Our Process

WE HANDLE THE ENTIRE CLAIM PROCESS FOR YOU

As public adjusters, we represent your interests throughout the entire insurance claims process, ensuring that all damages are properly documented and your claim is fully valued according to your policy. Our team brings extensive experience in construction and fire damage, providing expert-level knowledge in damage assessment and restoration standards. We handle everything—from inspections and detailed documentation to direct negotiations with the insurance company—so you avoid the stress, confusion, and back-and-forth often involved in securing a fair settlement on your own.

WE REVIEW YOUR POLICY COVERAGES AND CONDITIONS

We begin every claim with a thorough policy evaluation before inspection, carefully analyzing your insurance policy, coverages, exclusions, limits, and endorsements to uncover all eligible benefits and develop a strategic approach. We can review and represent policyholders with virtually all insurance companies, ensuring your claim is properly prepared, accurately documented, and positioned for the maximum possible settlement.

WE INSPECT THE PROPERTY FOR VISIBLE AND HIDDEN DAMAGE

We offer free, no-obligation property inspections for homeowners, commercial property owners, and associations throughout Clearwater and the surrounding areas, including St. Petersburg, Largo, Palm Harbor, Dunedin, Safety Harbor, Bellaire, Treasure Island and Tarpon Springs. Our experienced team conducts a thorough, professional evaluation to identify both visible and hidden damages, ensuring your property is fully assessed and properly documented to support a strong and accurate insurance claim.

WE BEGIN REPRESENTIATION, NOTIFY THE INSURANCE COMPANY, AND REPORT THE LOSS

Once you decide to move forward and execute our agreement—fully compliant with Florida Department of Financial Services (DFS) regulations—we immediately begin managing your claim with a structured and professional approach. Our team handles claim preparation, documentation, damage assessment, and direct negotiations with your insurance company, ensuring your interests are fully protected throughout the process. We operate on a contingency fee basis, meaning there are no upfront costs or out-of-pocket expenses, we are only compensated when we successfully secure a settlement on your behalf—no recovery, no fee.

WE COORDINATE AND ATTEND INSPECTIONS TO ENSURE EVERYTHING IS PROPERLY REVIEWED AND DOCUMENTED

We coordinate and attend all on-site inspections with the insurance company, ensuring you never face the process alone. Your public adjuster is present at every inspection—whether initial, re-inspections, or evaluations by any experts or engineers sent by the carrier—ensuring all parties are properly notified and that every damage is thoroughly identified, documented, and presented, while we advocate for your interests at every step.

WE PREPARE ESTIMATES, SUBMIT SUPPORTING DOCUMENTATION, AND OPTIMIZE YOUR RECOVERY

During the claim resolution phase, we prepare detailed and accurate estimates, compile and submit all required supporting documentation, and ensure full compliance with your insurance policy terms and conditions. Our estimates are continuously reviewed and can be updated as many times as necessary based on current price lists, scope changes, or newly discovered damages, ensuring nothing is overlooked. Throughout this process, we strategically negotiate with the insurance company to maximize your recovery and secure the highest possible settlement you are entitled to under your policy.

ONCE DONE! YOU CHOOSE YOUR CONTRACTORS TO RESTORE THE PROPERTY

Once your claim is successfully resolved, you can move forward with confidence and select the contractor of your choice to complete your property’s restoration. As public adjusters, we do not perform any repairs or construction work, allowing us to remain fully independent and focus solely on advocating for your best interests. Our role is to ensure your settlement includes the proper scope and funding needed so you can restore your home or business to its pre-loss condition with the professionals you trust.