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No-cost review • Free on-site inspection in our service areas • Licensed Florida Public Adjusters

Free Insurance Claim Review (No Cost) — Florida Public Adjusters

If your home or business suffered property damage and you’re considering an insurance claim (or you already filed and
don’t trust the scope or numbers), start with a no-cost insurance claim review. This is the fastest
way to identify missing damage, documentation gaps, and coverage issues that can cause underpayment.

Why a Free Claim Review Matters

Insurance claims often get underpaid because the file is built on an incomplete scope. Once the carrier’s estimate
becomes the “baseline,” it can be harder to correct later. A free review helps you:

Confirm the right scope (including hard-to-see or secondary damage).
Understand deadlines and duties under your policy and Florida claim requirements.
Identify what documentation is missing to support the full value of the loss.
Address partial-payment tactics with objective support (photos, measurements, reports, code triggers).

Tap to Call Now: (888) 881-8416

Free On-Site Inspection (Where We Serve)

We offer free on-site inspections in the areas we service. We document damage, compare it against
policy coverages, and identify what needs to be proven for a fair settlement.

Roof Claims in Florida: What Changed (Important)

Many websites still repeat the old idea that “over 25% roof damage automatically requires a full roof replacement.”
Florida’s building-code landscape is more nuanced now.

The Florida Building Code (Existing Building) contains a “25% in 12 months” provision in §706.1.1.
However, Florida law created an exception for many roofs.
Under F.S. 553.844(5) (added by SB 4-D), if the existing roof system/section was built,
repaired, or replaced in compliance with the 2007 Florida Building Code or later, then when 25% or more
is being repaired/replaced, only the repaired portion must be brought up to the current code.
Separate from the 25% question, reroof work can trigger Florida windstorm mitigation requirements and related standards
under F.S. 553.844 (for example, secondary water barrier criteria and roof-to-wall connection standards).

How Full Roof Replacement Can Still Be Justified (Engineering + Documentation)

Even with the SB 4-D exception, insurers may try to pay only for a “patch” or partial area. In real-world claims,
a full replacement may still be appropriate depending on facts that can be proven with documentation, including:

System interdependency: roofing is a system (covering, underlayment, flashing, fasteners, deck conditions). Repairs that can’t be performed to restore the system to a watertight condition may require broader replacement.
Compatibility / availability issues: discontinued materials, brittleness, or inability to integrate new materials without compromising performance.
Code-triggered scope items: when required mitigation or installation standards must be met during permitted work, the scope can expand beyond the initial “damaged squares.” :contentReference[oaicite:8]{index=8}
Engineering findings: objective reports can support why a partial repair won’t restore uniform performance, wind resistance, or watertight integrity.
Line-item scope gaps: carriers frequently omit critical components like flashing, edge details, underlayment transitions, and other required elements needed to complete a proper repair.

What We Review (No Cost)

Policy review: coverage, exclusions, endorsements, deductibles, and deadlines.
Claim status review: what’s been paid, what was denied/limited, and why.
Scope review: photos, measurements, damage mapping, and missing line items.
Documentation plan: what evidence is needed to support additional payment.

Common Claims We Handle

Roof / Wind / Hurricane damage
Water damage claims
Fire and smoke damage
Mold-related damage (when covered and properly documented)
Commercial property claims

If You Hire Us, We Prepare and Submit What’s Needed

Carrier-required documentation and claim support
Photo documentation and damage evidence
Detailed scope development and estimating support
Specialty assessments when needed (engineering, moisture, mold, etc.)
Ongoing claim management and negotiation support

Get a Free Claim Review Now

Call (888) 881-8416 — Free Review, 24/7

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