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Florida public adjusters. Firm license #G114979Tampa Bay & statewide   /   (352) 782-2617

Property damage claims

Help with your
water damage claim.

A pipe burst. A ceiling stain. Understand what your policy may cover. Get a free initial review from Care Claims.

We review and reply within one business day. Do not wait to report damage or meet a policy deadline.

A water stain on a white kitchen ceiling beside a closet.

What we can review

The source, timing, and extent of water damage matter. We help organize the evidence from your property, plumbing or mitigation professionals, and insurer so the claim can be reviewed against the actual policy.

  • Plumbing or appliance releases
  • Rain entry and affected building materials
  • Moisture, drying, and repair records
  • Disputed causes, exclusions, or repair scope

For your first conversation

  • Record when the water was first noticed and what the plumber or repair professional reported about its source.
  • Keep the initial photographs, moisture readings, drying logs, and repair invoices if those records are available.
  • List affected rooms and belongings separately so the conversation covers more than the visible stain.

A clear next step

Start with the property location, what happened, and your main question. We review what is available and discuss whether a document review, inspection, or specialist input makes sense. If you choose representation, the work and fee terms belong in a written agreement.

What to bring

Bring the policy, claim number if you have one, photographs, insurer letters, estimates, and records of temporary work. You can start a conversation without every document. Tell us what is missing rather than guessing.

Does a review guarantee coverage?

No. Coverage and payment depend on the policy, the facts, and applicable requirements. The initial review is free; representation is a separate decision. Public adjusters do not provide legal advice or emergency response.

Read the practical guide · Request a damage assessment

Plumbing and a water mark inside an open sink cabinet.

Understand your next step

The initial review is free. If you choose representation, we explain the fee and how it is calculated in a written agreement before you sign. Coverage and results depend on the policy and the facts.

Claim help in your area

Based in Riverview, serving Florida property owners. These are service areas, not additional offices.

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.