Public Insurance Adjuster and Advocate for the Insured






You Pay Us Nothing Until You Are Paid. We Guarantee Results.

Florida Disaster Claims Expertise

Flood and Water Damage Claims
“Flooding can cause significant property damage. We ensure water damage is thoroughly documented and fully compensated.

Hurricane Damage Claims
“With extensive experience handling Florida hurricane claims, we expertly navigate the complexities of these devastating events.

Fire and Smoke Damage Claims
“We assess and file claims for fire-damaged homes and businesses, ensuring a fair settlement for repairs or rebuilding.”

Storm and Hail Damage Claims
“Storms and hail can cause hidden damages that insurers may overlook. We ensure your claim covers all necessary repairs.”

Expert Claim Services

Damage Assessment

Damage assessment involves evaluating the extent of damage to property, determining repair or replacement costs, and documenting the findings. It's essential for insurance claims and recovery efforts.

Insurance Policy Analysis

Insurance policy analysis involves reviewing coverage, exclusions, and limitations to ensure the policyholder's understanding and identify gaps or areas needing additional coverage to mitigate risks.

Claim Negotiation

Claim negotiation focuses on ensuring a fair settlement by presenting evidence of damages and reviewing policy terms. It seeks to secure adequate compensation while resolving disputes with the insurer.

Expedited Payment Collections

The collection of insurance proceeds involves submitting the necessary documentation to the insurer and following up on the claim process. Once approved, the policyholder receives the payout to cover damages or losses as outlined in the policy.

We are a Florida-based company dedicated to expediting insurance claims for hurricane, flood, fire, storm, and hail damage. With over 36 years of experience, our expert public adjusters ensure families receive the maximum payout they deserve during challenging times. Our journey began as Red Cross Mass Care Officers, evolving into specialists in large-loss insurance claims adjustment. Having managed claims exceeding $2 billion, we are committed to effective recovery and compassionate service every step of the way.

Why Hire a Public Adjuster?

Denied Claims
Underpaid Claims
Easier for You
Maximum Recovery
Expedited Payment 

Unlike insurance company adjusters, public adjusters work solely for you, not the insurer. Our role is to represent your best interests, ensuring that your claim is thoroughly assessed, accurately filed, and maximized to its full potential. 

We have found that like other industries, insurance companies are very short staffed, the staff they have are overworked, under paid, undertrained, and don’t have the best attitude. It’s important to have your own private adjuster on your side. 

Important Stories to Educate Consumers

Why Hire Us?

  • 35 years of experience in disaster claims
  • Specialize in handling Fire, Water, Flood, Storm 
  • Mission Driven, Values Focused

I began my disaster victim assistance career in 1989 and was the Mass Care Officer for the Broward County American Red Cross during Hurricane Andrew. I then ran a team of 160 retired fire chiefs that performed disaster victim assistance in 117 cities across America for 22 years. Today I am a property damage insurance adjuster. A lot has changed since then. It’s far more complex. Insurance companies have become manipulative, ruthless, shameless.  

We have already found that like other industries, insurance companies are very short staffed, the staff they have are overworked, under paid, undertrained, and don’t have the best attitude. It’s important to have your own private adjuster on your side. 

Disaster Victim Advocate since 1989 

  • Flood, Storm, Fire Property Damage Claims 
  • Insurance Policy Analysis 
  • Damage Valuation 
  • Claims Settlement 
  • Expedited Recovery for Our Client

We have found that like other industries, insurance companies are very short staffed, the staff they have are overworked, under paid, undertrained, and don’t have the best attitude. It’s important to have your own private adjuster on your side. 

My job is to help people make smart claims decisions about property damage Insurance claims / policy analysis / damage appraisal / claim settlement / expedited payment are all very complex matters. 

I’m here to help if you need me. I began my disaster victim assistance career as the Mass Care Officer for the Broward County American Red Cross during Hurricane Andrew. Today I am a property damage insurance adjuster. A lot has changed since then. It’s far more complex. Insurance companies have become manipulative, ruthless, shameless. Watch attached CBS News 60 Minutes story about that.

We have already found that like other industries, insurance companies are very short staffed, the staff they have are overworked, under paid, undertrained, and don’t have the best attitude. It’s important to have your own private adjuster on your side. 

