Public adjuster in Tallahassee, FL
Aviva Insurance Adjusters is a licensed Florida public adjusting firm that works Tallahassee and Leon County. We represent Tallahassee homeowners and business owners, never insurance companies, on tornado, hurricane, tree, roof, water and fire claims.
Se habla español. Ajustador público que habla español
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Why Tallahassee claims are different
On the morning of May 10, 2024, two EF2 tornadoes with peak winds of about 115 mph converged over Tallahassee, and an EF1 hit near Woodville. One tornado touched down in Gadsden County and tracked more than 27 miles into Leon County. The City of Tallahassee reported more than 400 broken utility poles, more than Hurricanes Hermine, Irma and Michael combined.
Most of the damage came from trees. Tallahassee’s canopy roads and old oaks are part of what makes the city beautiful, and part of what makes its wind claims so expensive. A single oak through a roof can mean structural, electrical and water damage all at once.
Tallahassee claims tend to share the same problems.
Filing after Hurricane Isaias? Our Hurricane Isaias insurance claim guide covers your deadlines, what your insurer must do and when, and FEMA help for Panhandle counties.
- Trees through roofs
- The structure is usually covered, but tree removal is often capped and carriers underpay the framing, ceilings and interior water damage underneath.
- The right deductible
- A tornado that isn’t part of a hurricane usually falls under the regular all-other-perils deductible, not the hurricane deductible. Carriers sometimes apply the wrong one.
- Power surges and electrical damage
- Downed lines and surges damage HVAC, appliances and wiring. These claims need technician reports to get paid.
- Rental and student housing
- Landlords near FSU and FAMU need loss of rents claimed along with the building damage.
How we resolve Tallahassee 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 Tallahassee
- 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 Tallahassee
Tallahassee, Woodville, Killearn, Southwood, Bradfordville, Fort Braden, Lake Jackson and the rest of Leon County. We also handle claims in Gadsden, Wakulla and the rest of the Panhandle and all of Florida.
Why Tallahassee 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.
Tallahassee public adjuster FAQ
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.
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.
I rent my house to students. Can I claim lost rent?
If your landlord policy includes fair rental value or loss of rents coverage, it can pay rent you lose while the home is being repaired. We claim it along with the building damage.
Talk to a Tallahassee 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 Tallahassee tornado survey; City of Tallahassee data via NOAA’s Storm Events Database; WFLA. 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.