Property damage claims
Help with your
fire & smoke claim.
Look beyond the visible fire damage to structure, contents, and living costs. Get a free initial review from Care Claims.
We review and reply within one business day. Do not wait to report damage or meet a policy deadline.
Free claim review
What is going on with your property?
Pick the closest one. Documents can wait.
What happens after you reach out
Free review
We review and reply within one business day
Tell us the property, what happened and your main question. Photos help but can wait.
Inspection and documentation
If you decide to hire us
We inspect the damage, review the policy and prepare the evidence your insurer needs.
We present and negotiate
You see every offer
We handle the insurance conversations. You decide whether to accept an offer.
What it costs
Initial review. No obligation to hire us.
Florida’s maximum fee on claim payments made during the first year after a Governor-declared state of emergency, for claims from that emergency.
Florida’s maximum for other claims, and for emergency claims after that first year. Reopened or supplemental claims: up to 20% of the new payment.
These caps are set by Florida law for residential and condo unit owner policies, and are a percentage of the claim payment. If you choose representation, our fee and how it is calculated are explained in a written agreement before you sign.
Florida Statutes 626.854(11) and (19)How public adjuster fees work
What we can review
A fire loss may involve the building, smoke-affected areas, personal belongings, and water used during firefighting. We help keep these parts of the claim identifiable and review the available documentation with the policy and insurer’s decision.
- Structural and interior damage records
- Smoke assessment and restoration recommendations
- Room-by-room personal property inventories
- Temporary living costs and repair estimates
For your first conversation
- Gather the fire department report if available and any inspection or restoration reports you have received.
- Start a room-by-room list of affected belongings using existing photos, receipts, or purchase records.
- Keep temporary lodging and other related receipts together, with the date and reason for each expense.
A clear next step
Start with the property location, what happened, and your main question. We review what is available and discuss whether a document review, inspection, or specialist input makes sense. If you choose representation, the work and fee terms belong in a written agreement.
What to bring
Bring the policy, claim number if you have one, photographs, insurer letters, estimates, and records of temporary work. You can start a conversation without every document. Tell us what is missing rather than guessing.
Does a review guarantee coverage?
No. Coverage and payment depend on the policy, the facts, and applicable requirements. The initial review is free; representation is a separate decision. Public adjusters do not provide legal advice or emergency response.
Understand your next step
The initial review is free. If you choose representation, we explain the fee and how it is calculated in a written agreement before you sign. Coverage and results depend on the policy and the facts.
Claim help in your area
Based in Riverview, serving Florida property owners. These are service areas, not additional offices.
Your next step
Let’s look at your situation.
Start with what you know. We’ll help you work through the rest.
We review and reply within one business day. Do not wait to report damage or meet a policy deadline.