Licensed Florida Public Adjusters | Lic #P027768 & #P049955

Our Services

We handle every type of residential and commercial property damage claim in Florida. As licensed public adjusters, we represent you — not the insurance company — and work with a trusted network of licensed general contractors and mold assessors to ensure every claim is fully documented. No upfront costs — we only get paid when you do.

Hurricane and wind damage to residential property

Hurricane & Wind Damage

Florida's hurricane season can leave devastating damage in its wake. Insurance companies often try to attribute storm damage to pre-existing conditions or normal wear and tear. We know their playbook — and we fight back.

  • Roof damage and missing shingles
  • Structural damage to walls, windows, and doors
  • Fallen trees and debris removal
  • Fence and screen enclosure damage
  • Water intrusion from wind-driven rain
  • Additional living expenses during repairs
Water damage to flooring and structure

Water Damage

Water damage is one of the most common — and most underpaid — types of property claims. Hidden damage behind walls, under floors, and in ceilings is easy for the insurance company to miss, intentionally or not. We make sure nothing is overlooked.

  • Burst or leaking pipes
  • Appliance failures (water heater, dishwasher, washing machine)
  • Sewage and drain backups
  • Flooding from heavy rain
  • Hidden moisture and structural damage
  • Mold resulting from water damage
Severe fire damage to residential property

Fire & Smoke Damage

Fire claims are among the most complex and emotionally overwhelming. Beyond the visible destruction, smoke and soot infiltrate HVAC systems, ductwork, and porous materials throughout the property. We document the full scope so nothing falls through the cracks.

  • Structural fire damage
  • Smoke and soot contamination
  • Personal property and contents loss
  • Additional living expenses
  • Debris removal and demolition
  • Code upgrade requirements
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Mold Damage

Mold resulting from a covered water loss can be a valid insurance claim — but carriers routinely deny or lowball mold claims. We partner with licensed mold assessors to provide the science and documentation needed to build an airtight case and recover what you're owed.

  • Mold resulting from covered water damage
  • Professional mold assessment coordination
  • Remediation cost documentation
  • Contents cleaning and replacement
  • Air quality testing and clearance
  • Denied mold claim appeals
Roof damage interior view

Roof Claims

Roof claims are the #1 battleground between policyholders and insurance companies in Florida. Carriers deny roof claims citing age, wear and tear, or cosmetic damage — even when the damage is clearly from a covered event. We push back with evidence.

  • Storm and hail damage
  • Missing, cracked, or lifted shingles
  • Tile and flat roof damage
  • Leak-related interior damage
  • Denied and underpaid roof claims
  • Independent engineering reports
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Theft & Vandalism

Property crimes can leave you feeling violated and overwhelmed. Insurance companies require detailed inventories and documentation that most homeowners aren't prepared to provide. We handle the entire process for you.

  • Stolen personal property and electronics
  • Forced entry damage
  • Vandalism and malicious mischief
  • Detailed inventory and valuation
  • Replacement cost calculations
  • Coordination with law enforcement reports
Commercial fire loss - total destruction

Commercial Property Claims

Commercial losses involve complex policies, business interruption calculations, and higher stakes. We've handled claims ranging from small storefronts to large industrial facilities, and we know how to scope, document, and present every aspect of a commercial claim.

  • Commercial fire and storm damage
  • Business interruption claims
  • Inventory and equipment losses
  • Tenant improvements
  • Extra expense coverage
  • Multi-party claim coordination

Denied & Underpaid Claims

If your insurance company denied your claim or offered a settlement that doesn't cover your repairs, don't give up. We specialize in reopening and overturning unfair claim decisions. Many denied claims can be successfully reversed with proper documentation.

  • Claim denial reviews and appeals
  • Underpaid settlement negotiations
  • Policy coverage analysis
  • Supplemental claim preparation
  • Re-inspection requests
  • Appraisal and mediation support

Ready to Discuss Your Property Damage Claim?

Contact us today for a free, no-obligation review of your property damage claim. Available 24/7. Public adjuster fees are contingent on recovery, as permitted by Florida law.

Free Claim Review Chris: 561-319-0600 David: 954-253-6783