RCV vs. ACV
Your policy may cover replacement cost (RCV), but the first check is usually the depreciated value (ACV). That gap isn't a discount: it's money you're owed, and it has to be claimed separately.
Licensed in Florida & Texas
Your claim, filed right from day one
We work for you, not for the insurance company. We review your policy, document every bit of damage and negotiate the payment you are actually owed.
- Free evaluation
- $0 upfront
- No recovery, no fee
Serving all of Florida and Texas, in English and Spanish
Insurance company
Claim determination
PARTIAL PAY
Replacement cost (RCV)$∗∗,∗∗∗
Depreciation applied−$∗∗,∗∗∗
First payment (ACV)$∗∗,∗∗∗
Potentially recoverable$∗∗,∗∗∗
Illustrative example
Licensed adjustersAuthorized in Florida and Texas
Florida & TexasBoth states covered
Contingency feeWe only get paid if you recover
Your policy, explained
What the insurance company doesn't explain
Most claims aren't denied outright: they're underpaid. And almost always because of the same four technical details.
Withheld depreciation
That's the name for the portion the carrier holds back until you prove the repair was completed. If nobody claims it, it stays with them. They won't remind you it exists.
Proof of loss
A formal document with strict deadlines and figures that are hard to change later. Filing it wrong, incomplete or late can close your claim for good.
The "wear and tear" exclusion
It's the most common reason roof damage gets denied. With an inspection, date-stamped photos and a technical report, it can often be challenged.
What we claim
Damage we handle
Residential and commercial property insurance claims across Florida and Texas.
Roof
Hail, wind, lifted or missing shingles and the leaks that follow.
Hurricane & storm
Structural damage, windows, fences and loss of use of the property.
Water
Pipe breaks, leaks, moisture and the mold that develops from it.
Fire & smoke
Fire damage, soot, lingering odor and the contents of the home.
How we work
Your case, step by step
You don't need to understand policy language or argue with anyone. That's our job.
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1
Free evaluation
We review your policy and the details of the damage. Within minutes we know whether the case qualifies.
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2
Inspection & documentation
We inspect the property and document every bit of damage with photos, measurements and a technical report.
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3
Estimate & filing
We prepare the detailed estimate and file the claim with all the support your policy requires.
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4
Negotiation
We negotiate with the carrier's adjuster and keep you informed through to the final payment.
$0
upfront
No retainers, no filing fees, no fine print.- The initial evaluation and the inspection are free.
- Our fee is a percentage of what is recovered, set in writing before we start.
- That percentage stays within the limits set by Florida and Texas law.
- If we don't recover anything, you owe us nothing.
The exact percentage is spelled out in the representation agreement, which you review and sign before we take any action on your behalf.
Frequently asked
Common questions
Do you take claims that were already filed?
No. We only handle claims that are filed through us, from the start. It is the only way to control the documentation, the valuation and the deadlines from day one — and that is exactly what changes the outcome.
If you haven't filed anything yet, call us before you do.
What documents do I need to start?
Very little: your name, a phone number where we can reach you, and your policy. That's enough for the first review.
If any document is needed later on, we'll ask for it and show you how to get it.
How long does the process take?
Between 1 and 3 months, depending on the case and the carrier. After the first review we give you a realistic timeline for your specific case, not a promise.
Are you attorneys?
No. We are licensed public adjusters. We represent the policyholder before the insurance company in preparing and negotiating the claim. We are not an insurance company or a law firm, and we do not provide legal advice.
Do you work in Spanish?
Yes. The entire process, including documents and communication with the carrier, can be handled in Spanish or English, whichever you prefer.
Evaluate your claim in 2 minutes
A few short questions about your property and your policy to see whether the case qualifies. No obligation, no cost.
In the meantime, call us⚙️ Reserved space for the form — pending connection
Contact
Rather talk to a person?
Call, message us on WhatsApp or send an email. We'll help you in English or Spanish.