FL DFS Licensed Firm #G114979  ·  Representing Policyholders Statewide  ·  (352) 782-2617
Care Claims - Florida Licensed Public Adjuster
FL DFS LICENSED FIRM #G114979

Our Claims Expertise

Florida property damage takes many forms. From hurricane-force winds tearing through rooflines to hidden water intrusion rotting structures from the inside, we specialize in every claim type carriers try to deny, delay, or underpay.

What We Handle

Every Type of Property Damage

As your licensed public adjuster, we represent you in all communications with your insurance company. Every claim type. Every carrier.

Roof & Storm Damage

Wind, hail, and hurricane damage claims with thorough documentation and aggressive carrier negotiation per your policy and Florida law. We photograph every missing shingle, every compromised flashing, every point of water entry.

Learn more about hurricane claims →

Water Intrusion & Mold

Pipe bursts, roof leaks, flooding, and resulting mold growth. We document timelines and causation to prove coverage when carriers cite maintenance or gradual damage exclusions.

Learn more about water damage claims →

Fire & Smoke Damage

Structural fire, smoke damage, and contents claims. Itemized documentation, coordinated inspections, and full claim preparation for your carrier. We account for smoke penetration, heat damage, and contents loss.

Learn more about fire damage claims →

Flood Damage

Federal flood insurance and private flood policy claims. We navigate NFIP complexities and document flood-specific damage to maximize your recovery under both federal and private programs.

Commercial & Industrial

Multi-unit, retail, warehouse, and industrial claims. Business interruption, equipment damage, inventory loss, and tenant displacement handled with tactical precision and commercial-grade documentation.

See our commercial case study →

Denied & Underpaid Claims

Claim denied or lowballed? We re-document the damage, build an evidence-based appeal, and reopen the negotiation. Denials are common — and frequently overturned with proper representation.

Learn more about denied claim appeals →
Water damage from plumbing failure requiring insurance claim documentation
Water & Mold Claims

Water Intrusion & Mold Claims

Roof leaks, plumbing failures, and storm-related water damage often lead to mold growth and structural deterioration. Carriers routinely deny or underpay these claims, citing maintenance or gradual damage exclusions.

We document timelines, causation, and immediate vs. secondary damage to prove coverage. Our adjusters understand the science behind moisture migration and mold proliferation, building cases that carriers cannot dismiss.

  • Causation timeline documentation to defeat exclusions
  • Hidden moisture detection behind walls and under flooring
  • Mold remediation scope and secondary damage claims
  • Plumbing failure and pipe burst documentation
Tracked through ClaimPilot — Every water intrusion and mold claim is documented and tracked in real-time through our proprietary platform.
Technology Advantage

Every Claim Tracked Through ClaimPilot

Our proprietary claims platform gives you real-time visibility into documentation, negotiation milestones, and settlement progress.

Operation ClaimPilot — Care Claims' proprietary claims management platform with real-time tracking, document management, and carrier communication tools

Ready to Fight for Your Claim?

Free Inspection • No Upfront Costs • FL DFS Licensed #G114979