Revive Dead Roofing Jobs
Financing failed? Price too high? Homeowner went cold? Send it our way. We file the insurance claim, handle every carrier interaction, and give the homeowner a real path forward — clean, documented, compliant.
You stay the roofer of record. We handle the claims process. The homeowner always chooses their contractor.
You Stay the Roofer
Homeowner always chooses contractor. We don't poach jobs.
We Handle Claims
Inspections, documentation, carrier negotiations — all managed.
No Upfront Cost
Contingency-only. Homeowner pays nothing unless we recover.
Tampa Bay Area
Bradenton → Clearwater + Tampa / Brandon / Riverview
Two ways to start. Pick the one that fits.
Send Dead Leads Book Partner Sit-DownLicensed PA firm • FL DFS #G114979 • Full compliance
Why Property Owners Choose Care Claims
More money. Less chaos. A team that knows Florida carriers inside out.
More Money Recovered
Carrier adjusters work for the insurance company. We work for you. Our adjusters document damage the carrier's team missed, build estimate packages based on actual repair costs, and negotiate until the settlement reflects what your policy truly owes.
Zero Chaos
From the first inspection to the final settlement check, we manage every moving part: inspections, paperwork, carrier communications, and deadlines. Track it all through Eden — our real-time claims command center.
Battle-Tested in Florida
Hurricane season isn't a theory for us — it's an annual proving ground. We know which carriers stall, which deny based on pre-existing conditions, and exactly how to build evidence packages that shut down every excuse.
How Care Claims Works
A clear, tactical sequence — from first call to final settlement. Every step designed to maximize your recovery.
Free Damage Assessment
We inspect your property, photograph every detail, and assess claim viability within 48 hours. No cost, no obligation.
Full Documentation Build
Our team compiles evidence, estimates, and supporting materials. Everything uploads to Eden, your secure claims portal with real-time tracking.
Carrier Negotiation
We handle all carrier interactions — meetings, appeals, demand letters. You review offers through Eden while we push for maximum settlement.
Settlement & Recovery
Funds flow to you. We take our fee only from the settlement, and you get a full report documenting the entire process.
Your Claims Strategist, Not a Call Center
Insurance carriers staff call centers with adjusters who've never walked your roof. We assign you a dedicated public adjuster — a Florida-licensed professional who inspects your property in person, builds your evidence package, and negotiates face-to-face with carrier reps.
This isn't a 1-800 number. This is a strategist who knows Florida building codes, understands every carrier denial playbook, and won't stop until your policy pays what it owes.
Behind your adjuster, the Eden platform tracks every photo, estimate, and deadline. You see the same operational view we do: damage inventory, document status, negotiation timeline, and next actions. No surprises. No black box. Just transparent progress from inspection to settlement.
Talk to a StrategistEden: Your Claims Command Center
Most public adjusting firms run on spreadsheets and voicemail. Eden is our proprietary claims management platform — purpose-built to give you the same real-time operational view your adjuster uses.
Every inspection photo, estimate line item, carrier email, and status change lives in one secure portal. You see exactly what we see. No black box. No wondering what's happening with your claim.
Real-Time Claim Dashboard
Live status on every milestone, inspection, and carrier response — accessible 24/7 from any device.
Photo-First Documentation
Timestamped, geotagged damage inventory organized by area and severity. Evidence carriers can't dispute.
Direct Adjuster Channel
Message your dedicated adjuster directly. No phone tag, no call centers, no waiting for callbacks.
Settlement Intelligence
Track every offer, counter, and approval. Full negotiation timeline with plain-English explanations.
Smart Follow-Up: You're Never in the Dark
Most firms go silent after the handshake. We built an automated follow-up engine into our workflow so you hear from us at every critical milestone — not just when we need a signature.
-
01
Inspection Scheduled
Confirmation with time, date, and what to prepare. -
02
Claim Filed
Your claim number, carrier contact, and documentation status. -
03
Negotiation Updates
Every offer, counter, and carrier response — explained in plain English. -
04
Settlement & Close
Final settlement breakdown, payment timeline, and full documentation package.
No Ghosting. No Guessing.
Our clients report hearing from us 3–5x more frequently than any previous adjuster or carrier representative they've worked with.
We Know Florida's Toughest Claims
Hurricane & Storm Damage
Roof blow-off, shingle damage, fascia destruction, window breaches, and interior water intrusion from wind-driven rain. We know how carriers try to separate wind from water to limit your payout — and we build evidence packages that tie every element to covered perils.
Commercial Property Claims
Business owners face unique pressure: revenue loss, tenant obligations, code compliance, and accelerated repair timelines. We handle business interruption, loss of rents, multi-unit properties, and commercial policy complexities with tactical precision.
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.
Water Intrusion & Mold
Pipe bursts, roof leaks, flooding, and resulting mold growth. We document timelines and causation to prove coverage when carriers cite exclusions.
