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Property damage claims

Help with your
hurricane & wind claim.

From roof damage to wind-driven rain, connect the damage to the event. 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 is going on with your property?

A stucco home with closed shutters and a fallen palm frond on the path.

What happens after you reach out

  1. 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.

  2. Inspection and documentation

    If you decide to hire us

    We inspect the damage, review the policy and prepare the evidence your insurer needs.

  3. We present and negotiate

    You see every offer

    We handle the insurance conversations. You decide whether to accept an offer.

What it costs

$0

Initial review. No obligation to hire us.

10%

Florida’s maximum fee on claim payments made during the first year after a Governor-declared state of emergency, for claims from that emergency.

20%

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.

What we can review

Wind, rain entry, and flooding can affect the same property and raise different coverage questions. We review the reported damage, the available policy documents, and the insurer’s response. Uncertain causes stay identified as questions for investigation.

  • Roof and exterior damage
  • Interior water damage and affected belongings
  • Wind and flood policy questions
  • Repair estimates, deductibles, and payment explanations

For your first conversation

  • Note when you first saw roof damage, rain entry, or water rising around the property; keep those observations separate.
  • Keep before-and-after photographs, temporary repair receipts, and messages from the insurer together.
  • If you have more than one policy, list the insurers so the review can begin with the right documents.

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.

Read the practical guide / Request a damage assessment

A torn screen panel beside a stucco wall and concrete patio.

Hurricane season: find the guidance you need

  1. Before a storm

    Organize your policy and a safe record of your property before damage occurs.

  2. After the storm

    Prioritize safety, record visible damage and keep receipts for temporary protective work.

  3. Build the damage record

    Keep dated photographs, inspection findings and repair estimates together.

  4. Check the notice requirements

    Read the applicable notice rules and your policy; do not wait for a consultation to meet a deadline.

  5. Review the insurer’s decision

    If the claim is denied or the estimate seems incomplete, gather the written decision and policy for a review.

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.