Public Adjuster
Check your home after the rains in Florida
Learn why it is important to check your home after heavy rains and how we can help you understand your policy and document damage in Florida.
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Resources for a clearer next step
Practical reading for Florida property owners: claim deadlines, deductibles, denied claims, water damage and how a public adjuster works.
Coverage basics
Roof claims in Florida: age, deductibles and the 25 percent rule
What Florida law says about roof age and insurance, how a separate roof deductible works, and when a partial roof repair needs more than the damaged area.
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Florida claims
When repairs don’t match: Florida’s matching rule
What section 626.9744 says about matching repairs in Florida homeowners claims, which factors the insurer may weigh, and how to document a mismatch.
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Coverage basics
Can’t stay at home after a loss? How additional living expenses work
What loss of use or additional living expense coverage pays when a covered loss makes your Florida home unlivable, and which receipts to keep.
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Florida claims
Wind or flood? Two policies after a hurricane
Why hurricane damage can fall under two different policies, how flood claims differ from homeowners claims, and the deadlines that apply to each one.
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After a storm: how to handle contractors and door-to-door offers
Florida rules on contractor solicitation and assignment of benefits, how to verify a license, and the red flags to watch for after a hurricane.
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Coverage basics
Condo damage in Florida: your policy, the association’s and assessments
How a Florida condo owner’s HO-6 policy works with the association’s master policy, what loss assessment coverage is, and the deadlines to keep in mind.
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Documentation
A home inventory you can make in an afternoon
A practical way to record your belongings before a hurricane, fire or theft, so a contents claim is easier to prepare and support.
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What a public adjuster does, and when to call one
How a Florida public adjuster differs from the insurer’s adjusters, what the work includes, how fees are capped by law and the rights you keep when you sign.
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The deadlines that shape a Florida property claim
How long you have to report a property insurance claim in Florida, when supplemental claims are due, and how quickly the insurer must respond and pay.
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Your property claim was denied. What now?
Practical next steps after a property insurance denial in Florida: read the reason, watch the deadlines, and understand re-inspection, appraisal and DFS mediation.
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How the hurricane deductible works in Florida
What a percentage hurricane deductible is, how to calculate yours from the declarations page, and why it applies once per calendar year in Florida.
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Coverage basics
Sudden leak or slow seepage? Why it matters for a water claim
Why insurers look at how long water was leaking, how limits and mitigation affect a Florida water damage claim, and what to document after a leak.
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Replacement cost, actual cash value and the depreciation you may recover
Why the first payment on a Florida property claim can look low, how withheld depreciation works, and what to keep to recover it after repairs.
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Give your damage photos a clearer story
A simple way to organize the photos you already have before a conversation about your property.
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A simpler folder for your property claim
Bring the available information together so your first conversation can focus on the questions that matter.
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Your first conversation with RicardoPA
What to bring up during a free initial evaluation by phone or Zoom, or a home visit by appointment.
Read articleA CLEAR NEXT STEP
Let’s talk about your property.
Phone or Zoom · Home visits by appointment
305-394-8090Initial guidance does not replace an evaluation by a licensed public adjuster.