Our Company is a Public Adjusting Firm that has helped thousands of property owners recover millions  of dollars in claim payments. A Public Adjuster represents property owners against their insurance company while an insurance adjuster represents insurance companies. Our job is to make sure you are made whole and fully compensated for your insurance claim damages. Unlike the insurance adjuster sent to your home we work for you and we only get paid if we recover money for you. According to a Florida government study, available in our FAQ/Links area, claimants that hired a Public Adjuster received between 574-747% more than those that did not hire a Public Adjuster.  

       If you have a new claim, denied claim, or underpaid insurance claim we can help. We provide a no cost no obligation in home inspection. Call us today to speak with a Public Adjuster or to set up a free inspection. You would not have the IRS adjust your taxes. Don't let the insurance company adjust your insurance claim. Call us today.

Why hire us & the importance of not waiting


FREE NO OBLIGATION INSPECTIONS                          CALL 888-475-3700 

Hurricane/wind claimS

Hurricane claims are not new to Florida. However, since the last major storm made landfall a number of changes have occurred. Hurricane claims while time consuming and often longer lasting then Flood claims have more leeway in regards to timing, coverages, and supplemental claims.  Below is some important information.

  • You have 3 years to open or reopen Hurricane wind claims in the state of Florida. 
  • Every company handles these claims differently but the state statutes, local ordinances, and rules that govern them are the same.
  • The insurance companies have 90 days to make a decision. Whether it is correct or incorrect.
  • Local law & ordinance coverage often applies to these claims and create additional coverage payments for damages. Especially to Roofs and Windows. 
  • There are many different types of policies. They are not all created equal or the same. An HO6 applies to condos and possibly townhomes while an HO3 or HO8 applies to single family and some townhomes but are extremely different policies. DP1 & DP3 investor policies are different as well and many of these policies handle mold, water, loss of use, contents, and other coverage categories differently. It is very important to have a Public Adjuster on your side to make sure your claim is handled properly and all coverage is afforded.
  • There are many statutes that govern how claims are paid like condo association walls in walls out rule requirements, matching, time limits, homeowner bill of rights, and other information. 
  • Most roof damage can not be accessed from ground level. Often shingles or tiles are lifted but do not fly off. Sometimes debris is caught under shingles preventing adhesion or tiles have been displaced and compromised. You should have your roof inspected after a Hurricane passes even if it looks ok from ground level. As it is no longer rainy season most property owners do not discover the extent of damages until a heavy rain or rainier seasons. 
  • Business interruption, lost rental income, alternative costs of living, and living expense coverage may apply to these claims.
  • You are allowed and suppose to make temporary or emergency repairs like a tarp to the roof. This can be sent in the the insurance company for reimbursement
  • There are multiple appeal processes such as mediation, appraisal (your Public Adjuster vs their independent with an arbitrator like person called and Umpire), and civil remedies or lawsuits if this is unfortunately needed. 

  • Time --- Reopening claims takes time. I typically takes us the same amount of time as helping immediately. 2-6 Months

  • ​Overall settlement ---Public Adjuster obtain 747%according to the state study in our FAQ. When we come in later total recovery is less.

  • Cutting corners --- Many homeowners cut corners & hire unlicensed laborers, put back cheaper inferior materials, or do work themselves prior to or once a payment is made. 

  • Believe it or not --- When a home is gutted many people forget much of what they had in their home. For example, baseboard size, which rooms had 3/4 round or chair rail, paint types, or texture on the walls or ceiling, contents in a room, cabinet locations, and much more. This diminishes the amounts of claims due to human error. It is best to go over the home when it is not torn out or fresh in your mind. Not months later.

  • Unknown Damages --- Often our Public Adjusters will see damages a homeowner or insurance adjuster will not. For example, Shingle roofs often lift during the storm, lay back in place, have debris under them, and are compromised. From the ground it looks fine but once debris is under the shingles a roof repair or new roof is required.

  • Coverage knowledge --- Property owners are Generally unaware of what their policy covers. Does it cover contents, a shed, a screened in patio, the fence, elevated or non elevated floors, food expenses, hurricane prep expenses, alternative living expenses, business interruption, etc...? What is contents and what is dwelling?

  • Experience --- Our time is spent every day fighting insurance companies, knowing the ins and outs of the industry, and assessing damages. We know exactly how to navigate the insurance system to properly compensate property owners for their damages. 

  • Who you know/Reputation --- Sometimes our job comes down who you know & our reputation. We work with field adjusters, inside adjusters, & insurance company employees on a daily basis. We either have a good working relationship or have fought hard & won the battle before. This makes a significant difference.

Trouble In Paradise Adjusting, Inc
9160 NW 49th PlaceCoral Springs, FL33067US
Phone: 954-873-1669 Website: http://www.troubleinparadiseadjusting.com/