Jonathan Cimadevilla

Built From the Claims Trenches

Jonathan Cimadevilla founded Care Claims after witnessing firsthand how the insurance claims process is structured to favor carriers over the policyholders they are contractually obligated to serve. Insurance companies deploy entire departments — adjusters, engineers, lawyers, and software systems — all calibrated to contain payouts. Homeowners and business owners face that machine alone, typically with no experience in claims negotiation, damage documentation, or policy interpretation. Jonathan built Care Claims to correct that fundamental asymmetry.

His approach is rooted in hands-on claims experience, not theory. Jonathan personally inspects properties, documents damage using industry-standard protocols, and builds Xactimate estimates that meet or exceed the level of detail carriers produce internally. He understands how carrier adjusters are trained to evaluate claims, what documentation triggers proper review, and which negotiation strategies move files from underpaid to fully compensated. This is not about filing paperwork — it is about building claims that are difficult to deny.

Jonathan operates in full compliance with Florida insurance statutes governing public adjusters, including FL Statute 626.854 (public adjuster licensure and fee limitations), FL Statute 626.8795 (contractor-public adjuster coordination requirements), and FL Statute 627.70131 (insurer claims settlement practices and timeframes). Every client engagement begins with a written contract that discloses all fees, cancellation rights, and regulatory protections — as required by Florida law.

Beyond individual claims work, Jonathan developed ClaimPilot, Care Claims' proprietary claims management platform. ClaimPilot gives every client real-time visibility into their claim — documents, photos, negotiation milestones, and direct communication with their assigned adjuster — replacing the opacity that carriers rely on with full transparency. It is adjuster expertise backed by software precision, and it consistently produces higher settlements.