percentage of the insurance recovery, as permitted by Florida law. There is no upfront cost to the policyholder. Exact fee terms are disclosed in writing before representation begins.
The sooner the better. Ideally, contact us before filing your claim or immediately after. However, we can also help if your claim has been denied, underpaid, or is taking too long. Even if you've already received a settlement offer, we can review it and often recover additional funds.
We handle all types of property damage claims including hurricane and wind damage, water damage, fire and smoke damage, mold damage, roof claims, theft, vandalism, flood, and more. If your property has been damaged and you have insurance, we can help.
We serve all of South Florida including Broward County, Palm Beach County, and Miami-Dade County. Our office is located in Sunrise, and we handle claims throughout the tri-county area and beyond.
No. As licensed public adjusters, we represent you in the claims process — we document the damage, prepare the claim, and negotiate with the insurance company. For repairs, we work with a network of trusted licensed general contractors and mold assessors to ensure every claim is fully scoped and properly repaired. Keeping these roles separate protects your interests and complies with Florida law.
