How it works
A clear process.
A person beside you.
Understand the steps from a free initial review through inspection, documentation, insurance conversations, and settlement decisions.
The process
How your claim moves forward.
One team to help you understand and manage the claim.
We listen.
Tell us what happened and where things stand. We review whether we can help and explain the next step.
We document.
After you choose representation, we inspect the damage and organize the photographs, estimates, and policy information.
We advocate.
We present the documented claim and handle the insurance conversations, keeping you involved in decisions.
You decide.
We walk through the insurer’s response and any settlement offer with you. You stay in control of your decisions.
Every loss is different. Coverage, evidence, and the insurer’s review determine what happens next. We explain the process without promising an outcome.
Our process, explainedBefore we begin
Understand the agreement.
Then decide.
Your first conversation is free. If representation makes sense, we explain the scope of our work, the fee, and the written agreement before you sign. Ask about cancellation rights and any outside professional services that may be needed.
Understand fees and cancellation rightsGood questions
Common questions
You deserve to understand the process before you make a decision.
What is a public adjuster?
A public adjuster is a licensed insurance professional who represents you, the policyholder, in a property damage claim. We inspect damage, prepare the claim, and communicate with your insurer. We do not sell insurance or provide legal advice.
Can I talk to you before I file a claim?
Yes. A free conversation can help you understand what information to gather and whether a closer review makes sense. Do not delay any notice required by your policy while waiting for an appointment.
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.
Can you help with a denied or underpaid claim?
We can review the decision, your policy, and the available evidence. Some claims may warrant additional documentation or further review. No outcome can be promised; coverage, deadlines, and the facts of your loss matter.
Do you help Spanish-speaking homeowners?
Yes. You can explore our guides in Spanish and request a conversation in your preferred language. Use the language link at the top of any page to switch.
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.