Public Adjuster in New Port Richey, FL
Aviva Insurance Adjusters is a licensed public adjusting firm based a short drive away in Hudson. We represent New Port Richey and Port Richey homeowners and business owners, never insurance companies, on hurricane, flood, roof, water and fire claims. Se habla español.
Why New Port Richey claims are different
New Port Richey took some of the worst of Hurricane Helene in September 2024. The National Weather Service measured a peak water level of 5.04 feet above normal high tide at New Port Richey before the gauge stopped reporting, and residents said the flooding was far worse than Hurricane Idalia the year before.
In Gulf Harbors, many homeowners were still rebuilding a year later, and some Tropic Shores homes reported flooding mixed with wastewater when the surge overwhelmed parts of the city’s system.
Those storms left New Port Richey owners with claim problems we see again and again:
- Wind vs. flood disputes. Surge damage generally falls under flood insurance, while wind and wind-driven rain belong to the homeowners policy. Carriers often push everything onto the policy that pays least. We document each separately and review both policies.
- Contaminated water. When floodwater carries sewage, drywall, insulation, flooring and cabinets usually can’t be dried and saved. The scope has to reflect that, and first estimates often don’t.
- Two storms, one house. Homes hit by both Idalia and Helene draw “pre-existing damage” arguments. Records of what was repaired after the first storm make the difference.
- Substantial damage thresholds. When repairs approach half a home’s value, rebuilding rules change. Getting the full scope of damage documented matters for your claim and your permit.
Recent result: an additional $34,500 at mediation
In 2026, a New Port Richey homeowner had a kitchen water leak. The insurance company let its own hired contractor and leak detection company define the damage, and paid only for flooring, the lower kitchen cabinets, one cabinet panel and some baseboards. It applied a policy endorsement capping matching coverage at 1% of the dwelling limit and denied the supply line and dishwasher as “wear and tear.” After the $2,500 deductible, the first payment was $8,412.
We documented the full scope of the water damage, challenged the narrow estimate and the matching limitation, and took the claim to mediation. In November 2026 the claim resolved for an additional $34,500, about four times the carrier’s first payment.
| Carrier’s first payment | After mediation | |
|---|---|---|
| Scope | Flooring, lower cabinets, baseboards | Full scope of water damage |
| Matching | Capped at 1% of dwelling limit | Challenged |
| Paid to homeowner | $8,412.00 | $34,500.00 additional |
Client and carrier names withheld. Every claim is different, and past results do not guarantee a similar outcome.
Areas we serve around New Port Richey
New Port Richey, Gulf Harbors, Tropic Shores, Port Richey, Holiday, Trinity, Jasmine Estates, Hudson and the rest of Pasco County. We also handle claims across Pinellas, Hillsborough and Hernando counties and all of Florida.
Claims we handle in New Port Richey
- 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 New Port Richey property owners choose Aviva
- Close by: our office is in Hudson, a short drive up US-19, so inspections and follow-ups 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 matters 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.
New Port Richey 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 home flooded with sewage during Helene. Does that change my claim?
It can. Water contaminated with sewage usually means porous materials like drywall, insulation and flooring must be removed and replaced, not dried. We make sure the estimate reflects that and that cleanup and testing costs are included where your policy covers them.
My Helene claim 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.
Talk to a New Port Richey public adjuster today
Aviva Insurance Adjusters, Corp. · 7416 Community Ct., Hudson, FL 34667 · 1-877-351-1933 · 727-233-2525 · Request a free claim review
Storm and local facts: National Weather Service Tampa Bay Helene impact summary; FOX 13 and Tampa Bay 28 reporting on 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.