Public Adjuster in Hudson, FL
Aviva Insurance Adjusters is a licensed public adjusting firm headquartered right here in Hudson, at 7416 Community Ct. We represent Hudson and west Pasco homeowners and business owners, never insurance companies, on hurricane, flood, roof, water and fire claims. Se habla español.
Why Hudson claims are different
Hudson sits on the Gulf at the western edge of Pasco County, and two storms in thirteen months showed how exposed it is. In August 2023, Hurricane Idalia passed far offshore but still pushed up to five feet of storm surge into coastal Pasco homes, and an estimated 6,000 residences took on water. Hudson Beach and Sea Ranch saw some of the worst of it. In September 2024, Hurricane Helene’s surge was even higher, and coastal Hudson neighborhoods were left with flooded homes, debris piles and mold.
That history creates claim problems we see again and again in Hudson:
- Wind vs. flood disputes. Storm surge is generally covered by flood insurance, not a standard homeowners policy, while wind and wind-driven rain fall under the homeowners policy. Carriers often blame everything on the excluded peril. We document what wind did and what water did, and review both policies so nothing falls between them.
- Repeat losses. Many Hudson homes were hit by both Idalia and Helene. Insurers may argue that damage was “pre-existing” or never repaired. Good records of what was fixed after the first storm make the difference.
- Hidden damage that shows up later. Wet drywall, subfloors and insulation can turn into mold weeks after the water goes down. Florida has strict deadlines for supplemental and reopened claims, so it pays to have the damage reviewed early.
- Older homes and mobile homes. Aging roofs, plumbing and manufactured homes in west Pasco draw “wear and tear” denials. We separate storm damage from age-related wear with photos, measurements and the policy language.
Recent result: from $1,341 to a $79,429 appraisal award
After the 2024 hurricane season, Citizens Property Insurance estimated a homeowner’s hurricane damage at just $9,515 on a home insured for $411,200. After an $8,174 hurricane deductible, the first check was only $1,341. The carrier scoped the tile roof as a small repair (a few broken tiles, ridge cap and two vents), limited the interior to paint, and depreciated that paint at 80%. The carrier’s own estimate history swung from about $12,979 down to $5,013 before it was finalized.
We documented the full roof and interior damage and invoked appraisal. The appraisal award came in at $79,429.46, more than eight times the carrier’s estimate, and the insurer issued an additional $67,815.55 about five months after the first payment.
| Carrier’s estimate | Appraisal award | |
|---|---|---|
| Replacement cost | $9,515.37 | $79,429.46 |
| Roof | Repair only | Full scope of damage |
| Payment to homeowner | $1,341.37 | $67,815.55 additional |
Client names withheld for privacy. Every claim is different, and past results do not guarantee a similar outcome.
Areas we serve around Hudson
Hudson Beach, Sea Ranch, Beacon Woods, Bayonet Point, Aripeka, Port Richey, New Port Richey, Spring Hill, Hernando Beach and the rest of Pasco and Hernando counties. We also handle claims across Pinellas and Hillsborough counties and all of Florida.
Claims we handle in Hudson
- Hurricane and windstorm damage
- Flood and storm surge damage
- Roof leaks and roof damage
- Pipe bursts and water damage
- Mold from a covered peril
- Fire and smoke damage
- Fallen trees, lightning and power surges
Why Hudson property owners choose Aviva
- Local: our office is in Hudson, so inspections and follow-up visits happen fast.
- Licensed: Florida Public Adjuster Firm License #W869253. Jose Villacis, President and Principal Adjuster, holds Florida Public Adjuster License #P110421.
- Appraisal and umpire experience: Jose is a WIND- and IAUA-certified appraiser and umpire, which helps when a claim goes to appraisal.
- 18+ years of Florida property claims experience.
- Bilingual: English and Spanish. Ajustador público que habla español.
- No upfront cost: we only get paid if your claim pays, and our fee never exceeds Florida’s legal caps.
Hudson public adjuster FAQ
My home flooded from storm surge. Will my homeowners policy pay?
Usually storm surge falls under a flood policy, not a standard homeowners policy. But most storms cause both wind and water damage, and the wind portion (roof, windows, wind-driven rain) is generally a homeowners claim. We review both policies and document each type of damage separately.
My claim from Idalia or Helene was already paid. Can I still get help?
Possibly. If you’ve found more damage or the payment didn’t cover the repairs, a supplemental or reopened claim may be an option. Florida’s deadlines for these are strict, so call us for a free review as soon as you can.
How fast can you inspect my Hudson property?
Because our office is in Hudson, we can usually schedule a free inspection quickly. Call 727-233-2525 or 1-877-351-1933.
Talk to a Hudson public adjuster today
Aviva Insurance Adjusters, Corp. · 7416 Community Ct., Hudson, FL 34667 · 727-233-2525 · Toll-free 1-877-351-1933 · Request a free claim review
Storm facts: WUSF and Spectrum News reporting on Hurricanes Idalia (2023) and Helene (2024) in Pasco County. Aviva Insurance Adjusters, Corp. is an independent Florida public adjusting firm and is not affiliated with Aviva plc, Aviva Canada or any insurance carrier.