Public adjuster in Quincy, FL
Aviva Insurance Adjusters is a licensed Florida public adjusting firm that works Quincy, Havana and Gadsden County. We represent Gadsden County homeowners and business owners, never insurance companies, on hurricane, tornado, tree, roof and water claims.
Se habla español. Ajustador público que habla español
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Why Quincy claims are different
Hurricane Michael in 2018 was the worst storm to hit Gadsden County since Hurricane Kate in 1985. Trees and limbs were piled everywhere, homes were damaged or destroyed, and the entire county lost power. Four people died in Gadsden County.
On May 10, 2024, a tornado touched down at about 6:38 a.m. near Spooner Road in eastern Gadsden County, snapped and uprooted trees across the county, crossed the Ochlockonee River and tracked into Tallahassee. The National Weather Service rated it EF2, with peak winds of 115 mph, along a path more than 27 miles long.
Gadsden County 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 on homes
- Most of our Gadsden claims start with a tree. The structure is usually covered, but tree removal is often capped and the damage underneath gets underpaid.
- Older homes and roofs
- Carriers often blame age. Under Florida’s 25% rule, older roofs with enough storm damage may need full replacement rather than a patch.
- Outbuildings and fences
- Rural lots have sheds, barns and fences covered under a separate, smaller limit. We claim every structure.
- The right deductible
- A tornado that isn’t part of a hurricane usually falls under the regular deductible, not the hurricane deductible.
How we resolve Quincy 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 Quincy
- 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 Quincy
Quincy, Havana, Midway, Gretna, Chattahoochee, Greensboro, Concord and the rest of Gadsden County. We also handle claims in Leon County, across the Panhandle and all of Florida.
Why Quincy 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.
Quincy 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.
Does Florida’s 25% roof rule still apply?
Sometimes. Since 2022, if your roof was built or replaced to the 2007 Florida Building Code or later (generally roofs installed after March 1, 2009), only the damaged section must meet current code. Older roofs with 25% or more damaged can still require full replacement under the code. That difference can change a repair estimate into a full roof claim.
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.
Talk to a Quincy 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; The Famuan; National Association of Counties; FlaglerLive. 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.