Looking out for your interests, not the insurance company’s. Nineteen years handling Florida claims for homeowners, condominium and homeowners associations, and businesses. From 1999 to 2007 I handled claims for over 30 different insurance companies. I know what they look for.
I did staff work inside a carrier’s own claims office and handled losses for at least 30 insurance companies — among them Citizens, State Farm, AIG, The Hartford, Chubb and Liberty Mutual. I also ran quality control, reviewing other adjusters’ claims for the companies paying them. I know what a carrier looks for when it intends to pay, and what it looks for when it doesn’t.
I handled claims for the Florida Insurance Guarantee Association (FIGA) from 2006 to 2007, after Poe Financial collapsed — the last work I ever did on the insurance side before going straight into public adjusting. Very few public adjusters in this state have worked an insolvency from the carrier side. If your carrier goes under, your claim doesn’t simply disappear.
Seventeen named hurricanes and tropical storms, and thousands of everyday losses in between — water, fire, theft, and the rest. My mold work started at Tropical Storm Allison in Houston in 2001, adjusting mold losses for insurance companies. I also have experience writing the remediation protocols for remediation contractors as well — the documents that determine what work a property actually needs and that every contractor on the job has to follow. I’m also FLIR certified and a licensed drone pilot.
I have handled hundreds of appraisals for policyholders, as well as handling appraisal work for insurance companies. Citizens Property Insurance has twice named me to serve as umpire, the neutral who settles an appraisal deadlock — while I was working as a public adjuster. The state’s largest property insurer chose a public adjuster to decide the outcome.
I have testified both for insurance companies and for policyholders, and I have testified in court as an expert witness on estimating damages in large loss claims. I have never changed the way I adjust a loss. If insurance companies paid what they owed instead of fighting every step of the way, I’d still be working for them.
Hurricane and tropical storm. Flood. Tornado, hail, lightning and high wind. Water losses. Mold. Fire, smoke and soot. Theft and vandalism … and more.
Multiple types of losses, each with its own arguments and its own traps. Select the link below for additional information on homeowners claims and what to do in the first days.
Condominium associations. Homeowners associations. Commercial property. Multifamily and rental portfolios. Golf courses. Business interruption.
Larger limits, layered exclusions, and provisions that decide the outcome before anyone looks at the damage — coinsurance, ordinance and law, sublimits, and the boundary between the master policy and the unit owner’s. Select the link below for additional information on commercial and association claims and what to do in the first days.
This isn’t everything. Your policy carries conditions and duties that apply after a loss, and they’re yours to meet whether or not they appear here. Read your own policy in full. If something in it doesn’t make sense, call me — it’s a twenty-minute phone call about the loss, whether or not you hire me.
I document the loss to support your claim.
Photographs, measurements, moisture readings and FLIR thermal imaging where it’s warranted, recorded while the evidence still exists. I’m at every inspection myself, alongside the insurance company’s adjusters and consultants.
I prepare the estimate and present your claim as one supported package.
Line by line, priced and documented, with anything I can’t tie to the loss left out of it. One document going to the carrier from your side rather than three that disagree with each other.
I deal with your insurance company, their consultants and the deadlines.
The adjusters, the engineers, the reinspections, the correspondence and the statutory clocks are handled by me. Undisputed amounts get requested as the loss accrues rather than waiting for the end.
You get a straight answer whenever you ask, and every decision stays yours.
Including when the answer is that nothing has moved. I recommend, you decide. Nothing on your claim is agreed to, signed or settled without you saying so first.
If I don’t recover money for you, you owe me nothing. When I do, my fee is a percentage of the recovery, and it’s always within the limits Florida statute sets for public adjusters. §626.854(11)
You’ll see that fee in writing, in your contract, before you sign anything, and Florida gives you a statutory window to cancel afterward. I’ll walk you through both, out loud, before you put a pen to it.
My fee doesn’t come out of your deductible. A public adjuster is paid a percentage of what the insurance company pays, and your deductible isn’t a payment they make.
I also can’t charge you on money the insurance company already paid. Any payment they made, or agreed in writing to make, before my contract is executed is outside my fee entirely. That’s in my contract, and Florida statute requires it — the cap on those amounts is zero percent. I have never charged a fee on money paid before my involvement, and I never will.
If you’ve had a loss, call or email me. Not because you couldn’t handle it yourself, but because the decisions that determine what your claim is worth get made in the first days, and once they’re made they’re hard to undo. It’s a twenty-minute phone call about the loss, and I’ll tell you plainly where you stand.
You stay in control of your claim. That’s the whole point.