Most people imagine an insurance claim as a single catastrophic event, but most policies cover a far wider range of losses than people realize. Below is the full set of property claims we handle for South Florida policyholders.
The premise
When most people hear “insurance claim,” they picture a single catastrophic event. The reality is that most policies cover a much wider set of losses, many of which go unfiled simply because the policyholder never knew the coverage was there.
Our public adjusters are licensed and bonded by the state of Florida to represent your interests, never the insurance company’s. We compile the documentation, retain the licensed engineers and contractors when needed, and prepare a precise estimate of what it will actually cost to repair your property and replace your belongings.
Foremost Public Adjusters provides professional claim representation across the categories below.
The catalog
Each category below carries its own carrier playbook, the arguments they’ll make, the line items they’ll cut, the exclusions they’ll lean on. We know all of them.
Commercial · Lost revenue
When a disaster interrupts your business, the burden of proving your loss can decide whether you fully recover. Whether it’s a shopping center, manufacturing facility, hospital, or any commercial property, every business income claim is unique and fact-specific. We document the loss, the lost revenue, and the path back to operations, so the carrier’s number reflects what your business actually lost.
Multi-tenant · Manuscript policies
Commercial property losses come in many forms, and not all of them center on trade or commerce. A loss to a Florida condo association building (the building, not the unit) is treated as a commercial loss. Commercial businesses often carry manuscript policies built around their specific operations. We translate those endorsements into a documented claim that holds up.
Smoke · Soot · Suppression water
Recovering from a fire is overwhelming, even small fires generate complex claims once smoke and water damage layer in. Most policyholders aren’t fluent in policy language, and the claims process turns the recovery into a frustrating ordeal. We handle the documentation, the inventory, and the negotiation so you can focus on rebuilding.
Boats · Yachts · Sudden & accidental
In Southeast Florida, the boat capital of the world, we’re seeing more marine claims, and a troubling pattern of denials. Boat claims hinge on a single phrase: “sudden and accidental.” How you present a crash, sinking, or grounding from the very first call matters enormously. If you have, or have had, a boat claim, talk to us before you talk to the carrier.
Causation · Remediation · Containment
“Mold is gold” is a phrase from inside the claims industry, and the volume of these claims has exploded, over 10,000 mold cases pending nationwide, concentrated in Florida, California, Texas, and Arizona. Mold spores threaten both health and any structure containing cellulose. Mold claims live or die on causation; we build the evidentiary chain back to a covered loss.
Plumbing · Water intrusion
When a pipe bursts, you need help fast. Most homeowners’ policies cover plumbing failures that are sudden and accidental, burst pipes, overflowing toilets, subfloor leaks. Coverage usually extends to tear-out, water damage, mold remediation, replacement of tile, subfloor, or ceilings, everything except the failed pipe itself. We make sure every covered line item is in the claim.
Homes · Condos · HOAs
We handle residential claims of every size, single-family homes, townhomes, condo unit owners, and apartment residents. We also represent condominium and homeowners’ associations and their property managers when losses affect common areas. Whatever the cause or the damage, the adjustment and the resulting repairs need to be done correctly the first time.
Storm · Wind · Hidden damage
Miami’s spring and hurricane seasons bring storms that quietly damage roofs above the eyeline. Most homeowners aren’t fluent in the claims process and lose money they’re entitled to. The first mistake is waiting to inspect, most roof damage is impossible to assess from the ground. After any storm, look up. If anything looks off, call us before you call the carrier.
Wind · Rain · Hail · Debris
You secured the patio furniture, locked the windows, and stocked provisions. Then the storm did more than expected. Damage might be obvious, a broken window, a downed tree, or it might be quietly hiding in the high shingles where you can’t see it. We document what the storm actually did, including the damage that won’t announce itself until months later.
Source mapping · Drying · Mold risk
Water damage to your home can be expensive, slow to repair, and frequently misunderstood by policyholders. With so many mold claims being denied, homeowners are left with questions about what their policy actually covers. Water damage is a time-sensitive emergency: within minutes, intrusion stains ceilings, walls, and floors and can begin the path to dangerous mold growth.
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