Who we work with
- Plaintiff first-party insurance attorneys: the primary client base
- Structural engineers and forensic engineers: collaborating on scope + cause analysis
- Commercial policyholders represented by counsel
- Association boards with represented HOA / condo claims
What we provide
- Forensic scope documentation: full property inspection with photography, measurements, moisture, thermal, drone, and Matterport capture as appropriate
- Xactimate estimate: line-item scope with Florida-current pricing, matched to the litigation record
- Carrier-estimate rebuttal: side-by-side comparison documenting every scope gap, pricing gap, depreciation issue, and missed coverage
- Policy analysis: coverages, endorsements, exclusions, and sublimits relevant to the disputed loss
- Statute application: how Fla. Stat. 626.9744 (matching), 627.70131 (deadlines), 627.70132 (time limits), 624.155 (bad faith), and 626.9541 (unfair practices) apply to the case facts
- Expert witness testimony: deposition and trial, when required
The advantage: former-carrier perspective
Many of our public adjusters spent years as independent adjusters handling claims for carriers before switching to policyholder representation. That means we know:
- What the carrier's field adjuster was looking for
- Which scope items they typically omit and why
- How their desk supervisors review files
- Which defenses they rely on
- Which pieces of documentation they actually respond to
That insider knowledge translates directly into documentation that anticipates and counters carrier arguments.
Typical engagement pattern
- Initial case review: attorney sends claim file, correspondence, carrier estimate
- On-site inspection: scope documentation visit
- Estimate and rebuttal: Xactimate + side-by-side + narrative
- Deposition prep: as needed
- Trial testimony: when the case doesn't settle
Specialty claim types
- Hurricane and storm claims
- Complex water / plumbing losses
- Fire and smoke with commercial BI
- Roof and matching-statute claims
- HOA / condo / association common-element losses
- Cast iron and legacy-plumbing claims
- Commercial business interruption
Who leads loss consulting
Eli Goins (FL DFS #P159790) leads complex litigation-support matters. Specialty consultants assigned per claim type.
Cost structure
Loss consulting for attorneys is priced per engagement: flat fee, hourly, or combined, depending on scope. Expert-witness work is typically hourly.