Public adjuster in Orlando, FL
Aviva Insurance Adjusters is a licensed Florida public adjusting firm that works Orlando and Orange County. We represent Orlando homeowners, condo owners and business owners, never insurance companies, on hurricane, flood, roof, water and fire claims.
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Why Orlando claims are different
Hurricane Ian turned into a rain disaster for Orlando in September 2022. Downtown Orlando recorded 12.49 inches of rain and Orlando International Airport 13.2 inches, and NOAA standards rated the rainfall a 1,000-year event that overwhelmed the region’s stormwater system.
In Orlo Vista, west of downtown, three retention ponds merged into one and flooded homes; Orange County Fire Rescue said it saved 271 people from flooded homes there. Orange County officials said about a third of the homes that flooded were outside designated floodplains, and only about 3% of homes in metro Orlando carry mandated flood insurance. Hurricane Milton brought more flooding along the Little Wekiva River in 2024.
That leaves Orlando owners with claim problems we see again and again.
- Flooding outside a flood zone
- Many flooded homes had no flood policy because the lender never required one. Rising water is excluded on a homeowners policy, but wind, wind-driven rain and storm-created openings are not. We separate the two so every covered dollar gets paid.
- Repeat flooding
- Neighborhoods like Orlo Vista flooded in Irma and again in Ian. Carriers point to old damage. Records of what was repaired after the first storm make the difference.
- Roof leaks after long rain events
- Hours of wind-driven rain find every lifted shingle and cracked boot. Carriers often call it wear and tear. We document storm-created openings and the interior damage they caused.
- Condos and HOAs
- Orlando’s condo and townhome owners often need claims under both the association’s master policy and their own HO-6. We review both and coordinate them.
How we resolve Orlando 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 Orlando
- 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 Orlando
Orlando, Orlo Vista, Pine Hills, College Park, Winter Park, Windermere, Dr. Phillips, Ocoee, Apopka, Kissimmee and the rest of Orange County. We also handle claims across Central Florida and all of Florida.
Why Orlando 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.
Orlando 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 home flooded in Irma and again in Ian. Will the insurer blame the old damage?
It often tries. The answer is documentation: repair invoices, permits and photos from after the first storm show what was fixed. Where that’s missing, we document how this storm’s damage differs from older conditions.
I own a condo. Should I claim through the association or my own policy?
Often both. The association’s master policy typically covers the building structure, and your HO-6 covers interiors, improvements and contents, depending on your condo documents. We review both and coordinate the claims.
Talk to a Orlando 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: Orlando Sentinel rainfall totals for Hurricane Ian; Spectrum News 13 and WMFE reporting on Orlo Vista; Florida Division of Emergency Management on Hurricane Milton. 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.