Fire & Smoke Damage
Structural fire, smoke damage, and contents claims. Itemized documentation, coordinated inspections, and full claim preparation for your carrier.
Flood Damage
Federal flood insurance and private flood policy claims. We navigate NFIP complexities and document flood-specific damage to maximize your recovery.
Commercial & Industrial
Multi-unit, retail, warehouse, and industrial claims. Business interruption, equipment damage, inventory loss, and tenant displacement handled tactically.
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.
What Florida Property Owners Actually Say
Live reviews pulled directly from our Google Business Profile.
Built for Florida Property Owners
Homeowners, commercial property owners, and the professionals who refer them — all facing the same carrier tactics: delay, deny, underpay.
Homeowners
Coastal and inland Florida residents with hurricane, roof, wind, and water damage. We know the risks specific to your region and your carrier.
Commercial Owners
Multi-unit landlords, retail centers, office buildings, and industrial facilities. Complex policies demand experienced representation.
Referral Partners
Contractors, restoration specialists, real estate professionals, and attorneys. Our compliant partnership program strengthens outcomes for shared clients.
Clearwater to Sarasota — And All of Florida
Our home base runs from Clearwater south through Tampa Bay to Sarasota. Licensed statewide across all 67 Florida counties.
Clearwater
Pinellas County
St. Petersburg
Pinellas County
Largo
Pinellas County
Tampa
Hillsborough County
Brandon
Hillsborough County
Riverview
Hillsborough County
Apollo Beach
Hillsborough County
Ruskin
Hillsborough County
Temple Terrace
Hillsborough County
Plant City
Hillsborough County
Valrico
Hillsborough County
Seffner
Hillsborough County
Sarasota
Sarasota County
Bradenton
Manatee County
Palmetto
Manatee County
Lakeland
Polk County
Sun City Center
Hillsborough County
Statewide
All 67 FL Counties
Frequently Asked Questions
A public adjuster is a licensed professional who represents you — the policyholder — not the insurance company. We inspect your damage, document every loss, prepare detailed estimates, and negotiate directly with your carrier to secure the maximum settlement your policy allows. Think of us as your claims advocate with the expertise to go toe-to-toe with the carrier's team.
We work on contingency — 10-20% of your settlement depending on claim complexity. Zero upfront cost. We only get paid when you get paid, which means our interests are completely aligned with yours. Per Florida Statute 626.854, all fee terms are disclosed in writing before we begin.
As soon as possible after damage occurs. Early engagement ensures proper documentation from day one, which prevents costly mistakes and gives us the strongest negotiating position with your carrier. Whether your claim is new, underpaid, or denied — it's never too late to bring in professional representation.
No. Once you sign a Letter of Representation, all carrier communications flow through Care Claims. We handle every call, email, meeting, and inspection on your behalf. You stay informed through Eden without the stress of direct carrier interaction.
Straightforward claims typically resolve in 30-60 days. Complex or large-loss claims may take 90-180 days. We push for speed without compromising your settlement quality, and you can track every milestone in real time through Eden.
Denials are common — and frequently overturned. Carriers deny claims hoping policyholders will accept it and walk away. We re-document the damage, build an evidence-based appeal, and reopen the negotiation. A denial is often just the beginning, not the end.
Licensed, Bonded & Florida Compliant
We operate in full compliance with all applicable Florida insurance statutes and regulations.
Florida DFS License
Firm #G114979
Individual License #W786531
All adjusters maintain active FL DFS licenses, E&O insurance, and surety bonds.
Statutory Compliance
FL Statute 626.854 — Public Adjuster Requirements
FL Statute 626.8795 — Contractor Coordination
FL Statute 627.70131 — Claims Handling Timeframes
Full disclosure in all written agreements
Professional Standards
Surety bond as required by FL DFS
Errors & Omissions insurance coverage
Continuing education requirements met annually
Written contracts with cancellation rights disclosed
Florida Policyholder Disclosure
Care Claims Adjusting is a Florida Department of Financial Services licensed public adjusting firm (Firm License #G114979). Public adjusters represent policyholders exclusively — never insurance carriers. Per FL Statute 626.854, public adjusters may not engage in the unauthorized practice of law or provide legal advice. Fee agreements comply with all applicable Florida regulations. Past results do not guarantee future performance. All claims outcomes depend on policy terms, damage scope, and carrier cooperation.
- FL Statute 626.854 — Public Adjuster Licensure & Fee Limitations
- FL Statute 626.8795 — Contractor-Public Adjuster Coordination
- FL Statute 627.70131 — Insurer Claims Settlement Practices
- FL Statute 626.112 — Licensing Requirements
Request Your Free Property Inspection
Don't let your carrier dictate your settlement. We'll send a licensed adjuster to inspect your property, document every detail, and give you a clear assessment of your claim potential. No cost. No obligation.