Public adjuster in Hillsborough County, Florida.
Our only office is in Riverview, so Hillsborough County is where we work closest to home.
Hablamos español. Our office is in Riverview, 16.9 miles from Tampa, the county seat.
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Free claim review · Hillsborough County
What happened?
Pick the closest one. Documents can wait.
Our home county
Care Claims works from a single office in Riverview, in unincorporated Hillsborough County. Tampa is the county seat, and the city pages linked below give local detail for Tampa, Riverview, Brandon, Valrico, Plant City, Temple Terrace, Lutz, Apollo Beach and Ruskin.
The county's storm records show water arriving two ways: surge along Tampa Bay, as on Bayshore Boulevard during Milton, and rivers such as the Alafia, the Little Manatee and the Hillsborough rising after heavy rain. We represent the policyholder in these claims, reading the policy, documenting the damage and handling the conversations with the insurer.
Cities and communities in Hillsborough County
Storm records for Hillsborough County
NOAA's Storm Events Database and the National Weather Service keep dated entries for each storm in the county, with measured gusts, rainfall and water levels at gauges such as East Bay and Old Port Tampa. The five below run from Irma in 2017 to Milton in 2024.
- October 9, 2024: Hurricane Milton. Gusts across the county generally reached 80 to 100 mph, with a maximum of 93 mph near Tampa International Airport. Most of the county received 10 to 15 inches of rain, with an isolated 18.82 inches near Westchase. The airport logged 11.43 inches in one day, just under its all-time record of 11.45 inches. NOAA storm record
- September 26, 2024: Hurricane Helene. The National Weather Service measured a maximum gust of 68 mph near Tampa International Airport. The East Bay tide gauge peaked at 7.2 feet above mean higher high water (MHHW), a new record for that site, and Old Port Tampa reached 6.86 feet above MHHW. NOAA storm record
- August 30, 2023: Hurricane Idalia. Gusts generally ran 55 to 65 mph, with a measured maximum of 61 mph near Tampa International Airport. Rain totaled 4 to 7 inches, with 6.26 inches near Riverview. The Alafia River at U.S. Highway 301 reached 6.56 feet (NAVD88), above the 6.2 foot record set during Hurricane Frances in September 2004. NOAA storm record
- September 28, 2022: Hurricane Ian. The highest gust reported on land was 75 mph at Tampa International Airport; a gust of 88 mph was measured over Tampa Bay. Rain totaled 5 to 8 inches. The Little Manatee River near Wimauma reached 17.65 feet, its 10th highest level, and East Bay set a new minimum water level of 5.67 feet below MLLW. NOAA storm record
- September 10, 2017: Hurricane Irma. The highest gust in coastal Hillsborough was 79 knots (91 mph) at Egmont Key, and one Tampa station recorded 16.18 inches of rain. Hillsborough County Emergency Management reported 41 homes or businesses destroyed, 130 with major damage, 166 with minor damage and 93 more affected. NOAA storm record
A dated record shows what instruments measured near your property on a given day. It supports the timeline of your claim, while the policy and the damage itself decide coverage.
Hillsborough housing at a glance
The Hillsborough County Property Appraiser lists about 458,000 residential parcels. The median home was built in 1993. About 64% were built before 2002 and 21% in 2010 or later, while condos make up 9% of parcels and mobile homes 3%.
That range means neighbors can face very different roof questions after the same storm. Insurers often ask when a roof was installed or replaced, so we gather permit history, receipts and earlier photos before that question arrives.
Who issues permits in Hillsborough County
Tampa, Temple Terrace and Plant City each run their own building departments. Unincorporated addresses, including Riverview, Brandon, Valrico, Apollo Beach, Ruskin and the Hillsborough side of Lutz, are permitted by Hillsborough County Development Services through HillsGovHub, where you can research a property.
For homes in FEMA flood zones, the county's rebuilding page explains that substantial damage occurs when the price of repairs or improvements equals or exceeds 50% of market value. Pair the roof's permit history and final inspection dates with the Hillsborough County Property Appraiser record.
Hillsborough County Property Appraiser
Search your parcel for the year built, building details and sales history. Those records help answer the roof age and construction questions an insurer may raise during a claim.
HillsGovHub permits
Hillsborough County's online permitting system for unincorporated areas. You can research a property and track applications, which helps when you need the permit history for a roof or earlier repairs.
Rebuilding and repair after hurricanes
County guidance for homes in FEMA flood zones damaged by Helene or Milton, including the Substantial Damage Packet and which repairs need a permit. Worth reading before you sign a repair contract.
A permit record does not establish the cause of damage or insurance coverage. Ask the building department about current repair requirements.
Commercial, condo and underpaid claims
A commercial claim here can involve the building, its contents and, when the policy includes it, business income. Whether lost income is covered depends on that policy, so we read the coverage sections before talking about numbers. Condo claims involve two policies: the association's master policy and the owner's unit policy, each covering what its declarations describe.
An underpaid claim starts with a comparison: the insurer's estimate set against the damage we document at the property. Where the two differ, we prepare the supporting detail and present it to the insurer.
Questions we hear about Hillsborough County
Is your office in Hillsborough County?
Yes. Our only office is in Riverview, in unincorporated Hillsborough County. We do not keep separate offices in Tampa or other cities. Most owners call us first, and a visit to the insured property happens after our team confirms it. We reply to messages within one business day.
Do you handle commercial and condo claims in Hillsborough County?
Yes. For a business, we first check which property, contents and business income coverages the policy lists. For a condo, we sort out which damage belongs under the association's master policy and which under your unit policy, then document and present your part of the claim.
What should I do if my Hillsborough County claim seems underpaid?
Gather the insurer's estimate, any payment letters and your own photos. We compare that estimate, item by item, with the damage we document at the property and prepare the supporting detail for the insurer. The policy and Florida law set notice deadlines, so it is wiser to ask early than to wait.
What is the Substantial Damage Packet the county mentions?
For homes in FEMA flood zones damaged by Helene or Milton, Hillsborough County asks owners to submit a Substantial Damage Packet and to file repair permits through HillsGovHub. The county notes that cosmetic work such as drywall needs the packet but no permit. We keep those records next to your insurance claim.
Can I work with you in Spanish?
Yes. Care Claims works in English and Spanish, from the first call through the documents we prepare for your claim. If some people in your household are more comfortable in one language and some in the other, we can include everyone in the same conversation.
What does it cost to work with Care Claims?
The initial claim review is free. If you choose representation, the fee and how it is calculated are explained in a written agreement before you sign, subject to Florida law. Read about public adjuster fees.
Our office
Care Claims, Riverview
Riverview, FLHelpful to have ready
- Your policy, if you have it
- The claim number and insurer letters
- Photos and any estimates or receipts
Start without them if you need to. Visits take place at the insured property after our team confirms them.
Your next step
Let’s look at your situation.
Start with what you know. We’ll help you work through the rest.
We review and reply within one business day. Do not wait to report damage or meet a policy deadline.