Public adjuster in Crawfordville, FL
Aviva Insurance Adjusters is a licensed Florida public adjusting firm that works Crawfordville and Wakulla County. We represent Wakulla County homeowners and business owners, never insurance companies, on hurricane, storm surge, flood, roof and tree claims.
Se habla español. Ajustador público que habla español
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Why Crawfordville claims are different
Wakulla County’s coast is one of the most surge-prone in Florida, and county officials say a whole-county evacuation is possible in a big storm. During Hurricane Michael in 2018, the chairman of the Wakulla County Commission said the surge reached 12 feet.
Before Hurricane Helene in September 2024, the county warned that areas south of US-98, along the Wakulla River, St. Marks, Mashes Sands, Shell Point, Live Oak Island and Spring Creek could see up to 20 feet of surge. Helene’s surge flooded the county’s coast, and low ground in Panacea still had standing water the next day.
Wakulla 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.
- Wind vs. surge
- Surge damage falls under flood insurance, while wind and wind-driven rain belong to the homeowners policy. Coastal homes at Shell Point and Panacea usually have both. We document each.
- Elevated homes
- Damage below the first floor of an elevated home is often limited under flood policies. Knowing what’s covered, and where, matters.
- Trees inland
- Crawfordville’s pines and oaks fall on homes in every storm. The structure is usually covered; tree removal is often capped.
- Repeat storms
- Michael, Idalia, Debby and Helene all affected the Big Bend. Carriers blame old damage; repair records make the difference.
How we resolve Crawfordville 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 Crawfordville
- 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 Crawfordville
Crawfordville, Panacea, Shell Point, St. Marks, Medart, Sopchoppy, Wakulla Springs, Spring Creek and the rest of Wakulla County. We also handle claims in Leon and Franklin counties, across the Panhandle and all of Florida.
Why Crawfordville 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.
Crawfordville public adjuster FAQ
My elevated home had surge underneath. Why didn’t flood insurance pay for it all?
Flood policies limit coverage in areas below the lowest elevated floor to certain items, like foundations, utilities and stairways. Damage above that floor is covered more broadly. We document what’s covered in each area.
My home has both surge and wind damage. Which policy pays?
Usually both, for different parts. Flood insurance covers rising water and surge, and the homeowners policy covers wind and wind-driven rain. We document each type of damage separately.
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.
Talk to a Crawfordville 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 Association of Counties reporting on Hurricane Michael; Wakulla County Government; WFSU and WTXL. 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.