Building & tenant improvements
Roof systems, interiors, build-outs and affected systems organized into a property-specific repair scope.
PUBLIC ADJUSTERS FOR PROPERTY OWNERSProperty damage is stressful.
Property damage is stressful.
Getting help shouldn’t be.
Your insurance company has an adjuster. You can have one on your side. We inspect the damage, document the repair scope and help pursue the payment your policy supports.
- Free inspection & consultation
- New, denied & underpaid claims
- Phone, Zoom or in person
Get my free claim reviewTell us what happened. A team member will contact you.
A real person. A clear next step.
A stronger claim starts here.Scope. Evidence. Representation.
Damage documented
Estimate reviewed
Your next stepFind my path ↗︎
How we work, from the first conversation.
HOMES · CONDOS · BUSINESSES
Licensed Public AdjustersFlorida firm license G288962
Residential and Commercial ClaimsHomes, businesses and complex properties
Free Claim Review and InspectionA clear starting point
Phone, Zoom or In PersonChoose what works for you
EARLY ACTION. A STRONGER START.Damage doesn’t wait.
Damage doesn’t wait.
Your next step shouldn’t either.
Evidence can disappear. Damage can spread. Policy notice requirements and claim deadlines may apply. Get guidance now, while the details are fresh.
Talk to a public adjuster today ↗︎Get advice before detailed claim discussions when possible. Do not delay notifying your insurer, emergency protection or required cooperation while waiting for a consultation.
- 01
Protect what matters.
Put safety first and take reasonable steps to prevent further damage.
- 02
Capture it now.
Keep photos, dates, receipts and the story of what happened.
- 03
Get your next move clear.
Review your policy obligations and ask us about the claim.
LET’S MAKE THIS SIMPLEWhere’s your
Where’s your
claim right now?
Skip the insurance vocabulary. Start with what’s happening to you.
01 / YOUR NEXT MOVEThe check arrived.
The check arrived.
The repairs still don’t add up.
Already received a check? We can review the carrier’s estimate for missing rooms, quantities, materials and repair operations.
- Compare the full estimates
- Identify missing scope and quantities
- Organize evidence behind the difference
FOR BUSINESS OWNERS & PROPERTY MANAGERSYour property is damaged.
Your property is damaged.
Your business is still counting on you.
Keep your attention on your people and operations. Bring us in to inspect, estimate and organize the property claim, with the building damage and business impact considered together.
Equipment & business property
Machinery, furnishings, stock and inventory documented with ownership, condition and replacement records.
Business interruption
Revenue history, operational disruption and claimed expenses organized with your financial team for policy review.
Complex properties
Multifamily, retail, offices, hospitality and institutional properties with multiple spaces and stakeholders.
New loss, disputed scope or payment that falls short?
Start with the policy, carrier correspondence and the repair estimates you have.
THE DETAILS CAN CHANGE THE CONVERSATIONWe inspect, estimate
We inspect, estimate
and build the claim file.
We inspect the damage, identify missing scope, prepare detailed estimates and organize the evidence supporting your claim.
A careful inspection.
A complete, careful look.
From the source of damage to affected finishes, the scope deserves a closer look.
Every detail.
Every supported dollar.
An overlooked room, missing removal work or an unsupported quantity can change the repair scope.
Room-by-room scope 01
Quantity comparison 02
Supporting evidence 03
03 / TAKE THE WEIGHT OFF
One team handles the claim work.
Our support team coordinates inspections, estimates, documents, deadlines and professional communication with the carrier.
See how representation works ↗︎A clear starting pointEvidence organizedQuestions followed upYou kept in the conversation
SEE THE NUMBERS DIFFERENTLYTwo estimates.
Two estimates.
One important gap.
A carrier estimate can look complete until you compare the rooms, quantities, materials and repair operations line by line. Explore four illustrative examples below.
Try an example:
Have us review the actual estimates ↗︎ESTIMATE COMPARISONIllustration only
Gross estimate difference$50,000
$25,000Carrier estimate
$75,000Repair estimate
Based only on the numbers entered. This is not a settlement prediction. Deductibles, depreciation, limits, prior payments and coverage are not included.
THE RESEARCH, MADE VISIBLEA difference
A difference
worth understanding.
In one hurricane-claim category, Florida’s OPPAGA study reported median payments 747% higher with public adjuster representation.
Citizens claims filed in 2008–2009 relating to 2005 hurricanes. Historical research, not AF Claims results or a prediction. Figures are before public adjuster fees. The report also found represented claims took longer to settle.
Read the original study, Exhibit 6 ↗︎747%higher median payment
Without a public adjuster$2,029
With a public adjuster$17,187
About 8.47× the total payment, not 7.47×.
Source: OPPAGA Report 10-06, January 2010, page 7.
