Florida property damage guidance

Property damage can become a second full-time job.

You should not have to become your own contractor, claims expert, and project manager overnight. Florida Loss Review helps busy property owners understand the loss, protect their options, coordinate the right professionals, and pursue the strongest practical recovery available under the circumstances.

Start My Free Damage Review See How the Review Works

Free same-day consultation. No claim is filed automatically. You remain free to choose any contractor or professional.

Reviewed by a real property-loss professional
Property-specific next steps
Statewide field coordination

Property intelligence supported by

Free damage review

Start your free damage review

Step 1 of 4 · About two minutes

Step 1 current
Step 2 upcoming
Step 3 upcoming
Step 4 upcoming

Review led by Ian Schuler, Florida Public Adjuster W679380.

Why Florida losses are different now

The decisions made at the beginning can shape the entire recovery.

Reporting periods are shorter. Policy provisions can materially change payment. Legal remedies have changed. Storm damage can be difficult to date and document. And the first contractor or insurer involved may see only one part of the problem.

61%
Citizens claims closed with no payment
Citizens Property Insurance closed 61% of its homeowner claims with no payment in 2025.
Weiss RatingsAnalysis of insurers’ 2025 annual statements · Published April 16, 2026
42%
Closed Milton homeowner claims with no payment
Approximately 42% of closed Hurricane Milton homeowner claims ended with no payment as of December 9, 2025.
Florida Office of Insurance RegulationHurricane Milton catastrophe claims data · Data as of December 9, 2025
$4.35M
Paid through Florida’s contractor recovery fund
Florida paid $4,352,242 through its Homeowners’ Construction Recovery Fund in 2025 to assist eligible homeowners who suffered financial losses involving licensed contractors.
Florida Department of Business and Professional Regulation2025 accomplishments and recovery-fund payments · Published January 7, 2026

Claims may close without payment for different reasons, and recovery-fund eligibility is limited. These figures do not establish wrongdoing in every case. They show why damage, coverage, deductibles, evidence, proposed repairs, and contractor credentials should be understood early.

Review My Damage and Options

What owners are navigating

01
Less time
Policies may require prompt notice before Florida’s one-year outside deadline.
02
More policy variables
Roof schedules, matching provisions, water limits, managed repair, and other terms can change the result.
03
Less room to repair a weak file later
Early documentation and informed decisions matter more under Florida’s changed litigation environment.
04
Different parties, different roles
Insurers, contractors, engineers, adjusters, and attorneys may each see only one part of the loss.

Someone still needs to look across the entire loss from the homeowner’s perspective.

The applicable policy and facts control. Florida Loss Review can help identify the provisions and questions that deserve closer review.

A property loss can become a second job

You manage your life. We help manage the loss.

A serious property loss can bring emergency work, insurance requirements, contractor decisions, inspections, research, funding, deadlines, and disputes at once. Florida Loss Review helps quarterback it alongside you.

01
Protect the position
Help document conditions, flag urgent concerns, organize evidence, and recognize issues that may matter later.
02
Preserve the options
Consider insurance and non-insurance paths before an early decision, repair, contract, or missed deadline removes a better option.
03
Coordinate the recovery
Help assemble the right professionals and keep the loss moving toward one objective.

You remain in control.

Florida Loss Review provides coordination and context. You remain free to choose any contractor, professional, provider, or path forward.

The easiest repair to sell is not always the best solution for the property.

Trade-specific view

Evaluates that company’s specialty
May focus on the visible symptom
May not account for the full claim file
May not research weather or alternative funding
May recommend work it can readily perform

FLR whole-loss view

Begins with the owner’s full situation
Considers immediate and long-term needs
Connects damage, evidence, policy, and scope
Considers insurance and non-insurance paths
Coordinates specialists after the path is understood

A skilled, honest contractor remains essential while seeing only the part within that contractor’s scope.

The insurer’s answer, the contractor’s answer, and the homeowner’s best answer are not necessarily the same answer.

Roof example

After a hurricane, a localized repair may appear to be the fastest solution. But the correct scope can depend on the roof’s age, damage extent, repairability, matching, applicable requirements, manufacturer instructions, inspection findings, policy provisions, and long-term durability.

Florida Loss Review does not replace the roofer. It helps the owner evaluate whether the proposed work fits the complete property, claim, and recovery picture.

What a review can change

What a review can protect—and uncover.

The visible repair is only one part of what may be at stake. A property loss can affect continued damage, owner time, financial recovery, available funding, future risk, and the long-term condition of the property.

