Public adjuster in Fort Lauderdale, FL
Aviva Insurance Adjusters is a licensed Florida public adjusting firm that works Fort Lauderdale and Broward County. We represent Fort Lauderdale homeowners, condo owners and business owners, never insurance companies, on flood, water, hurricane, roof and condominium claims.
Se habla español. Ajustador público que habla español
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Why Fort Lauderdale claims are different
On April 12, 2023, 25.91 inches of rain fell at Fort Lauderdale-Hollywood International Airport, most of it within a few hours. It was the most rain ever recorded in Fort Lauderdale in a single day, nearly doubling the old record of 14.59 inches from 1979, and the city averages about 3 inches for all of April.
Neighborhoods like Edgewood flooded and streets stayed impassable for days. Hollywood recorded 18.16 inches and Dania Beach 17.30. Broward County said about a third of Fort Lauderdale’s average annual rainfall came down in an eight-hour window.
That leaves Fort Lauderdale owners with claim problems we see again and again.
- Rain flooding vs. rain damage
- Water rising from the ground is flood and needs a flood policy. Water that comes through a damaged roof or a storm-created opening is often a homeowners claim. The difference decides who pays.
- Sewer and drain backup
- Overwhelmed systems pushed water back into homes. Backup coverage is usually an endorsement with its own limit. We check whether you have it.
- Condos
- Broward’s condo owners often need claims under the master policy, their HO-6 and loss assessment coverage. We coordinate all three.
- Hidden water damage
- Saturated drywall, baseboards and cabinets can grow mold within days. A complete moisture survey keeps the scope from being too small.
How we resolve Fort Lauderdale 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 Fort Lauderdale
- 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 Fort Lauderdale
Fort Lauderdale, Hollywood, Dania Beach, Plantation, Davie, Pompano Beach, Coral Springs, Pembroke Pines, Wilton Manors and the rest of Broward County. We also handle claims in Miami-Dade and Palm Beach counties and all of Florida.
Why Fort Lauderdale 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.
Fort Lauderdale public adjuster FAQ
Rainwater flooded my house. Is that covered?
It depends on how the water got in. Water rising from the ground is generally excluded unless you have flood insurance. Water through a storm-damaged roof or window, or a covered drain backup if you have that endorsement, can be a homeowners claim. We trace the path of the water.
Does my policy cover sewer or drain backup?
Only if it includes a water backup endorsement, which most Florida policies offer as an option with a separate limit. Check your declarations page, or send it to us and we’ll review it.
I own a condo. Should I claim through the association or my own policy?
Often both. The association’s master policy typically covers the building structure, and your HO-6 covers interiors, improvements and contents, depending on your condo documents. We review both and coordinate the claims.
Talk to a Fort Lauderdale 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 data reported by WUSF, NBC 6 and Broward County; Copernicus GloFAS bulletin. 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.