Public adjuster in Boca Raton, FL
Aviva Insurance Adjusters is a licensed Florida public adjusting firm that works Boca Raton and Palm Beach County. We represent Boca Raton homeowners, condo owners and business owners, never insurance companies, on hurricane, tornado, roof, water and condominium claims.
Se habla español. Ajustador público que habla español
318 homes damagedby one EF3 tornado from Hurricane Milton in Palm Beach Gardens, October 2024.
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Why Boca Raton claims are different
Hurricane Milton made landfall on Florida’s west coast in October 2024, but its outer bands spun tornadoes across Palm Beach County. The worst was an EF3 with winds of up to 140 mph that tore through the Avenir community in Palm Beach Gardens, damaging 318 homes, 12 of them destroyed. FEMA estimated $45 million in damage there.
Palm Beach County authorities said at least 200 homes were uninhabitable after the tornadoes. Tornado damage inside a hurricane is one of the most confusing claims in Florida, because which deductible applies depends on timing and policy language.
Palm Beach County claims tend to share the same problems.
- Which deductible applies
- A tornado spawned by a hurricane during the hurricane watch or warning period can fall under the larger hurricane deductible. One outside that period usually doesn’t. Getting this right can be worth thousands.
- Roof and window damage
- Wind-driven debris breaks windows and opens roofs, letting rain in. The interior water damage that follows should be part of the claim.
- Condos and HOAs
- Boca’s condo and HOA owners often need claims under the master policy and their own HO-6. We coordinate both.
- Matching
- When damaged tile, siding or flooring can’t be matched, Florida law requires repairs to produce a reasonably uniform appearance. Carriers often pay only for the damaged pieces.
How we resolve Boca Raton 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 Boca Raton
- 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 Boca Raton
Boca Raton, Delray Beach, Boynton Beach, Highland Beach, Lake Worth Beach, West Palm Beach, Palm Beach Gardens, Wellington and the rest of Palm Beach County. We also handle claims in Broward and Miami-Dade counties and all of Florida.
Why Boca Raton 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.
Boca Raton public adjuster FAQ
How does my hurricane deductible work?
On most Florida homeowners policies the hurricane deductible is a percentage of your dwelling limit, often 2% to 10%, and it applies once per calendar year with the same insurer. A tornado or windstorm outside a hurricane usually falls under the smaller all-other-perils deductible instead. Which deductible applies is worth checking before you accept a payment.
Only part of my tile roof was damaged, and the tiles are discontinued. What happens?
Florida’s matching law requires repairs that create a reasonably uniform appearance. If replacement tiles can’t match, more of the roof may need to be replaced than just the broken pieces. We document the mismatch.
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 Boca Raton 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: CBS12 and CBS News Miami reporting on Palm Beach Gardens damage assessments after Hurricane Milton. 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.