I am a public insurance adjuster. My job is to help people make smart claims decisions about property damage Insurance claims / policy analysis / damage appraisal / claim settlement / expedited payment are all very complex matters. 

Before the storm:

Put your policies in a safe place.

Take photos of your entire home paying close attention to the personal property / contents in closets, cabinets, drawers, garage, etc.

After a storm:

Do not allow any of your total loss contents items to leave your property until you have an agreed value in writing with insurance adjuster. Even if your adjuster says you can dispose of the items don’t do it without written value agreement. You will likely be passed off to several adjusters before you are paid, and your third claims adjuster doesn’t care you’re your first adjuster told you. (Watch 60 Minutes below). Each item must be photo inventoried and valued. You can photograph items outside but don’t allow them to be removed. Once your contents leave your property, even I can’t help you fix it. 

Dry out your building as soon as possible to prevent mold growth. Find a professional or start removing wet materials yourself. Mold begins to grow in 24 hours. Mold creates a whole different level of problems and often has limited or excluded insurance coverage.

Contact me if you need help

Michael “Hurricane” Hosto 

Licensed FL Property Claims Adjuster 

[email protected]

Disaster Victim Advocate since 1989 

  • Flood, Storm, Fire Property Damage Claims 
  • Insurance Policy Analysis 
  • Damage Valuation 
  • Claims Settlement 
  • Expedited Recovery for Our Client
Read oUR Testimonials
5/5
I met Michael a little over a year ago as he was considering an investment with Dark Horse Capital. I was immediately impressed with his due diligence, business savvy, and values-based approach. I've gotten to know Michael more after he became an investor. He has demonstrated himself to be an ethical decision maker and has been generous with his time and advice.
William Harper
Managing Director at Dark Horse Capital
5/5
Michael Hosto possesses the unique ability to perceive the big picture and break it down in a way that eludes others. As a former professional athlete who achieved remarkable feats in football, including a national championship and receiving All ACC Honors, I've come to understand that greatness is a conscious choice.
Nile Lawrence-Stample
President at NLS cleaning • 2013 NCAA National Champion
5/5
Michael is a proven creator and leader of successful businesses. His experience has allowed him to develop deep expertise for organizational culture, determining a company mission and values and knowing how to maintain healthy teams. His guidance and insight would be of value to any business owner or executive.
Stan Perkins
Sales/Business Development Executive
5/5
Michael is a passionate, caused based leader with an strong ability to rally people and build processes to drive results. Given all his success in areas like entrepreneurship, national brand leadership, or helping others build businesses directly or through investment.
Justin J.
Executive Leader | Corporate Sales and Leadership Coach | Training and Development Expert | Proud Military Veteran
5/5
I've known Michael for about 15 years. He's always been one of those folks you can always count on. He's got a great business mind and always has thoughts and ideas on how to grow your business. These are things he's employed and proven in his own businesses. I count Micheal as a mentor and friend.
Mark McCrary
Sr. Healthcare Advisor and Systems Integrator at Presidio
5/5
I've known Mr. Hosto since I was a very young entrepreneur, over a decade now, and he has always had a sincere interest in the things that I was involved in and has always rooted for me to succeed. He's given me invaluable wisdom and advice throughout the years and he also gave me many opportunities to build my businesses; he was a customer of mine for many years
Ryan Ard
Serial Entrepreneur | Global Business Strategist | Problem Solver
5/5
I’ve had the pleasure of knowing Michael in both a professional and personal basis. What strikes me the most is how consistent he is in every element, situation or conversation. His wisdom in shared with an authentic characteristic combined with the right touch of compassion and empathy.
Howard Teitelbaum
Senior Sales Professional
5/5
Michael and I met at an alumni event about 15 years ago. We quickly bonded as entrepreneurial brothers and became fast friends. We both love studying business, culture, and leadership. He's always has great energy, enthusiasm, and drive. He's intelligent, innovative, and a big-picture thinker. Every time we talk, I'm inspired and motivated to think bigger and make big choices.
Jason Mudd
Professional Public Speaker • "Best PR Leader in North America"
5/5
I had the pleasure working with Michael Hosto at 3Phase Business Advisors and 1-800 BoardUp and it was a privilege to experience his leadership skills. His vision and tenacity makes for the perfect combination for success of any ventures he leads. He is a kind and firm leader that has a history of building business from the ground to success.
