Public adjuster in Blountstown, FL
Aviva Insurance Adjusters is a licensed Florida public adjusting firm that works Blountstown, Altha and Calhoun County. We represent Calhoun County homeowners, farm owners and business owners, never insurance companies, on hurricane, wind, tree, roof and water claims.
Se habla español. Ajustador público que habla español
About 95% damageacross nearly 347,000 acres of forest in Bay, Calhoun and Gulf counties after Hurricane Michael.
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Why Blountstown claims are different
Hurricane Michael stayed a major hurricane far inland in 2018, wrecking small towns from Blountstown and Bristol to Altha and Marianna. In Bay, Calhoun and Gulf counties, almost 347,000 acres of forest suffered about 95% damage, which the Florida Forest Service rated catastrophic. Calhoun County also recorded the region’s highest rainfall from Michael, 6.66 inches, and the Chipola River flooded near Altha.
Isaias hit again in October 2026, bringing down trees and power lines near Altha and flooding roads near Highway 274, according to the National Weather Service. For Calhoun County owners, trees remain the biggest storm risk to homes.
Calhoun 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.
- Farms and outbuildings
- Barns, equipment sheds and fences fall under separate limits or a farm policy. We inventory every structure.
- Manufactured homes
- Roof, underbelly and tie-down damage are often missed. We scope every component.
- Claim deadlines
- Florida law requires notice of a new Isaias claim by October 9, 2027.
How we resolve Blountstown 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 Blountstown
- 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 Blountstown
Blountstown, Altha, Clarksville, Kinard, Scotts Ferry and the rest of Calhoun County. We also handle claims in Liberty, Jackson and Gulf counties, across the Panhandle and all of Florida.
Why Blountstown 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.
Blountstown 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.
Are my barn and fences covered?
Usually under Other Structures coverage, which is often 10% of your dwelling limit unless you bought more. Farm and commercial buildings may need a separate farm or commercial policy. We review what you have and claim every covered structure.
Hurricane Isaias damaged my home in October 2026. How long do I have to file?
Under Florida law, notice of a new or reopened property claim must be given within 1 year of the date of loss, and a supplemental claim within 18 months. For Isaias, which made landfall on October 9, 2026, that means notice of a new claim by October 9, 2027. Don’t wait for the deadline: damage is easier to prove while it’s fresh.
Talk to a Blountstown 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: Insurance Journal reporting on the Florida Forest Service’s Hurricane Michael assessment; Palm Beach Post; National Weather Service storm data; 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.