Types of Claims We Handle
From fire and hurricane damage to mold, sinkholes, and theft — we represent Florida property owners across every type of covered loss.
Every Claim Deserves Expert Representation
Insurance companies assign their own adjusters to every claim — professionals whose job is to protect the insurer's bottom line, not yours. Southern Public Adjusters levels the playing field. With over 30 years of experience handling every type of property insurance claim in Florida, we know how to document your loss, counter lowball estimates, and negotiate the settlement you're entitled to.
Fire & Smoke Damage
Fire losses are among the most devastating and complex claims. Smoke and soot damage extends far beyond the visible burn area, and insurers routinely underestimate the full scope. We document every affected surface, system, and content item.
Learn moreHurricane & Storm Damage
Florida's hurricane season brings wind, rain, and storm surge that can cause catastrophic property damage. We handle the full scope — roof damage, structural loss, flooding, and loss of use — and know how to navigate Florida's complex storm insurance market.
Learn moreWater Damage
Sudden water intrusion from storms, appliance failures, or plumbing issues can cause extensive hidden damage. We moisture-map every affected area and ensure the full cost of drying, demolition, and reconstruction is included in your claim.
Learn moreMold Damage
Mold resulting from a covered water loss is a legitimate insurance claim. We document the source, the spread, and the full remediation cost — and push back when insurers try to exclude mold as a separate, uncovered event.
Learn moreRoof Claims
Wind, hail, falling debris, and storm damage to roofing systems are among the most disputed claims in Florida. We document every layer of damage — from shingles to decking to structural framing — and fight for a full replacement when warranted.
Learn moreSinkhole Claims
Florida leads the nation in sinkhole activity. These claims require specialized engineering documentation and an adjuster who understands the science. We coordinate the full investigation and ensure your settlement covers structural repair and stabilization.
Learn morePipe Break Claims
A burst pipe or failed supply line can release hundreds of gallons before it's discovered. Insurers frequently dispute these claims as gradual leakage. We establish the sudden and accidental nature of the loss and document every affected area.
Learn moreTheft & Vandalism
Property crimes leave behind damage that goes beyond what's immediately visible. We document structural damage, forced entry, and the full inventory of stolen or damaged contents — ensuring your claim reflects the true extent of your loss.
Learn moreLoss of Use
When your home is uninhabitable after a covered loss, your policy should pay for temporary housing, meals, storage, and other additional living expenses. We document every qualifying cost and fight for the full displacement period you're entitled to.
Learn moreNot Sure What Type of Claim You Have?
Call us. We'll review your situation, explain your coverage, and tell you exactly what we can do for you — at no cost and no obligation.
Call 305-234-8243