Orlando water + mold: $8k offer to $45k with remediation.
Water leak with mold development. Carrier offered water damage only; mold remediation tripled recovery.
Water leak with mold development. Carrier offered water damage only; mold remediation tripled recovery.
Initial claim
What went wrong
Mold sublimit not initially claimed; industrial hygienist not engaged.
The intervention
What we did
Industrial hygienist documented mold extent; mold sublimit maximized ($10k); water scope properly calculated.
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Mold sublimit is a floor not ceiling on water damage claims.
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More examples
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DeLand Hurricane Ian: $12k to $68k contents recovery.
Hurricane Ian flooding contents loss. Carrier offered flat settlement. Itemized inventory tripled recovery.
Clearwater kitchen fire: $35k offer to $142k total recovery.
Kitchen fire with extensive smoke damage. Carrier limited scope to fire room; smoke scope expanded claim materially.
Fort Myers Hurricane Milton: full roof replacement via matching.
Hurricane Milton roof damage. Carrier authorized partial repair. FS 626.9744 matching drove full replacement.
Tampa sinkhole: $40k grouting to $220k underpinning.
Sinkhole activity; carrier authorized inadequate grouting. Structural engineer showed underpinning required.
Sarasota lightning: $6k to $45k home systems recovery.
Lightning strike damaged multiple home systems. Itemized replacement tripled offer.
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- ✓We work for policyholders, not insurance companies
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Know the law
Relevant statutes
FS 626.854
Public adjuster representation.
FS 627.70131
Carrier duties.
FS 627.70132
Notice deadlines.
FS 627.7142
Homeowner Bill of Rights.
FS 626.9744
Matching statute.
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Key West Hurricane Irma: contents total loss plus structure.
Another documented Florida claim outcome.
Miami Beach coastal home: wind-only recovery when flood paid NFIP.
Another documented Florida claim outcome.
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