Public adjuster in Arcadia, FL
Aviva Insurance Adjusters is a licensed Florida public adjusting firm that works Arcadia and DeSoto County. We represent Arcadia homeowners, farm owners and business owners, never insurance companies, on hurricane, wind, flood, roof and water claims.
Se habla español. Ajustador público que habla español
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Why Arcadia claims are different
Arcadia is 40 miles from the Gulf, but Hurricane Ian brought it a historic flood. The Peace River at Arcadia reached a record 23.7 feet on October 1, 2022, according to the National Weather Service, about 12.7 feet above flood stage. The old record had stood since 1912. Floodwater closed parts of US-17, SR-70 and SR-72, and Horse Creek also set a record.
The river is still a threat. In November 2026, heavy rain pushed the Peace River at Arcadia above major flood stage again, though the crest stayed about eight feet below Ian’s record, WGCU reported. For DeSoto County owners, river flooding and wind damage from the same storm are the norm, not the exception.
DeSoto County claims tend to share the same problems.
- River flooding
- Rising river water is excluded on a homeowners policy and needs a flood policy. Many flooded Arcadia homes were outside mapped flood zones and had none.
- Wind and roof damage from the same storm
- Ian’s winds damaged roofs before the river rose. That wind damage is a homeowners claim, even if the house later flooded. We separate the two.
- Manufactured homes
- Many DeSoto County homes are manufactured. Tie-downs, skirting, roofs and underbelly damage need a careful scope, and carriers often undervalue them.
- Farms and outbuildings
- Barns, fences, pole sheds and equipment buildings fall under separate limits or separate farm policies. We inventory every structure.
How we resolve Arcadia 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 Arcadia
- 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 Arcadia
Arcadia, Nocatee, Fort Ogden, Brownville, Lake Suzy, Pine Level and the rest of DeSoto County. We also handle claims in Fort Myers, Cape Coral, Naples, the Tampa Bay area and all of Florida.
Why Arcadia 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.
Arcadia public adjuster FAQ
I don’t have flood insurance. Can I still get paid?
Possibly. A homeowners policy generally excludes rising water, but it does cover wind and wind-driven rain that enter through storm-created openings, like a damaged roof or broken window, plus trees and other covered perils. We separate those damages from flood damage so you’re paid for everything your policy covers.
The river flooded my home again this month. Do I have time to file?
Under Florida law, notice of a new property claim must be given within 1 year of the date of loss. Flood policies have their own, shorter deadlines for proof of loss, often 60 days. Call your carrier now and document everything before cleanup.
I live in a manufactured home. Will the insurer pay to fix it properly?
It should pay what the policy owes to repair or replace the damage. Manufactured home claims are often underpaid because roof, underbelly, tie-down and interior damage get missed. We scope every component.
Talk to a Arcadia 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 data via NOAA’s Storm Events Database; The Weather Channel; FOX 4; WGCU reporting on November 2026 Peace River flooding. 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.