Property damage claims we handle, statewide.
By peril
Hurricane Damage
Wind, water, and surge damage from named storms. Hurricane deductibles, scope disputes, and supplemental claims under Florida's hurricane-specific rules.
Learn more →Tropical Storm & Tornado
Damage from tropical storms or isolated tornadoes outside the named-hurricane window. Coverage often turns on precise event documentation.
Learn more →Wind Damage
Wind damage to roofs, siding, fences, and openings. Covered when wind is documented as the proximate cause of loss.
Learn more →Storm Damage
General storm losses including wind-driven rain, downed trees, and the wind-versus-flood causation disputes carriers use to deny coverage.
Learn more →Water Damage
Burst pipes, slab leaks, supply-line failures, and roof intrusion. The most commonly underpaid claim type in Florida.
Learn more →Roof Damage
Storm, hail, age-related, and granular-loss roof claims. Repair-versus-replace, matching, and law-and-ordinance code-upgrade arguments.
Learn more →Fire & Smoke Damage
Total losses, partial losses, and smoke remediation. Contents inventories, additional living expense, and full rebuild estimates.
Learn more →Mold Damage
Sublimited and excluded scenarios. Proving the underlying covered cause and capturing the full remediation scope.
Learn more →Hail Damage
Roof and exterior hail damage frequently misdiagnosed as wear-and-tear. Cause-of-loss documentation is what wins these claims.
Learn more →Lightning & Surge
Direct lightning strikes and power-surge damage to electronics, HVAC equipment, and wiring throughout the structure.
Learn more →Sinkhole
Geological investigation, structural damage assessment, and Florida-specific sinkhole coverage and stabilization rules.
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Claim status
Denied or Underpaid
Reversing wrongful denials and capturing the gap between carrier offers and the full value of the loss.
Learn more →Supplemental Claims
Submitting newly discovered damage within Florida's 18-month supplemental window under Fla. Stat. 627.70132.
Learn more →Reopened Claims
Reopening closed claims within the 1-year statutory window when new evidence, hidden damage, or unpaid scope appears.
Learn more →Catastrophic Loss
Total or near-total residential and commercial losses with complex scope, valuation, and statutory-deadline coordination.
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Plumbing & structural
Pipe Burst
Sudden-and-accidental pipe failures across copper, PEX, CPVC, and galvanized systems, including freeze-related ruptures.
Learn more →Slab Leak
Sub-slab plumbing failures requiring leak detection, targeted slab cuts, and matching replacement of flooring.
Learn more →Cast Iron
South Florida cast-iron pipe collapses. Proving the specific sudden event and capturing all secondary water damage.
Learn more →Polybutylene
Polybutylene pipe failures common in homes built in the 1980s and 90s. Coverage is frequently disputed and worth challenging.
Learn more →Plumbing Leak
Leaks from connections, fixtures, and supply lines. Sudden-versus-long-term-seepage classification often decides the outcome.
Learn more →Leak Detection
Tear-out, locate, and repair coverage when the leak source has to be exposed. Often denied without specific documentation.
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Property type & coverage
Commercial BI
Business interruption and extra-expense claims when a covered loss disrupts operations. Period-of-restoration accounting matters.
Learn more →HOA / Condo
Master-policy-versus-HO-6 coverage, association responsibilities, and common-element scope across Chapter 718 condos.
Learn more →Loss of Use (ALE)
Additional living expense reimbursement when your home is uninhabitable. Receipts, daily-rate analysis, and time-limit rules.
Learn more →Personal Property (UPP)
Contents inventories, scheduled property, depreciation, and replacement-cost recovery on unscheduled personal property.
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