Real Claims. Real Numbers.

These are actual settlement results for real Florida policyholders represented by Republic Adjusters. Results vary based on policy language, carrier, loss type, and documentation. Past results do not guarantee future outcomes.

What We've Recovered for Florida Clients

Hurricane Damage

$9,200

$77,600

+742%

Hurricane & Wind Damage

Carrier offered $9,200 on a Category 4 wind and rain loss covering structure, roof, interior, and contents. We documented every excluded loss category and fought through full appeals.

Orlando, FL · Citizens Property Insurance

Water Damage

$21,000

$151,000

+618%

Water Damage - Pipe Burst

Pipe burst in second-floor bathroom. Carrier underpaid structural drying scope, failed to include contents inventory, and excluded temporary living expenses during remediation.

Tampa, FL · Heritage Insurance

Fire & Smoke

$44,000

$167,000

+280%

Fire & Smoke Damage

Carrier excluded HVAC smoke contamination, wall cavity penetration, and full contents replacement. We documented every category the adjuster deliberately overlooked.

Miami, FL · Travelers

Hurricane Ian

$31,500

$198,000

+529%

Hurricane Ian - Structural Loss

Cape Coral home with severe structural damage. Carrier treated as roof-only claim. We documented complete structural and interior losses and fought for comprehensive settlement.

Cape Coral, FL · Universal Property

Denied Claim

Denied

$38,500

$0 to Paid

Mold - Denied Claim

Carrier denied coverage twice citing causation. We prepared expert rebuttal with licensed industrial hygienist documentation and forced full reversal of the denial.

Naples, FL · Tower Hill

Commercial

$28,000

$112,000

+300%

Water Damage - Commercial

Restaurant with HVAC overflow flooding the kitchen and dining room. Carrier denied business interruption losses entirely and underpaid structural scope across all affected areas.

Jacksonville, FL · Chubb

Water Damage

Denied

$29,400

$0 to Paid

Water Damage - Denied Claim

Appliance water supply line failure. Carrier denied citing delayed discovery. We documented the timeline with contractor and plumber expert witness documentation and reversed the denial.

West Palm Beach, FL · FedNat

Wind Damage

$18,500

$51,000

+176%

Wind Damage - Underpaid

Wind storm damaged roof and exterior. Carrier settled without Florida code upgrade line items, omitting hurricane straps and updated decking requirements required by Florida Building Code.

Sarasota, FL · Nationwide