Public adjuster in Brandon, FL
Aviva Insurance Adjusters is a licensed public adjusting firm based in Hudson, serving all of Hillsborough County. We represent Brandon, Valrico and Riverview homeowners and business owners, never insurance companies, on hurricane, flood, roof, water and fire claims.
Se habla español. Ajustador público que habla español
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Why Brandon claims are different
Hurricane Milton dropped 10 to 15 inches of rain over most of Hillsborough County in October 2024, according to the National Weather Service. In the days after, a nearby waterway rose into neighborhoods in Valrico and Brandon that residents said had never flooded like that, and Paul Sanders Park in Brandon went under.
Hillsborough County crews rescued more than 500 residents and 100 pets in the flooding that followed Milton. Many of the flooded homes were miles from the coast and outside the flood zones that lenders use to require flood insurance.
That leaves Brandon owners with claim problems we see again and again.
- Inland flooding without flood insurance
- River and creek flooding is excluded on a homeowners policy. Wind, wind-driven rain and storm-created roof openings are covered. We separate the two so you’re paid for everything covered.
- Wind vs. water
- When the same house has a damaged roof and floodwater inside, carriers push all of it onto the policy that pays least. We document each type of damage separately.
- Roofs and screen enclosures
- Milton’s wind peeled shingles and shredded lanais across eastern Hillsborough. Screen enclosures often have separate limits, so we check how your policy treats them.
- Water damage that shows up later
- Ceiling stains, swollen drywall and mold can appear weeks after a storm. Supplemental claims have an 18-month deadline under Florida law.
How we resolve Brandon 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 Brandon
- 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 Brandon
Brandon, Valrico, Riverview, Seffner, Lithia, Dover, Plant City, FishHawk, Apollo Beach and the rest of Hillsborough County. We also handle claims across Pasco, Pinellas and Hernando counties and all of Florida.
Why Brandon property owners choose Aviva
- Close by. our office is in Hudson, so we cover eastern Hillsborough quickly for inspections and follow-ups.
- 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.
Brandon public adjuster FAQ
I don’t have flood insurance. Can I still get paid?
Possibly. A homeowners policy generally excludes rising water, but it does cover wind and wind-driven rain that enter through storm-created openings, like a damaged roof or broken window, plus trees and other covered perils. We separate those damages from flood damage so you’re paid for everything your policy covers.
My claim was paid, but I found more damage. What can I do?
You can file a supplemental claim for additional damage from the same loss. Under Florida law, notice of a supplemental claim must be given within 18 months of the date of loss. We document the new damage and submit it.
Does my policy cover my screen enclosure?
It depends on the policy. Many Florida policies limit or exclude screen enclosures for hurricane damage unless you bought extra coverage. We check your declarations and endorsements before the claim is settled.
Talk to a Brandon 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 Tampa Bay Hurricane Milton impact summary; NPR reporting on flooding in Valrico and Brandon. 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.