Public adjuster in Ocala, FL
Aviva Insurance Adjusters is a licensed Florida public adjusting firm that works Ocala and Marion County. We represent Ocala homeowners, farm owners and business owners, never insurance companies, on wind, roof, tree, lightning, water and fire claims.
Se habla español. Ajustador público que habla español
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Why Ocala claims are different
Ocala usually avoids the worst of a hurricane, but it rarely avoids the damage. During Hurricane Milton in October 2024, Marion County received 9.42 inches of rain with gusts to 44 mph, according to the National Weather Service, and a peak of 71,202 Marion County customers lost power as trees fell across roads and lines.
Strong thunderstorms do damage here too. An EF1 tornado in April 2015 sent trees onto houses in the Palm Cay and Oak Run neighborhoods, and strong thunderstorms regularly bring mature trees down onto roofs. For Ocala owners, a claim is as likely to come from a tree, a lightning strike or a burst pipe as from a named storm.
Ocala claims tend to share the same problems.
- Trees on houses
- Oaks and pines cause most of our Marion County roof claims. The structure is usually covered, but tree removal is often capped and carriers lowball the framing and interior damage underneath.
- Barns, fences and outbuildings
- Horse farms and rural lots have structures covered under a separate, smaller limit. We inventory every building so nothing is left off the claim.
- Lightning and power surges
- Central Florida’s lightning damages wiring, well pumps, HVAC systems and electronics. These claims need the right evidence, and carriers often deny them for lack of it.
- Water damage inside the home
- Supply lines, water heaters and slab leaks cause sudden water losses that carriers try to call long-term seepage. Timing and documentation decide these claims.
How we resolve Ocala claims
Every claim starts with a complete, documented estimate of the damage. From there, we use whichever path gets the claim paid in full.
- Negotiated settlement
- We present the evidence, submit supplements for missed damage and negotiate directly with the carrier. Many claims are resolved here with a signed settlement and release.
- Appraisal
- When the dispute is over the amount of the loss and your policy includes an appraisal clause, each side names an appraiser and an umpire decides any disagreement. Jose Villacis is a WIND- and IAUA-certified appraiser and umpire.
- Mediation
- We prepare the claim and represent you at mediation, where a neutral mediator helps both sides reach a settlement. Mediation is one of the most common ways our claims are resolved.
- Litigation support
- If a carrier still won’t pay what the policy owes, we prepare the complete claim file, including documentation, estimates and claim history, so it’s ready for your attorney before a lawsuit is filed. Attorneys also hire us as insurance loss consultants to prepare estimates and document damages for their cases.
Every claim is different, and the right path depends on your policy and the dispute.
Claims we handle in Ocala
- Hurricane and windstorm
- Flood and storm surge
- Roof leaks and roof damage
- Pipe bursts and water damage
- Mold from a covered peril
- Fire and smoke
- Fallen trees
- Lightning
- Power surges
Areas we serve around Ocala
Ocala, Silver Springs, Belleview, Dunnellon, Summerfield, On Top of the World, Oak Run, Marion Oaks and the rest of Marion County. We also handle claims across Central Florida and all of Florida.
Why Ocala property owners choose Aviva
- On site when it counts. we inspect your property in person, then handle follow-up by phone, email and video so your claim keeps moving.
- Licensed. Florida Public Adjusting 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, from the first call to the final settlement.
- No upfront cost. We only get paid if your claim pays, and our fee never exceeds Florida’s legal caps.
Ocala public adjuster FAQ
A tree fell on my house. Is that covered?
Usually, when the tree damages a covered structure like your home, garage or fence. The policy typically pays to repair the structure and to remove the tree from it, though debris removal for trees is often capped. A tree that falls in the yard without hitting anything is often not covered. We document the tree, the impact and every damaged component.
Lightning hit near my house and fried my electronics and HVAC. Is that covered?
Lightning and the power surge it causes are generally covered perils on a Florida homeowners policy, subject to your deductible and policy terms. The claim needs proof of the strike and the damage: technician reports, failed components and weather data. We gather it.
Are my barn and fences covered?
Usually under Other Structures coverage, which is often 10% of your dwelling limit unless you bought more. Farm and commercial buildings may need a separate farm or commercial policy. We review what you have and claim every covered structure.
Talk to a Ocala public adjuster today
Free claim review, no upfront cost. Se habla español.
Aviva Insurance Adjusters, Corp., 7416 Community Ct., Hudson, FL 34667Storm and local facts: National Weather Service data reported by 352today.com; Ocala Gazette power outage reporting on Hurricane Milton; Insurance Journal on the April 2015 Ocala tornado. Aviva Insurance Adjusters, Corp. is an independent Florida public adjusting firm and is not affiliated with Aviva plc, Aviva Canada or any insurance carrier. FL Public Adjusting Firm Lic.# W869253.