Experienced Public Adjusters • Florida property claims
Luxury Kitchen Insurance Claim Help in Florida
A custom kitchen brings several materials and trades together. After water, fire or other damage, the claim should explain the affected components and the supported sequence of repairs.
Reviewed November 3, 2026. General claim information. The policy, loss facts and applicable law control.
Record the kitchen as it was built
Gather cabinet shop drawings, designer specifications, invoices and available photographs from before the loss. Record model and serial information for affected appliances and identify stone, fixtures, finishes and built-in panels. These details help compare the actual installation with the insurer’s estimate.
Separate the components of the repair
- Cabinetry: construction, dimensions, door style, finish, hardware, panels and trim.
- Stone and backsplash: material, dimensions, edges, seams and the proposed work.
- Appliances: product identification, damage findings, repairability and installation requirements.
- Connected trades: plumbing, electrical, lighting, flooring and other work needed to complete supported repairs.
- Access and protection: what must be moved or removed and how unaffected materials will be protected.
Explain the repair sequence
If one component must be removed to reach another, have the responsible contractor describe why, the proposed method and any relevant limitations. Do not assume a countertop can always be removed and reset—or that removal always requires its replacement. The actual installation and qualified findings matter.
Matching questions need evidence
Preserve supplier findings, samples and photographs of adjoining cabinets, flooring and finishes. Our matching guide explains the policy and Florida-law considerations. The presence of an open floor plan does not automatically establish entitlement to replace every connected surface.
Damage, maintenance and coverage
Review the event and professional findings alongside the policy. An appliance malfunction, an appearance change or an older condition does not by itself establish a covered loss. After a water event, retain plumber and mitigation records; after a fire, preserve appropriate restoration and contents documentation.
See water damage, fire and smoke, stone claims and custom materials. We also provide carrier resources for owners with private-client policies.
Start with the records you have
Bring the insurer’s estimate, any written decision and available contractor proposals. You do not need every invoice before an initial conversation. Continue required reporting and reasonable emergency protection while arranging the review.
Florida claim help, close to your property
We serve Naples, Tampa, Orlando and Daytona Beach, including surrounding communities within approximately two hours of our locations. Call to discuss your property or find our five Florida offices.
One call can clarify your next step.
Tell us about the property, the damage and the claim’s current status. You do not need to know the final repair cost to call. All property owners are welcome to ask whether we can help.
Call (888) 881-8416 Request a free claim review
David Dwyer, designated primary adjuster: Florida license W391016. Experienced Public Adjusters: firm license W807213. Representation and fees require a written agreement. No settlement outcome is guaranteed.