Heidi Lang
Managing Partner, Executive Coach and Real Estate Advisor
5/5
Michael is a thinker, an idea man, and a hell of a good guy! He puts his money where is mouth is and is doer. I would happily speak to anyone about the many reasons why Michael's business acumen and style would benefit anyone.
Rochelle Stoddard
Owner & President of Berman Brothers & Rubin Iron Works
5/5
My experience under Michael Hosto's leadership was inspiring and personally encouraging for the time I served as support staff. His passion to assist disaster victims is contagious as he leads the charge with warmth, generosity, and a "whatever it takes" attitude that has made the company successful thus far.
S. Kirsten Schmitt
Administrative generalist with experience spanning corporate and nonprofit administration
5/5
Working with Michael sharpened me and shaped me into a nimble, opportunity seeking entrepreneur. Michael is an innovative disruptor in business. He is an idea to execution guy. He prides himself in doing meaningful work and employing people with passion to serve others. I learned so much from him and am thankful to still call him a friend and mentor.
Laura Quick
Professional Storyteller • Writer • Keynote Speaker • 10,000 hours earned in Business, Sales & Marketing Strategy
5/5
Michael and the team at 3PHASE Advisers are a group of strong individuals that specialize in different areas to help companies grow. We have worked with Michael and know him to have a straight, up-front approach to helping his clients achieve their company goals and personal vision for the organization.
Michele McManamon
CEO at Operation New Uniform
5/5
It gives me immense pleasure to provide a reference for Michael Hosto and his team of highly-qualified professionals at 3Phase Advisors. Michael has taken the antiquated and stodgy management consulting industry, and turned it upside down. His team is committed to helping SMB’s grow their business first, in order for it to properly prepare for an exit strategy in the future.
Richard Beyer
Owner - The Brothers that just do Gutters | Small Business Consultant | Musician
5/5
Michael Hosto is a dynamic thinker and has built a great organization.
Matthew Ludens
Director at JS Held, LLC
5/5
When first meeting Michael Hosto over 20 years ago while we were independently working on a very technical large-loss in South Florida I was impressed with his natural abilities to accomplish daunting tasks under extreme pressures. Since then, our paths have frequently crossed and I’m continually impressed with his accomplishments and personal drive to help OTHERS succeed. Michael is a stand-up guy and I truly cherish our personal and professional relationship.
Michael Mies
Large Loss & Technology Recovery Expert
5/5
Michael is a visionary whose perspective is born from a multi-faceted experience in the business. From his restoration experience to his revolutionary brain child, 1-800-BOARDUP, Michael’s understanding of the industry is unsurpassed. His ability to surround himself with quality people in no small way, lends to his impressive success. Michael is a motivated individual yet he hasn’t lost sight of his core values. I have always appreciated Michael’s fair approach in his business dealings and his uncompromising efforts to protect his organization for the common good.
James Kowalski
Partner at Kowalski Construction, Inc.
5/5
Michael is one of the most dynamic people I know. His energy and enthusiasm is contagious and excellent ideas continually flow from him. Michael's combination of creativity and analytical thinking always produces new opportunities for business growth.
Charles Cressy
President North Star Restoration Consultants
5/5
Michael is passionate about advising companies that want to operate at the next level. He is a goal-oriented partner who understands it takes both process and people to make great things happen.
Dolly Penland
Use science, training and expert consulting to align your business strategy with your people strategy
5/5
Michael is a visionary with a gift for strategic planning and developing a strong company culture. During negotiations to form a national partnership between 1-800-BOARDUP and the American Red Cross I had the pleasure of meeting Michael and his executive management team who are clearly committed to providing service excellence.
Vicki Hamilton, MBA
Small Business Owner, Change Management Professional, Strategic Visionary, Entrepreneur, Published Author, Podcaster, Creative Mind
5/5
Michael is an on the ball guy who has conceptualized and then implemented though the creation of a company a marketing strategy that has been effective in generating work for restoration contractors who work with insurance companies. His successful strategy gets his clients on the job before competitors are even aware that there is a job.
Eugene Peterson, Expert Witness
National Expert Witness - Xactimate & Construction Litigation at Advise & Consult, Inc.

Trusted By Best

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