Public adjuster in Naples, FL
Aviva Insurance Adjusters is a licensed Florida public adjusting firm that works Naples and Collier County. We represent Naples homeowners, condo owners and business owners, never insurance companies, on hurricane, storm surge, flood, roof and water claims.
Se habla español. Ajustador público que habla español
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Why Naples claims are different
Hurricane Ian’s eye stayed miles to the north, but Naples still saw its worst storm surge on record. The Naples Pier gauge peaked at 6.18 feet above normal high tide, according to the National Weather Service, beating Hurricane Irma’s 2017 record by nearly two feet, before the gauge stopped reporting. Naples’ own fire station took on about three feet of water.
The National Weather Service found significant to major surge flooding over almost all of Collier County south and west of US-41, from Everglades City to the Lee County line. Naples’ city manager said nearly every establishment in the city got water inside.
That leaves Naples owners with claim problems we see again and again.
- Saltwater damage
- Saltwater corrodes wiring, HVAC, elevators and appliances long after the water recedes. First estimates often miss it. We document what failed and why.
- Condo master policies and HO-6s
- Many Naples owners live in associations. The master policy and each unit owner’s policy cover different parts, and loss assessments add a third layer. We coordinate all of them.
- Flood policy limits
- High-value Naples homes often exceed NFIP limits of $250,000 for the building. Excess flood coverage and careful contents claiming matter.
- Wind vs. surge
- Wind and wind-driven rain belong to the homeowners policy; surge to flood insurance. We keep them separate so each carrier pays its share.
How we resolve Naples 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 Naples
- 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 Naples
Naples, Old Naples, Port Royal, Park Shore, Pelican Bay, Golden Gate, Marco Island, Immokalee and the rest of Collier County. We also handle claims in Fort Myers, Cape Coral and all of Florida.
Why Naples 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.
Naples public adjuster FAQ
My condo association sent a special assessment after a storm. Can my policy help?
Possibly. Loss assessment coverage on an HO-6 can pay your share of a covered assessment. Florida law gives you until the later of 1 year after the loss or 90 days after the association votes the assessment to give notice. We review the assessment and your policy.
My home had both surge and wind damage. Which policy pays?
Usually both, for different parts. Flood insurance covers rising water and surge, and the homeowners policy covers wind and wind-driven rain. We document each separately.
Saltwater got into my A/C and electrical. Why wasn’t that in the estimate?
Because corrosion often shows up weeks later. If components failed because of the flood, that damage belongs in the claim. Technician reports and timelines are how we prove it.
Talk to a Naples 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 Miami Hurricane Ian summary; Axios and FOX News reporting on the Naples Pier gauge. 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.