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.
What Florida Property Owners Actually Say
Live reviews pulled directly from our Google Business Profile.
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.
Eden: Your Claims Command Center
Most PA firms operate on spreadsheets and phone calls. Eden means faster responses, better documentation, and a professional edge that carriers respect.
Traditional PA Firms
With Eden
Claim Dashboard
Live status of every claim element from first inspection to final settlement.
Photo Evidence
Timestamped damage photos organized by area, severity, and category.
Direct Messaging
SMS and email threads with your adjuster — all logged and searchable.
Document Checklist
Track every form, estimate, and filing requirement with completion status.
Settlement Tracker
See every offer, counter, and negotiation milestone leading to your payout.
Deadline Alerts
Automated reminders for filing deadlines, carrier responses, and action items.
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.
Turn Every Job Site Into Revenue
Dead leads, stalled projects, undocumented damage — our Contractor Alliance turns your frustrations into funded claims and completed jobs. Real-time tracking through Eden. 100% FL Statute 626.8795 compliant.
Dead Lead Revival
Send us leads that stalled. We handle the claim side, fund the project, you keep the work.
Day One Claims
Spot damage on a job? Introduce us immediately. Better documentation, faster settlements, you build.
Eden Portal Access
Track every referral in real-time. Job-ready alerts, claim milestones, and direct messaging — all in one dashboard.
Built for Florida Property Owners
Homeowners
Coastal and inland Florida residents with hurricane, roof, wind, and water damage. Whether it's a Category 5 aftermath or a slow leak that became a $40K problem — we build the case your carrier can't ignore.
Commercial Property Owners
Multi-unit landlords, retail, office, and industrial operators. Business interruption, loss of rents, tenant displacement, and complex commercial policy claims — handled with tactical precision.
Referral Partners
Contractors, restoration specialists, real estate professionals, and attorneys. Our Contractor Partnership program turns your dead leads into documented claims and closed projects.
What Happens Next
From first contact to settlement, you'll never wonder where things stand.
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.
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.
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