Public adjuster in Cape Coral, FL
Aviva Insurance Adjusters is a licensed Florida public adjusting firm that works Cape Coral and Lee County. We represent Cape Coral homeowners and business owners, never insurance companies, on hurricane, storm surge, roof, pool cage and water claims.
Se habla español. Ajustador público que habla español
Get a free claim review
Tell us what happened and a licensed public adjuster will call you back. No upfront cost.
Why Cape Coral claims are different
The highest wind recorded during Hurricane Ian was a 140 mph gust at the Cape Coral Yacht Club, according to the National Weather Service. Cape Coral’s fire chief said he believed every structure in the city had been damaged.
Ian’s surge did the most destruction along the hundreds of miles of canals and coastal frontage in Cape Coral and Fort Myers, according to a study for the Florida Building Commission, which found Ian’s peak winds were at or below the code’s design wind speed in Cape Coral. In other words, many homes failed from water, not just wind, and the claims have to reflect that.
Cape Coral claims tend to share the same problems.
- Canal-front surge
- Gulf-access canals carried surge deep into neighborhoods. Surge falls under flood insurance; wind and rain under the homeowners policy. We document each.
- Pool cages and lanais
- Screen enclosures are a signature Cape Coral loss, and many policies limit or exclude them for hurricanes. We read the endorsements before the claim is settled.
- Seawalls and docks
- These are often excluded or limited, but damage they cause to covered structures may not be. We separate what’s covered from what isn’t.
- Roofs
- Tile and shingle roofs took a beating. Under Florida’s 25% rule, older roofs with enough damage may need full replacement, not a patch.
How we resolve Cape Coral 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 Cape Coral
- 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 Cape Coral
Cape Coral, Matlacha, Pine Island, North Fort Myers, Fort Myers and the rest of Lee County. We also handle claims in Naples, DeSoto County and all of Florida.
Why Cape Coral 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.
Cape Coral public adjuster FAQ
Is my pool cage covered?
It depends on your policy. Many Florida policies limit or exclude screen enclosures for hurricane damage unless you bought extra coverage. Damage the collapsing cage causes to your home may still be covered. We check your declarations and endorsements.
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.
My Ian claim was closed. Can it still be reopened?
The deadline to reopen a 2022 hurricane claim under Florida law has passed for most policies, but there may still be options depending on your policy and claim history. Call us for a free review and we’ll tell you honestly where you stand.
Talk to a Cape Coral 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 data reported by FOX 4 and NBC-2; Florida Building Commission post-Ian building damage report; Cape Coral Fire Department. 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.