WHATEVER HAPPENED, START HEREDamage has a type.
All claim types ↗︎Damage has a type.
Your support has a name.
Storm & hurricane
Roof, openings, interiors. Connect the effects of the storm.
Water & plumbing
Document the source, drying work and affected materials.
Roof damage
Get the proposed repair scope into sharper focus.
Fire & smoke
Bring the building, contents and disruption into the file.
Mold-related loss
Put the moisture history and assessment records together.
Commercial claims
Keep property damage and business records connected.
FROM THE FRONT DOOR TO THE SKYLINEOne damaged room.
One damaged room.
Or an entire world disrupted.
Our team is built to organize complex claims across property types and keep every moving part connected.
Homes & condos
Water, roof, fire, mold and storm claims.
High-rises & commercial
Multifamily, offices, retail and complex buildings.
Churches & ministries
Sanctuaries, schools, fellowship halls and community facilities handled with care.
Yachts & specialty property
Unique assets and documentation-heavy losses.
A PROCESS YOU CAN FOLLOWFrom “what now?”
From “what now?”
to a clear next step.
Someone on your side.At every stage of the claim.
01Talk it through.
+
Tell us what happened and where the claim stands. The first conversation is free.
02Review the policy and damage.
+
Bring the available policy, carrier letters, photos and repair information together.
03Inspect the full picture.
+
Document affected areas, measurements and observations that support the repair scope.
04Build the claim presentation.
+
Connect the estimate, invoices and reports with the evidence behind each issue.
05Negotiate and keep you informed.
+
Work through open questions and the carrier’s position. Results and timelines depend on the claim.
FREE DIGITAL EDITIONKNOW THE GAME BEFORE THE NEXT MOVEThe playbook homeowners
The playbook homeowners
wish they had on day one.
The Insurance Game: And How To Win It turns insurance confusion into a clear strategy. Learn the players, the pressure points and the moves that help property owners protect the value of their claim.
THE CLAIM JOURNALLess uncertainty.
All articles ↗︎Less uncertainty.
Better-informed decisions.
GETTING STARTED
Property damage? Your first moves matter.
A calm, practical starting point for protecting your property and documenting a loss.
Read article ↗︎ESTIMATE EXPLAINED
Already received a check? Look at the scope.
Five things to compare before assuming the carrier’s estimate covers the whole repair.
Read article ↗︎
CLAIM CONFIDENCE
Your first claim review, without the overwhelm.
What to bring, what to ask and what a public adjuster actually does.
Read article ↗︎Can you help after I’ve already been paid?
We can review the payment, estimate and supporting records. A payment does not tell us by itself whether the full repair scope has been addressed.
What does the free review include?
An initial conversation about the damage, claim status and available documents, plus discussion of an inspection where appropriate. Representation terms are explained separately.
How do you pursue the strongest supported result?
We inspect the damage, identify missing scope, prepare detailed estimates and organize the evidence supporting your claim. Results depend on the policy, facts and documentation.
Can I start with the documents I already have?
Yes. Start with what you have. We will help identify the next useful records and build from there.
How do we meet?
Start by phone, arrange a Zoom consultation or ask about a property inspection. In-person visits are by appointment.
Questions before your next move?
Can you review a claim if I already received a payment?
Yes. Bring the carrier’s estimate, payment breakdown and any repair proposals. We can compare the documented scope and discuss questions that remain. A review does not guarantee an additional payment.
What should I bring to a free review?
Start with the policy, claim number, carrier letters, photographs and estimates you already have. You do not need a perfect file before contacting us.
What will your team actually do?
We discuss the loss, review the available documents, inspect when appropriate and organize the scope and supporting evidence. If retained, our role and services are described in your agreement.
Can you promise a settlement amount or a completion date?
No. Any outcome depends on the policy, evidence and circumstances. We explain the work and unresolved questions without promising a particular amount or timeline.
How do I learn about your fee?
Ask for the proposed fee and services in writing before signing. Your review is free, and the team can explain the agreement applicable to your property and claim.
Can we start by phone or Zoom?
Yes. Call (239) 444-8101 or request a review. Tell us where the property is located so we can confirm service availability and whether an inspection is appropriate.
YOUR NEXT MOVE CAN BE SIMPLEYou’ve dealt with the damage.
You’ve dealt with the damage.
Let’s deal with the claim.
Start with a free conversation. Leave with a clearer next step.
Free inspection and consultation · Your choiceLOCAL PROPERTY. MULTISTATE EXPERIENCE.
Find help in your state.
Select a highlighted state to explore claim services, license information and local service areas.
Published license state · Select to explore
Based on our published individual license directory. Current license status, firm authorization and availability are confirmed before accepting representation. Expanding into more states.
Map boundaries: PublicaMundi geographic data.