We coordinate unit access, vendor schedules, and portfolio-wide scoping; we standardize estimates and ensure association governing docs and policy endorsements are correctly applied to common vs. unit-owner property.

Yes. If the payment is low, we can pursue supplements with a complete, evidence-backed scope.

No—thorough documentation typically speeds up fair resolution by reducing back-and-forth and re-inspections.

Yes. We quantify period of restoration, lost profits/rents, extra expense, and saved expense to support payment.

We are non-litigious claim professionals. When necessary, we partner with counsel, but most of our claims resolve without litigation or appraisal.

We work with homeowners, multifamily and apartment owners/operators, condominium and townhome associations, commercial building owners, religious organizations, nonprofits, and property management companies. Whether you manage a single asset or a large portfolio, we tailor our approach to your property type, use, and operational priorities.

We specialize in property damage insurance claims from:

• Fire & Smoke – Structural damage, soot and odor contamination, HVAC cleaning, content restoration/replacement

• Hail & Wind – Roof systems (shingle, tile, metal, flat membranes), siding, windows, water intrusion

• Hurricane & Tornado – Wide-area devastation, code compliance, emergency stabilization, large-loss coordination

• Water Damage – Burst pipes, appliance failures, flood (where covered), sewer backups

• Business Interruption/Loss of Rents – Quantifying lost income, extra expense, period of restoration

• Vandalism/Theft – Security breach damage, inventory loss, specialty equipment replacement

Typical issues include:

• Underpayment due to missed line items or low pricing

• Partial Denials where only some damages are acknowledged

• Scope Disputes over what should be replaced vs. repaired

• Code Upgrade Exclusions when building codes require more expensive repairs

• Matching Issues for siding, shingles, or finishes

• Business Interruption Valuation errors in lost income calculations

• Unreasonable Delays in claim adjustment and payment

An independent study by Florida’s Office of Program Policy Analysis and Government Accountability (OPPAGA) found that, on average, policyholders who hire a public adjuster receive significantly higher settlements than those who handle claims on their own. The study underscores what we see every day—when a knowledgeable advocate builds and negotiates your claim, insurers are more likely to pay the full value owed under the policy.

The earlier, the better. We can help preserve evidence, meet deadlines, and avoid costly mistakes from the very start. Even if your claim is already in progress—or if it’s been denied or underpaid—we can step in to re-scope and push for the correct settlement.

For claims over $250,000 in damages (after deductible), we work on a contingency basis—no recovery, no fee. For smaller claims under $250,000, we offer our ClaimNavigator guided support service for a flat $250 fee.

By law, insurers must treat represented policyholders fairly and in good faith, giving equal consideration to evidence that supports coverage. In reality, a well-documented claim from a public adjuster is harder to deny or undervalue without justification.

Yes. We streamline communication, standardize documentation, and coordinate vendors for multiple sites, ensuring consistent results across your portfolio.