Storm Claims
Windstorm Coverage and Insurance Claims in Florida
Learn about storm deductibles and wind damage documentation in Florida with guidance from a public adjuster in Miami.
Read articleResources
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.
Home Insurance
What Not to Say to Your Home Insurance Adjuster
Learn what to avoid saying when the insurance adjuster inspects your home. Contact Ricardo Public Adjusters for a free initial evaluation.
Read article
Insurance Claims
Roof Leaks and Insurance Claims
Learn how roof leaks affect your property and how Ricardo Public Adjusters assists property owners with insurance claims in Miami.
Read article
Public Adjuster
Signs of an Underpaid Insurance Claim
Learn what to do if you feel your insurance company's estimate does not cover all the damage to your home in Miami.
Read article
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.
Read article
Florida claims
The Homeowner Claims Bill of Rights, in plain words
What the Florida Homeowner Claims Bill of Rights says, when your insurer must send it, and how to use its timelines while your claim is open.
Read articleFlorida claims
When the insurance adjuster comes: what to expect at the inspection
What Florida law requires of the insurer’s adjuster, how to prepare your home for the inspection, and what to ask for afterward.
Read articleFlorida claims
Proof of loss and examination under oath: two requests to take seriously
What a sworn proof of loss and an examination under oath are, why insurers ask for them in Florida property claims, and how to prepare for each one.
Read articleFlorida claims
Found more damage? How a supplemental claim works in Florida
What counts as a supplemental property insurance claim in Florida, the 18-month deadline, and how to document additional damage or costs found during repairs.
Read articleFlorida claims
How the appraisal clause works in a Florida property claim
How property insurance appraisal works, what it can and cannot decide, what it costs, and how it compares with DFS mediation in Florida.
Read article
Documentation
After a break-in or vandalism: steps for an insurance claim
What to do after a theft, break-in or vandalism at your Florida home or business, how to document it, and the policy limits that often apply.
Read articleCoverage basics
Sinkhole coverage and catastrophic ground cover collapse in Florida
The difference between sinkhole coverage and catastrophic ground cover collapse in Florida policies, how insurers investigate, and the 2-year notice rule.
Read articleCoverage 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.
Read article
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.
Read articleCoverage 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.
Read article
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.
Read articleFlorida claims
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.
Read article
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.
Read articleDocumentation
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.
Read articleWorking with a public adjuster
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.
Read articleFlorida claims
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.
Read articleFlorida claims
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.
Read articleCoverage basics
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.
Read article
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.
Read articleCoverage basics
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.
Read articleDocumentation
Give your damage photos a clearer story
A simple way to organize the photos you already have before a conversation about your property.
Read articleGetting organized
A simpler folder for your property claim
Bring the available information together so your first conversation can focus on the questions that matter.
Read articleWorking with RicardoPA
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.