Our Process
A clear, five-step path from damage to settlement, with you informed and in control the whole way.
The Five Steps at a Glance
Free Inspection
We inspect your property and review your policy at no cost to find every covered loss.
Document
Drones, thermal imaging, and 3D capture prove the full scope, including hidden damage.
File & Value
We prepare a complete, professional claim with an independent estimate of your loss.
Negotiate
We deal with the carrier for you and fight every lowball, delay, and denial.
Settle
You receive the full, fair settlement you’re owed. Then you rebuild your life.
What Each Step Looks Like
Free inspection & policy review
We inspect your property and review your policy at no cost, identifying every covered loss and coverage you’re entitled to before you commit to anything.
The inspection is the part most owners skip, and it is the part that decides the claim. We walk the property with you, get on the roof, and look at the places damage hides: attic sheathing, wall cavities behind baseboards, the underside of decking, soffit returns, and the interior finishes that read as cosmetic until someone measures the moisture behind them.
The policy review matters just as much and takes longer than people expect. Your declarations page sets your limits, your deductible, and whether your hurricane deductible is a flat amount or a percentage of your dwelling limit. The policy form behind it decides the harder questions: whether you have replacement cost or actual cash value, what your other-structures limit covers, whether screen enclosures and docks are sublimited or excluded, and whether you carry law-and-ordinance coverage for code-required upgrades.
You are under no obligation at the end of this step. If the loss is smaller than your deductible, or the claim is already being handled correctly, we will tell you that and you will owe us nothing.
Full-scope documentation
FAA-licensed drones, thermal cameras, and 3D interior capture record the complete extent of your damage, including the hidden losses a desk adjuster never sees.
Documentation is what converts a disagreement about opinion into a record. FAA-licensed drone flight gives us roof-level imagery of slopes nobody can safely walk. Thermal imaging shows moisture behind finishes that look dry, which is how interior water damage gets scoped before it becomes mold. 3D interior capture produces a walkable record of the property as it stood after the loss, which matters when the carrier inspects months later, after you have had to make repairs to keep living there.
We also inventory contents properly rather than as a lump sum, because a contents claim written as one line is a contents claim that gets paid as one line. Quantity, description, age and replacement cost, with the receipts and records that support the figures.
If you have already made emergency repairs, keep every receipt and every photograph you took first. Protecting the property from further damage is something your policy requires of you, and those costs are typically part of the claim.
Professional claim preparation
We build a detailed, professionally estimated claim: structure, contents, code upgrades, and living expenses or business income where they apply.
The estimate is written line by line in the same estimating platforms the carriers use, priced to your market rather than a statewide average, and built to the scope the repair actually requires. That includes the parts owners routinely leave off: code-required upgrades when the repair triggers them, matching where a repair would otherwise leave a visible patch, and the tear-out and rebuild needed to reach the damage rather than just the damage itself.
Where the policy provides it, we claim additional living expenses for a residence you cannot live in, or business income and extra expense for a commercial property that cannot operate. On rental property, loss of rents is part of the claim and is missed constantly, because the carrier pays for the repair, closes the file, and nobody asks about the months the unit sat empty.
Negotiation with the carrier
We handle the insurance company for you: every inspection, every request, every lowball, delay, and denial. You don’t have to fight it alone.
Once we are engaged, the carrier deals with us. We attend every inspection, respond to every document request, and answer the recorded-statement and proof-of-loss requirements so they are met properly and on time rather than becoming a reason to deny.
When the carrier’s estimate comes back short, the response is a documented rebuttal, not an argument: their line items against ours, their unit costs against local pricing, their causation opinion against the imagery and measurements. Most of the movement in a claim happens here, and it happens because the file is complete enough that there is nothing left to dispute.
If the gap does not close, there are formal paths available depending on the claim and the policy, including your policy’s appraisal clause and, for sinkhole disputes, the separate neutral evaluation process the state administers. We will tell you plainly which of those is worth using and which is not.
Full, fair settlement
You receive the settlement you’re actually owed, so you can repair, rebuild, and move on. We’re only paid a percentage of what we recover for you.
Settlement is not always a single check. On a replacement cost policy the carrier commonly pays actual cash value first and holds back recoverable depreciation until the repair is complete, which means part of what you are owed arrives after the work is done and has to be claimed. We make sure you know what is being held back and what triggers its release, so money you are entitled to does not quietly stay with the carrier.
Our fee is a percentage of what we recover for you. There is nothing to pay upfront, and if we recover nothing, you owe nothing.
What your carrier owes you, and when
Our process runs alongside a set of deadlines Florida law puts on the insurance company. Knowing them changes the conversation, because a delay stops being something you wait out and becomes something you can point at.
- 7 calendar days to acknowledge your communication. After receiving a communication about a claim, the insurer must review and acknowledge receipt within 7 calendar days, unless payment is made in that time or the delay is outside its control.
- 7 days to begin investigating. Within 7 days of receiving proof-of-loss statements, the insurer must begin such investigation as is reasonably necessary, unless factors beyond its control prevent it.
- 30 days to physically inspect. If the investigation involves a physical inspection, the insurer must conduct it within 30 days after receiving the proof-of-loss statements. The adjuster who inspects must give you a document with their name and state adjuster license number.
- 60 days to pay or deny. Within 60 days after receiving notice of an initial, reopened or supplemental property insurance claim, the insurer must pay or deny the claim, or a portion of it. If it pays less than its own detailed estimate of the loss, it must explain the difference to you in writing.
There are deadlines running against you as well, and they are shorter than most owners assume. Notice of an initial or reopened property insurance claim, and notice of a supplemental claim, are both time-barred under Florida law, and for a hurricane the clock runs from the date of landfall rather than the date you noticed the damage. If you are weighing whether a loss is worth reporting, weigh it now rather than later.
What we need from you
Very little, and that is the point. Photographs or video taken before any cleanup, receipts for emergency repairs, your policy or declarations page, and any correspondence you have already had with the carrier. If you do not have all of it, we still want to hear from you: most of what we need, we gather ourselves.
Sources
- Fla. Stat. s. 627.70131, Insurer’s duty to acknowledge communications regarding claims; investigationThe acknowledgement, investigation, inspection and pay-or-deny deadlines set out above.
- Fla. Stat. s. 627.70132, Notice of property insurance claimThe deadlines that run against you: notice of an initial or reopened claim, and of a supplemental claim.
Ready for step one?
Your free inspection is the first move. No cost, no obligation, no recovery no fee.