Already got paid — but it wasn’t enough?
Underpaid / under‑scoped claims & selective partial/wrongful denials statewide Florida.
- Your adjuster missed rooms or items?
- Depreciation not properly accounted for?
- Hidden damage (water, roof) overlooked?
FL Public Adjuster • License A161638 • AIC • ACM • SPPA • Not affiliated with any insurance company
🔍 No‑Cost File Review
Send these 3 items:
- 1) Carrier estimate / payment letter
- 2) Photos (then + now if possible)
- 3) Contractor/mitigation docs (if any)
What you get:
- Straight answer: worth pursuing or not
- What’s missing: scope/pricing/code/depreciation
- Next step: supplement / reopen / appraisal‑ready package
đź“© Email documents now
Is your claim underpaid?
- Under‑scoped rooms (bathrooms, kitchens)
- Missing trades: electrical, plumbing, HVAC
- Code upgrades (permits, 2023 codes)
- Overhead & profit (O&P) omitted
- Depreciation miscalculated or excessive
- Pricing below local rates
- Hidden water / roof intrusion not addressed
Our process
1 Document review + timeline
2 Inspection & documentation (as needed)
3 Detailed scope + estimate
4 Submit supplement & negotiate
5 Appraisal‑ready file if necessary (no lawyer required)
Why carriers underpay
Insurance companies use estimating software and pricing databases that may not reflect local construction costs. They often miss items like permit fees, code upgrades, or overhead and profit. Depreciation is sometimes miscalculated or applied incorrectly. Our job is to identify every item you’re entitled to — no more, no less.
Frequently asked questions
Do I need a lawyer?
Not necessarily. As public adjusters, we work for you—not the insurance company. We handle the claim and can prepare an appraisal‑ready file without an attorney. If litigation becomes necessary, we can coordinate with counsel.
What does it cost?
We work on a contingency fee: we only get paid if you get paid. Fees are a percentage of any additional recovery—there’s no upfront cost.
I already cashed the check—can you still help?
Yes. Cashing a check does not waive your rights to additional payment. We can still review and pursue a supplement if warranted.
What if my claim was denied?
We can review the denial letter and determine if part or all of the claim was wrongfully denied. Many denials can be reopened with proper documentation.
How long does it take?
Every claim is different, but most reviews are completed within 48 hours. The supplement process can take a few weeks to a few months depending on the carrier.
What do you need from me?
Your carrier’s estimate or denial letter, photos of damage (current and pre‑loss if possible), and any contractor or mitigation invoices. We’ll handle the rest.
No‑cost file review
We’ll tell you if it’s worth pursuing—no pressure.