Public adjuster in Marianna, FL
Aviva Insurance Adjusters is a licensed Florida public adjusting firm that works Marianna, Graceville and Jackson County. We represent Jackson County homeowners, farm owners 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 Marianna claims are different
Marianna is about 70 miles from the coast, but Hurricane Michael hit it with sustained winds of 130 to 140 mph in 2018, according to Jackson County’s emergency management director, whose own home was destroyed. He called it the worst disaster the county had ever seen. Businesses lost their roofs and facades, and three people died in the county.
Farms took a heavy blow too: Jackson County had about $44 million in field and row crop losses, the highest in the region, plus barns, pivots and peanut facilities damaged or destroyed. Hurricane Isaias brought trees down across Cottondale and Graceville again in October 2026.
Jackson 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
- The structure is usually covered when a tree hits it, but tree removal is often capped and the damage underneath gets underpaid.
- Farm buildings
- Barns, equipment sheds and other farm structures are often on a separate farm policy with its own terms. We review every policy that applies.
- Older roofs
- Under Florida’s 25% rule, older roofs with enough storm damage may need full replacement, not a patch.
- Claim deadlines
- Florida law requires notice of a new Isaias claim by October 9, 2027.
How we resolve Marianna 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 Marianna
- 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 Marianna
Marianna, Graceville, Cottondale, Sneads, Grand Ridge, Malone, Greenwood, Alford and the rest of Jackson County. We also handle claims in Calhoun, Washington and Holmes counties, across the Panhandle and all of Florida.
Why Marianna 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.
Marianna 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.
Are my barns and farm buildings covered?
It depends on the policy. A homeowners policy covers other structures under a smaller limit, while working farm buildings usually need a farm policy. We review what you have and claim every covered structure.
Talk to a Marianna 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: New York Times reporting via the Chattanooga Times Free Press; The Christian Science Monitor; National Weather Service; University of Florida IFAS economic loss estimates; National Weather Service Tallahassee Hurricane Isaias impact summary. 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.