FL DFS Licensed Firm #G114979  ·  Representing Policyholders Statewide  ·  (352) 782-2617
Care Claims Adjusting - Florida Licensed Public Adjuster
Home Claims Help For Contractors Resources Call (352) 782-2617 Free Inspection
FLORIDA LICENSED PUBLIC ADJUSTERS

Florida's Insurance Claims Special Forces

Your carrier deploys adjusters trained to minimize payouts. We deploy adjusters trained to maximize them. Licensed, bonded, and battle-tested across every Florida county — Care Claims turns denied and underpaid claims into full recoveries.

FL DFS Licensed
Firm #G114979

State-licensed, bonded, and E&O insured. Every adjuster holds an active Florida DFS license.

Contingency Only
10–20% of settlement

Zero upfront fees. We only get paid when you get paid — our interests are 100% aligned with yours.

Tampa Bay Core
Clearwater to Sarasota

Headquartered in Riverview. Our primary zone runs from Clearwater through Tampa to Sarasota — licensed statewide across all 67 counties.

FL DFS Licensed Firm #G114979
Contingency Only — Zero Upfront Fees
Eden Real-Time Claims Portal
Tampa • Clearwater • St. Pete • Sarasota • Brandon • Riverview
Statewide Coverage — All 67 Counties
Hurricane • Water • Fire • Wind • Roof Damage
Denied Claims Reopened & Won
(352) 782-2617
FL DFS Licensed Firm #G114979
Contingency Only — Zero Upfront Fees
Eden Real-Time Claims Portal
Tampa • Clearwater • St. Pete • Sarasota • Brandon • Riverview
Statewide Coverage — All 67 Counties
Hurricane • Water • Fire • Wind • Roof Damage
Denied Claims Reopened & Won
(352) 782-2617
Roofing Contractors

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

Partner With Us

Two ways to start. Pick the one that fits.

Send Dead Leads Book Partner Sit-Down

Licensed PA firm • FL DFS #G114979 • Full compliance

Why Care Claims

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.

Our Process

How Care Claims Works

A clear, tactical sequence — from first call to final settlement. Every step designed to maximize your recovery.

01

Free Damage Assessment

We inspect your property, photograph every detail, and assess claim viability within 48 hours. No cost, no obligation.

02

Full Documentation Build

Our team compiles evidence, estimates, and supporting materials. Everything uploads to Eden, your secure claims portal with real-time tracking.

03

Carrier Negotiation

We handle all carrier interactions — meetings, appeals, demand letters. You review offers through Eden while we push for maximum settlement.

04

Settlement & Recovery

Funds flow to you. We take our fee only from the settlement, and you get a full report documenting the entire process.

Licensed public adjuster in hard hat inspecting Florida property damage for insurance claim documentation
Dedicated Expertise

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 Strategist
Proprietary Technology

Eden: 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.

Eden claims management platform dashboard showing real-time claim tracking and analytics
Proactive Communication

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.

Claim Specialties

We Know Florida's Toughest Claims

Hurricane storm damage to Florida residential property photographed in clear daylight
Residential

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.

Modern commercial building in Florida with bright blue sky — commercial property insurance claims
Commercial

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.

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.

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.

Verified Google Reviews

What Florida Property Owners Actually Say

Live reviews pulled directly from our Google Business Profile.

Service Areas

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

Common Questions

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.

Regulatory Compliance

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
Start Your Claim

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.

By submitting, you consent to being contacted regarding your claim. No obligation. No upfront fees. Per FL Statute 626.854.

Licensed • Bonded • E&O Insured
Free Property Damage Assessment
Dedicated Adjuster Assigned to Your Claim
Track Everything Through Eden — 24/7 Portal Access
Contractor Dead-Lead Partnership Program
We Handle the Carrier. You Focus on Recovery.
FL Statute 626.854 Compliant
Care Claims Adjusting — Tampa Bay HQ
Licensed • Bonded • E&O Insured
Free Property Damage Assessment
Dedicated Adjuster Assigned to Your Claim
Track Everything Through Eden — 24/7 Portal Access
Contractor Dead-Lead Partnership Program
We Handle the Carrier. You Focus on Recovery.
FL Statute 626.854 Compliant
Care Claims Adjusting — Tampa Bay HQ
Care Claims Adjusting
Need help with a property damage claim? We're a licensed public adjusting firm ready to answer your questions.