Public adjuster in Spring Hill, FL
Aviva Insurance Adjusters is a licensed public adjusting firm based just south of Spring Hill in Hudson. We represent Spring Hill and Hernando County homeowners and business owners, never insurance companies, on sinkhole, hurricane, roof, water and fire claims.
Se habla español. Ajustador público que habla español
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Why Spring Hill claims are different
Spring Hill sits in the heart of Florida’s “sinkhole alley.” Experts say Spring Hill ranks No. 1 in the nation for verified sinkholes, because the limestone beneath it slowly dissolves over time. State reports describe the area’s geology as shallow limestone covered by sand and clay, the conditions that create sinkholes.
Hernando County’s coast was also hit hard by Hurricane Helene’s storm surge in 2024, with flooding in Hernando Beach and along Shoal Line Boulevard.
That combination creates claim problems unique to Spring Hill.
- Sinkhole vs. catastrophic ground cover collapse
- Since Florida’s 2011 law changes, full sinkhole coverage is optional and many policies don’t include it. Every homeowners policy must still cover catastrophic ground cover collapse, which is defined much more narrowly. Which coverage applies, and whether testing was done properly, decides these claims.
- Cracks blamed on “settling.”
- Carriers often attribute wall, floor and slab cracks to normal settlement or poor construction. Engineering reports and testing are the evidence that matters.
- Storm damage on top of old damage
- Homes with past sinkhole repairs or prior claims draw “pre-existing” arguments when a hurricane hits. Clear records separate old damage from new.
- Hurricane roof and water claims
- Wind-damaged roofs and the interior water damage that follows are the most common claims we see after a storm in Hernando County.
How we resolve Spring Hill 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 Spring Hill
- 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 Spring Hill
Spring Hill, Weeki Wachee, Hernando Beach, Brooksville, Masaryktown, Ridge Manor, Aripeka, Hudson and the rest of Hernando and Pasco counties. We also handle claims across Pinellas and Hillsborough counties and all of Florida.
Why Spring Hill property owners choose Aviva
- Close by. our office is in Hudson, just south of Spring Hill, so inspections happen fast.
- 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.
Spring Hill public adjuster FAQ
Does my homeowners policy cover sinkholes?
Maybe not. Since 2011, Florida insurers can sell sinkhole coverage separately, so many policies don’t include it. Every policy must cover catastrophic ground cover collapse, but that requires specific conditions, such as the home being condemned and ordered vacated. Check your declarations page, or send it to us and we’ll review it free.
My carrier denied my sinkhole claim. What can I do?
Ask for the testing and engineering reports the denial was based on. Denials often turn on how and where testing was done. We review the reports and your policy and can advise on next steps, including appraisal where your policy allows it.
My home flooded from storm surge. Will my homeowners policy pay?
Usually storm surge falls under a flood policy, not a standard homeowners policy. But most storms cause both wind and water damage, and the wind portion (roof, windows, wind-driven rain) is generally a homeowners claim. We review both policies and document each type of damage separately.
Talk to a Spring Hill 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: WTSP reporting on Spring Hill sinkholes; Florida Senate Interim Report 2011-104 on sinkhole insurance; WUSF reporting on Hurricane Helene in Hernando County. 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.