Types Of Claims

PubAdjuster offers FREE claim reviews. No one wants accidents, emergencies or “acts of God” to occur, but if they do home owners and business owners do not have to fight the insurance companies alone. PubAdjuster can remove that overwhelming task for you. We assist in the entire process and there are NO upfront fees for you. Not working with an experienced public adjuster like PubAdjuster, could cause your claim to be denied or underpaid. It is incredibly important to document your claim accurately and to work with experts in the industry who know what it will cost to fix. PubAdjuster can recommend industry experts including:
  • Water/Mold Clean Up Specialists
  • Plumbers
  • AC Technicians
  • Painters
  • Air Quality Testing Firms
  • Engineers
  • Roofers
  • General Contractors
  • Smoke/Fire Restoration Specialists
  • Forensic Personal Property Specialists
  • Relocation Specialists
  • Movers and Packers
Instead of dealing with your insurance company and coordinating inspections with one or more of these industry experts, let PubAdjuster handle it all for you?


Pubadjuster handles all types of claims, large or small

Whether a pipe leak, a back-up in your plumbing that causes toilets to overflow or any other type of flood or water leak, the most common type of property insurance claims are water related. This is due not only to the aging water infrastructure in South Florida, but also due to the fact that many people flush things down the toilet, wash things down the drain or else use the water system in ways they should not be. This can put stress on the pipes, which can in turn cause a leak to form where something has caused a blockage in one of the pipes.  This occurs most often at the junction where two pipes meet and can result in water pooling underneath your home’s floor and forming large stains.  Pipes in the walls also frequently leak or burst, causing interior damage to a home. Learn More about Water Damage and Flood Claims

Hurricanes are a fact of life in Florida. Hurricane season seems like it is starting earlier, ending later and getting worse with every year that goes by, with more named storms and near-misses with every year.

Hurricanes can wreak havoc upon Florida homes, with wind that can tear off all or part of a roof off and torrential rain that then pours through whatever openings in a roof that the hurricane or tropical storm may have created. Learn More About Hurricane Damage Claims.

Although most people think they are less common than in other parts of the South or Midwest like Tornado Alley in the middle of the country, Florida does frequently experience tornadoes. These most often occur in conjunction with the frequent thunderstorms that occur in the Sunshine State.  In fact, Florida actually consistently ranks among the states with the highest number of tornadoes on an annual basis.

These weather events can cause absolute devastation to a home and its contents, tearing off the roof and then scattering your personal possessions throughout the neighborhood.

Hail, especially the golf ball-sized balls of ice that drop from the sky in South Florida during the torrential rainstorms in this area, can take out chunks of your roof that can then lead to interior damage from wind-driven rain or holes that will need to be repaired after a storm is over. Strong wind gusts can blow down power lines, blow objects from your neighbor’s yard through the window of your home or cause any other sorts of untold damage to homes in South Florida.

Fire damage can be devastating to a home and its contents. It can completely destroy part or all of a home; if the fire department comes to extinguish the fire and save your home, it can further destroy and/or damage either your home itself or the contents of your property inside with either the amount of water used or the chemicals used to extinguish the blaze.

The water used by the fire department can also lead to the formation of mold if the home is not properly and completely dried out after the fire has been extinguished.

The fumes from smoke can ruin your clothes, your other possessions and cause damage to your home itself. Smoke can lead to discoloration on the walls and damage to other parts of the interior of your home.

Smoke damage and soot can also be hazardous to health and can cause breathing difficulties for even those without pre-existing breathing problems.

Mold often comes after instances of a water leak, pipe break, or other water damage. Water sits somewhere and, eventually due to the high humidity in Florida, mold or various forms of fungi can form. Mold can be easy to spot when you see it, but it will often be hiding in the walls or underneath the floors where water has pooled and was not fully dried out when you suffered a water loss of some sort.  Mold can also lead to the development of breathing difficulties even in those with no previous breathing issues or to exacerbation of asthma, emphysema or other breathing-related illnesses.

Damage to your home or the property in your home caused by a crime such as a break-in or vandalism is usually covered under your homeowner’s insurance policy.