Public Adjusters in the Suwannee River Area

Mold On Ceiling from Water Damage

What Makes Suwannee's Insurance Problems Unique?

The Suwannee River area in Florida can get surprisingly hot during the summers. Add in the state's naturally high humidity and you have a recipe for mold. This region of Florida files insurance claims for mold, mildew, fungi, and bacterial growth at higher rates than most other areas of the state.

Insurance companies are run for profit, so paying every policyholder in full would eat into their bottom lines. The solution found in most insurance policies are coverage limits for water and mold damages. Many carriers will pay a maximum amount of money per claim for any damages caused specifically by water or mold.

These limits are baked into your policy when you buy it, so you agreed to these caps on your claim check before you even suffered a loss. But you’re paying rising insurance premiums for a reason — so when it comes time to file a claim, shouldn’t you expect to receive what you’re entitled to? What steps can you take to ensure you get the full value from your insurance policy?

WE'RE YOUR SUWANNEE RIVER PUBLIC ADJUSTERS

At Florida State Public Adjusters, Inc., we work exclusively for you, unlike the adjusters employed by the insurance carrier. Our licensure in Florida mandates extensive training and experience. The public adjusters serving the Suwannee River area are fully licensed and bonded, ensuring you can trust that we possess the expertise needed to effectively fight large insurance companies on your behalf.

We understand the ins and outs of your mold and water limits on your insurance policy, and we can navigate around those to minimize their effects on your claim settlement. This can result in larger checks from your carrier with fewer strings attached.

We thoroughly examine all the findings of the insurance company’s adjuster to ensure no details have been undervalued. Even minor differences can result in significant discrepancies in your coverage. Our job is to get you every dollar you're owed, so if we find that your carrier has underpaid you on your claim, we fight to earn you the money you deserve.

Our documentation can be used to support an appeal of the insurance company’s decision. Much like hiring a lawyer signals that you won’t be easily pushed around, having a public adjuster on call tells insurance companies that you have professional expertise backing you. As a result, when our public adjusters negotiate or appeal on your behalf, insurance carriers are more likely to take your claim seriously and offer a fairer settlement.

Public adjusting exists to ensure property owners have their interests fully represented. Choosing the right public adjuster is as crucial as selecting the right doctor or lawyer — you need someone who is both highly skilled and someone you feel comfortable working with. At Florida State Public Adjusters, Inc., we go beyond simple number-crunching. We carefully assess and document your property damage, and we ensure clear communication so that you are always informed about the status of your claim.

Don't let your insurance company push you around on your mold claim. Call us today!

Free Document Reviews, Free Inspections, No Obligation.

Our public adjusters are committed to assisting you throughout Suwannee That’s why we work closely with you to explore your options before you make any commitments.

We offer complimentary claim reviews, policy assessments, document evaluations, and more. Whatever documentation you have, we are happy to review it and provide our expert opinion — completely free and with no obligation. Share only what you’re comfortable with, but the more information you provide, the more effectively our team can assist you.

While we are happy to review any documentation you share, the most valuable and comprehensive information typically includes:

  • Policy Details: Your complete insurance policy or declarations page.
  • Damage Evidence: Photographs, videos, or other records of property damage.
  • Repair Estimates: Invoices or assessments from contractors or repair companies.
  • Correspondence: Communications with your insurance carrier, including emails and letters.
  • Adjuster Reports: Estimates, reports, findings, and adjusters worksheets from the insurance company’s field adjusters and other inspectors.

Reach out to us today at (386) 588-5678 to learn more about how we can help with your insurance claim!

Areas We Service Include:

  • Alachua
  • Branford
  • Dowling Park
  • Five Points
  • Fort White
  • High Springs
  • Jasper
  • Jennings
  • Lake Butler
  • Lake City
  • Live Oak
  • Mayo
  • Spring Ridge
  • Watertown
  • Wellborn
  • West Lake
  • White Springs
  • Worthington Springs

p: (386) 588-5678

admin@floridastatepa.com