Public adjuster in Bonifay, FL
Aviva Insurance Adjusters is a licensed Florida public adjusting firm that works Bonifay, Ponce de Leon and Holmes County. We represent Holmes County homeowners and business owners, never insurance companies, on hurricane, wind, tree, roof and water claims.
Se habla español. Ajustador público que habla español
More than 90%of Holmes County lost power after Hurricane Michael in 2018.
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Why Bonifay claims are different
During Hurricane Michael in 2018, more than 90% of Holmes County was without power, and Bonifay’s first responders spent the first days clearing roads like Highway 177A to reach elderly residents at Dogwood Lakes.
Hurricane Isaias came through in October 2026. About 10,283 Holmes County customers lost power, nearly every road had downed trees, and some vehicles struck fallen trees, according to the National Weather Service. In Holmes County, storm claims almost always start with a tree.
Holmes 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.
- Manufactured homes
- Roof, underbelly and tie-down damage are often missed in carrier estimates. We scope every component.
- Outbuildings and fences
- These fall under a separate, smaller limit. We claim every covered structure.
- Claim deadlines
- Florida law requires notice of a new Isaias claim by October 9, 2027.
How we resolve Bonifay 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 Bonifay
- 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 Bonifay
Bonifay, Ponce de Leon, Esto, Noma, Westville and the rest of Holmes County. We also handle claims in Washington, Jackson and Walton counties, across the Panhandle and all of Florida.
Why Bonifay 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.
Bonifay 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.
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.
I live in a manufactured home. Will the insurer pay to fix it properly?
It should pay what the policy owes to repair or replace the damage. Manufactured home claims are often underpaid because roof, underbelly, tie-down and interior damage get missed. We scope every component.
Talk to a Bonifay 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: FlaglerLive and the News Service of Florida on Hurricane Michael outages; Washington County News; 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.