Public adjuster in Pasco County, Florida.
From the Anclote River to Wesley Chapel, we help Pasco County owners document storm, flood and sinkhole damage.
Hablamos español. From our Riverview office, Dade City is 46.3 miles away.
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Do not wait to report damage or meet a policy deadline.
If anyone is in immediate danger, call 911 first. Care Claims handles insurance claims, not emergency response.
Free claim review · Pasco County
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Who we help in Pasco County
Dade City is the Pasco County seat. Our pages for Wesley Chapel, New Port Richey and Lutz, which sits partly in Pasco and partly in Hillsborough, are linked below with local permit and storm detail.
Pasco's records describe two different kinds of storm exposure. On the coast, Helene pushed water at New Port Richey to 5.04 feet above mean higher high water, while inland, Milton dropped 14.94 inches of rain near Dade City. We help business owners and homeowners in both areas read the policy, document the damage and handle the conversations with the insurer.
Cities and communities in Pasco County
Pasco County storm records
These entries come from NOAA's Storm Events Database and the National Weather Service. Together they cover coastal Pasco, around New Port Richey, Hudson and Holiday, and the inland side, around Zephyrhills, Dade City and Land O' Lakes.
- October 9, 2024: Hurricane Milton. Gusts generally reached 55 to 65 mph, with a maximum of 59 mph near Zephyrhills. Rain totaled 8 to 12 inches, with an isolated 14.94 inches near Dade City. Along the coast, water generally stayed a foot or less above mean higher high water (MHHW), and blowout tide conditions left water below normal for a time. NOAA storm record
- September 26, 2024: Hurricane Helene. Gusts generally ran 50 to 60 mph, peaking at 56 mph near New Port Richey. Rain totaled 1 to 3 inches, with 2.94 inches near Holiday. The New Port Richey gauge reached 5.04 feet above MHHW before it stopped reporting, and water elsewhere on the Pasco coast generally reached 2 to 5 feet above MHHW. NOAA storm record
- August 30, 2023: Hurricane Idalia. Gusts generally ran 45 to 55 mph, with a maximum of 45 mph near Hudson. Rain totaled 2 to 4 inches, with 4.05 inches near Wesley Chapel. Elevated water levels submerged or partly inundated roadways and structures along the immediate waterfront. NOAA storm record
- September 10, 2017: Hurricane Irma. Inland winds were estimated at about 40 to 60 knots (46 to 69 mph), with a reported gust of 48 knots (55 mph) at Land O' Lakes. Rain was generally 6 inches or more, reaching 9.64 inches in Richland. The record notes wind damage to numerous homes and businesses, along with downed trees and power lines. NOAA storm record
- September 3, 2016: Anclote River flood (Hermine). Heavy rain, mostly from Hurricane Hermine, pushed the Anclote River at Elfers into major flood stage. The river crested at 25.08 feet on September 3 and stayed in moderate or major flood stage from the 3rd through the 6th. NOAA storm record
Matching your loss date to an entry like these helps show when and how damage may have happened. It does not settle coverage, which turns on the policy wording.
Permits and flood rules in Pasco County
Unincorporated Pasco, including Wesley Chapel, Land O' Lakes, Holiday, Hudson and Odessa, is permitted by Pasco County Building Construction Services through the Pasco Gateway. New Port Richey runs its own building division inside city limits.
In flood hazard areas, the county's substantial improvement and damage page lets you look up a Substantial Damage Determination letter by address, and FEMA's 50% rule applies to repairs there. Request your roof permit records, and the Pasco County Property Appraiser's year built, before the insurer's inspection.
Pasco County Property Appraiser
Search a Pasco parcel for its year built, building details and sales history. Those details help when an insurer asks how old the roof or structure is during a storm or sinkhole claim.
Pasco County Building Construction Services
The county's building office for unincorporated Pasco, with access to the Pasco Gateway. Start here to find permit records for a roof replacement or earlier repairs to your property.
Substantial Improvement and Damage
Lets owners in flood hazard areas of unincorporated Pasco look up a Substantial Damage Determination letter by address, and explains that a home found substantially damaged must be brought up to flood safety standards.
A permit record does not establish the cause of damage or insurance coverage. Ask the building department about current repair requirements.
Commercial and sinkhole claims in Pasco County
For a Pasco business, a commercial property claim can reach the building, contents and inventory and, if the policy provides it, business income. Whether lost income is paid depends on that policy's wording, so we read those sections first and gather the records that show what the business lost.
Sinkhole claims follow their own path. They usually turn on how the policy treats ground movement and on engineering findings at the site, so we start with the coverage pages and any report the insurer obtained, then document cracks, settling and other visible damage over time.
Questions we hear about Pasco County
Do you keep an office anywhere in Pasco County?
No. We serve Pasco County from our office in Riverview, in Hillsborough County, and have no separate office in Wesley Chapel, New Port Richey or Dade City. You can call or write first, and a visit to the insured property in Pasco takes place after our team confirms it.
Do you work on commercial property claims in Pasco County?
Yes. We review the commercial policy with the owner, including any business income coverage, document the damage to the building and its contents, and prepare the claim for the insurer. Lost income depends entirely on what the policy provides, so we confirm that before discussing it.
Can a public adjuster help with a sinkhole claim in Pasco County?
Yes, we can review it with you. We read how your policy treats sinkhole and ground movement losses, go through any engineering report the insurer obtained and document the damage at the property. The policy and Florida law set deadlines for giving notice, so report the damage to your insurer without delay.
How do I find out whether my Pasco home received a Substantial Damage Determination?
For homes in flood hazard areas of unincorporated Pasco, the county's substantial improvement and damage page lets you search by address for a Substantial Damage Determination letter. If your home is found substantially damaged, the county requires it to be brought up to flood safety standards. Bring that letter to our first conversation.
Can a Spanish-speaking owner and an English-speaking partner join the same call?
Yes. You can talk with us in Spanish about the damage, the policy and the insurer's requests, and a partner, manager or relative who prefers English can join the same call. We cover the same points with both of you so nobody is left guessing.
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.
Nearest 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.
Neighboring areas we serve
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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.