Public adjuster in Brooksville, FL
Aviva Insurance Adjusters is a licensed public adjusting firm based in neighboring Hudson. We represent Brooksville homeowners and business owners, never insurance companies, on hurricane, wind, flood, sinkhole, roof and water claims.
Se habla español. Ajustador público que habla español
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Why Brooksville claims are different
Brooksville sits inland, but 2024 showed that inland doesn’t mean safe. During Hurricane Milton the National Weather Service measured a gust of 76 mph at Brooksville, and floodwater ran over US-41 and into homes along the highway. Two weeks earlier, Helene had already flooded coastal Hernando, and county officials said Helene hit the county hardest.
Hernando County received federal disaster declarations for both storms and told residents that a FEMA application for Helene didn’t cover Milton damage. Insurance works the same way: each storm is its own claim, and the damage has to be documented storm by storm.
That leaves Brooksville owners with claim problems we see again and again.
- Back-to-back storms
- Helene and Milton hit two weeks apart. Carriers argue over which storm caused which damage, and over deductibles. Florida applies the hurricane deductible once per calendar year on most homeowners policies.
- Inland flooding
- Water over US-41 and in low areas is excluded on a homeowners policy, but roof and wind damage are not. We separate the two.
- Trees and roofs
- Brooksville’s oaks come down in every big storm. Tree removal limits are low, but the roof, framing and interior damage under the tree should be paid in full.
- Ground movement and sinkholes
- Hernando’s limestone makes sinkhole and catastrophic ground cover collapse claims common. Coverage depends on what your policy includes, so we review it before anything else.
How we resolve Brooksville 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 Brooksville
- 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 Brooksville
Brooksville, Spring Hill, Weeki Wachee, Ridge Manor, Istachatta, Masaryktown and the rest of Hernando County. We also handle claims across Pasco, Pinellas and Hillsborough counties and all of Florida.
Why Brooksville property owners choose Aviva
- Close by. our office is in Hudson, about half an hour from downtown Brooksville, so inspections and follow-ups happen fast.
- 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.
Brooksville public adjuster FAQ
Helene and Milton both damaged my home. Do I pay two hurricane deductibles?
Usually not in full. On personal residential policies with the same insurer, Florida applies the hurricane deductible once per calendar year. If the first storm used up the deductible, the second storm’s hurricane claim generally carries only the regular deductible.
Does my policy cover sinkholes?
Every Florida homeowners policy covers catastrophic ground cover collapse, which requires the home to be condemned and abandoned. Broader sinkhole coverage is optional, so many Brooksville policies don’t include it. We read your policy and tell you plainly which applies.
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.
Talk to a Brooksville 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 Tampa Bay Hurricane Milton impact summary; Hernando Sun; WUSF; Hernando County Government. 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.