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
Property damage assessment and settlements 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.
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.
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.
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.
Would you like us to send you a free property damage claim guide to learn the top 5 problems to avoid on your claim?
We are a Florida-based company dedicated to expediting property damage 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 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. Their staff is overworked, underpaid, undertrained, and doesn’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 plus years of experience in disaster claims
Specialize in handling Fire, Water, Flood, Storm
Mission Driven,
Values Focused
As a disaster victim advocate since 1989 i have handled:
- Flood, Storm, Fire Property Damage Claims
- Insurance Policy Analysis
- Damage Valuation
- Claims Settlement
- Expedited Recovery for Our Client
At Michael Hosto & Associates, Public Insurance Adjusters, 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 property damage insurance claim decisions about property damage Insurance claims / policy analysis / damage appraisal / claim settlement / expedited payment are all very complex matter
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 leading 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
Michael@RiverCityClaims.com
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Michael Hosto & Associates, Public Insurance Adjusters is a leading provider of property insurance claims assistance across Florida.