Residential Insurance Claim Adjuster in Florida

Residential Insurance Public Adjusters in Florida

When your home gets damaged, the real problems often begin after the disaster: endless calls, confusing policy language, and offers from your company insurance that don’t come close to covering the cost to properly repair your residential property.

At PICC FLA, we know the frustration Florida homeowners may feel. As your residential claims public adjuster, we take over the process, discover every detail of your loss, and stand by your side to get you the maximum compensation you’re entitled to under your policy. With no recovery, no fee, free inspections, and fees far lower than attorneys charge, we’re the experts who work in your favor.

Contact us today and let us help you!

Get Your Free Damage Assessment in 24 Hours →

Residential Insurance Claims Experts Serving Homeowners Across Florida

Regardless of the root cause, be it a water age from a Citizens Insurance Claim, fire damage from faulty wiring, or a broken water heater that soaks your walls, we specialize in getting Florida homeowners their full settlement without delays or lowball offers. Unlike office-bound claims handlers, we show up at your property, inspect every room thoroughly, and use advanced tools and equipment to detect hidden issues your insurer’s adjuster might miss.

If you have Citizens Insurance Claims Florida, you already know very well that the process can be restrictive and overwhelming. However, we know exactly how Citizens insurance works in Florida, including timelines, managed repair programs, and strict policy conditions. That inside knowledge means that we can prepare your claim in a way that meets their requirements but still puts you—the policyholder—in control.

With our on-site inspections, complete policy reviews, and effective negotiation approach, you can feel safe knowing that we achieve the maximum amount possible. And with our fee capped at 10–20%—compared to the 40% many attorneys take—you keep more of what’s rightfully yours.

In case you need more information on how our services can help you, don’t hesitate. Call us today!

Why PICC FLA Stands Out as a Leading Residential Insurance Claim Public Adjuster in Florida

Residential property damage cases are often more complex than they appear. A simple AC leak can conceal hidden mold behind walls, a plumbing failure can weaken your foundation, and hurricane winds can lift roofing layers, creating slow-developing leaks. And when insurers apply policy loopholes, restrictive definitions, and lowball estimates, your payout can fall thousands short of what’s necessary to restore your home.

Under Florida Statute 627.70132, you have a limited time to file or supplement a claim, and missing these deadlines can permanently reduce your compensation. Our residential claims public adjuster team works tirelessly so your claim is filed correctly, fully documented, and aggressively negotiated from the very first day.

We use moisture mapping, infrared thermal imaging, and aerial drone inspections to uncover hidden water intrusion, structural compromise, and other property damage that standard adjusters often overlook.

Every claim we prepare is legally sound, meets all statutory requirements, and forces insurers to pay the full cost of restoration.

With over 30 years of hands-on experience in the industry, more than 100,000 insurance claims resolved, and credentials including BBB A+ accreditation, NAPIA and FAPIA memberships, and the Top Home Certified award, we have earned the trust of property owners across the state of Florida. Our reputation is reinforced by 5-star reviews, proving our consistent ability to deliver maximum settlements.

Call Us Today For A FREE Claim Analysis

How does Citizens Insurance work in Florida

If you’re one of the many Floridians insured through Citizens Property Insurance, you’ve probably heard that their claims process is “fast” and “hassle-free.” But here’s what that really means in practice:

In a shift under Senate Bill 2A (signed December 16, 2022), Citizens now has the legal upper hand when handling residential insurance claims. The moment you report a loss, expect a call from their “quick response” team within one hour and a visit from their contractors within four hours. While these services are marketed as free and cost-free to your deductible, many policyholders have found that such speed often leads to premature inspections, narrow assessments, and quick claim denials.

Citizens also runs a Managed Repair Program and Emergency Water Removal Service with a five-year guarantee. On paper, these are optional. In reality, declining them can trigger strict policy limitations, particularly for non-weather water losses, which are now capped at $10,000 unless you use one of their approved contractors.

Then there’s the Assignment of Benefits (AOB) issue. This is when a contractor persuades you to sign over your insurance benefits in exchange for “guaranteed payment” and “no out-of-pocket costs.” Unfortunately, some contractors abuse this power, making repairs without insurer approval, inflating costs, and filing lawsuits, leaving you caught in the middle.

And while public adjusters are your safeguard against low settlements, until recently, Citizens policyholders faced legal restrictions on when and how an adjuster could help. Now, under SB1770, we can represent you from the earliest stage of your claim, charging up to 10% for claims in the first year and 20% for reopened, supplemental, or later-year claims. That means you no longer have to face the Citizens’ claims process alone until they’ve already made you an offer.

We know Citizens’ policies inside out, including their 72-hour repair approval rule, mitigation cost caps, and aggressive claim investigations. We’ve seen how their preferred contractor network can limit your repair options and how their dispute resolution rules can disadvantage unrepresented homeowners.

Our role is to level the playing field. We review every clause, document every detail, and challenge every undervalued estimate. We ensure you meet every filing deadline under Florida Statute 627.70132, and we work hard to keep your settlement from being eroded by technicalities and fine print.

Our Residential Claim Process — Built to Maximize Your Settlement

1. Free statutory & policy interpretation
2. Full on-site inspection.
3. Claim preparation
4. Direct negotiation
5. Settlement & support

Residential Insurance Claims DO’s and DON’Ts in Florida

DO’s:

• Document everything immediately.
• Report the claim promptly.
• Get a free policy review from us before signing anything.
• Preserve evidence.
• Keep receipts and records.

DON’Ts:

• Rely exclusively on the insurance company’s adjuster.
• Start permanent repairs without approval.
• Sign any documents without reading.
• Delay getting help.

Local Expertise in Florida Citizens Insurance Claims, Backed by Certifications and Awards

Florida legislation limits how long you have to file or supplement a property damage claim. Every day that passes makes it harder to recover the full amount you deserve. Whether you’re filing a new claim, reopening a denied one, or need help with Citizens Insurance Claims Florida, PICC FLA is the solution you need.

Call us now for your free claim review and on-site inspection. Let us turn your damage into a fair settlement and get your home back to normal faster and easier.

Call Us Today For A FREE Claim Analysis