If you have a policy, a claim almost always beats a grant
Government home-repair grants are real, but they are capped, income- and age-restricted, chronically underfunded, and people wait years for money that may never arrive. If you are a homeowner with storm, water, roof, fire, or other sudden damage, there is usually a faster and far larger source of repair money sitting in something you already pay for every month: your homeowners insurance policy.
Most homeowners never learn how much that policy actually owes them. The damage you can see is rarely the full loss, and the amount an insurer offers on its own is often a fraction of what the coverage provides. That gap — between what you were paid and what your policy owes — is the money most people quietly leave on the table. It is also exactly what a public adjuster recovers.
Who we help — and who we do not
We are licensed public adjusters. We represent policyholders: homeowners who have an active insurance policy and property damage. We fight the insurance company for the full payout that policy owes, and we work on contingency — no recovery, no fee.
We are not a grant program, a government agency, or a source of funds for homeowners without insurance. If you have no policy and are looking only for a grant or loan, the programs run by HUD, USDA Rural Development, and your county housing authority are where to start — we are not able to help with grant-only requests.
But if you do have a policy and you have had damage — even damage you were already paid something for, even a claim you have not filed yet — you may be owed far more than you realize. Most homeowners never find out until the window to do anything about it has closed. One conversation tells you exactly where you stand, and it costs you nothing.
The process is simple: after you contact Public Loss Adjusters, we inspect your home at no cost, review your policy for coverage, and if we believe the loss is covered we handle the claim from beginning to end. We only get paid if we get you money. Fill out the form or call us at 352.353.4556.
Storm or Water Damage? Your Policy May Owe You More Than Any Grant
In the insurance industry since 1991 · Licensed Public Adjuster (Lic. #A161638) · Senior Professional Public Adjuster (SPPA), Associate in Claims (AIC, AIC-M)
Call for a free policy review — 352.353.4556⏰ Already paid too little on a past claim? Florida law may still give you a window.
If a Florida insurer closed or underpaid a claim on your home, Fla. Stat. 627.70132 generally gives you a running window to act — but the clock starts on your date of loss, not the day you discover the shortfall. In most cases that means less time than you would think.
Your policy’s own notice terms can be shorter, and every claim is different. The fastest way to find out whether your window is still open is to ask.
☎ Call 352.353.4556 — free, no obligationGeneral information about Florida claim deadlines under Fla. Stat. 627.70132, not legal advice. Deadlines run from the date of loss and your policy terms may be shorter; confirm your specific dates with us or an attorney.
Get a Free Claim Review
Tell us what happened and a licensed public adjuster will review your claim — no cost, no obligation. We only get paid when you do.