Without a whole-loss review

With Florida Loss Review

Without a whole-loss review
01
A quick repair may address the symptom while missing the cause or surrounding damage.
With Florida Loss Review
Connect the visible damage with the property, evidence, repair questions, and available paths.
Without a whole-loss review
02
The first recommendation may become the only path before the alternatives are understood.
With Florida Loss Review
Consider repair, insurance, grants, contractor responsibility, financing, or other options before committing.
Without a whole-loss review
03
Photos, estimates, reports, weather information, and communications may remain scattered.
With Florida Loss Review
Organize what exists and identify what still needs to be documented or reviewed.
Without a whole-loss review
04
The homeowner becomes responsible for coordinating every professional and decision.
With Florida Loss Review
Keep the people, information, and next steps connected.

The review is free. The decisions it helps protect may be worth far more.

Start My Free Damage Review

Property damage review

What kind of property problem are you facing?

Different losses require different evidence, professionals, and next steps. Florida Loss Review begins by understanding what is actually happening at the property.

Water and plumbing damage
Active leaks, supply-line or appliance failures, drain backups, and resulting interior damage.
Roof, wind, hail, and storm damage
Leaks, missing materials, wind or hail effects, and damage found after severe weather.
Fire, smoke, and contents damage
Building and contents damage, smoke contamination, temporary protection, and restoration needs.
Mold and moisture concerns
Persistent moisture, hidden water conditions, microbial growth, and unresolved sources.
Structural and building damage
Cracking, movement, impacts, compromised components, and conditions needing specialized evaluation.
Commercial property and business interruption
Building, equipment, or inventory damage, operating disruption, lost income, and additional expenses.

Start My Free Damage Review

How it works

One review. The right path for the property.

The correct response depends on the conditions, evidence, repair needs, coverage, timing, and practical economics.

STEP 01
Tell us what happened
Share the property, current conditions, claim stage, and available information.
Next:
STEP 02
Receive a same-day consultation
A real property-loss professional reviews the situation and identifies what appears urgent, remains unknown, or deserves further investigation.
Next:
STEP 03
Inspect and investigate when appropriate
FLR may coordinate field inspection, documentation, forensic weather research, policy or claim review, repair-scope evaluation, or assistance research depending on the loss.
Next:
STEP 04
Choose and coordinate the right path
The path may involve mitigation, direct repair, roofing, restoration, contracting, public adjusting, legal review, grants, financing, or no insurance claim at all.

Property owners remain free to select any contractor, professional, or provider.

Already filed a claim?

A claim can be open, denied, underpaid, or already paid and still leave important property and recovery questions unresolved.

Florida Loss Review can review the information already developed and help identify missing documentation, unresolved issues, and practical next steps.

Review My Existing Claim

Situations worth a closer review

Damage appears missing from the carrier estimate
A payment was issued without a clear breakdown
Repairs cannot be completed for the amount allowed
A denial relies on facts the property owner disputes
Additional damage was found after the original inspection
Business interruption or additional expenses were not fully documented
Repair-program or contractor requirements are unclear
The owner does not know what evidence is still needed

Independent Florida research

Going into a property loss alone can be the bigger risk.

A Florida legislative analysis of 76,321 Citizens claims found dramatically higher payments in several claim categories involving public-adjuster representation.

747% higher
Median payments for 2005 hurricane claims
574% higher
Estimated payments for non-catastrophe claims
76,321
Citizens claims analyzed

Property-loss outcomes are shaped by what is discovered, documented, substantiated, and pursued. Florida Loss Review helps owners recognize when a loss deserves deeper review or specialized representation.

Florida Legislature, OPPAGA Report No. 10-06. Claims filed from March 2008 through June 2009.

Results varied by claim category. The study was observational; claims involving public adjusters generally took longer to resolve, and reported payments were before public-adjuster fees. The findings do not establish that representation alone caused the differences.

Read the OPPAGA report

More ways Florida Loss Review can help

Look beyond the first repair or insurance decision.

After consultation, Florida Loss Review can research and organize additional context when it may help the property-specific path.

Forensic weather

Research events and dates that deserve investigation and compare them with discovery timing, physical evidence, photographs, inspections, permits, and prior repairs.

Weather activity alone does not establish causation or date of loss.

Assistance research

Research grants, rebates, tax incentives, hardening programs, disaster assistance, forgivable loans, financing, and other opportunities that may apply.

Availability, eligibility, funding, and benefits vary. No award is guaranteed.

PolicyAngel support

PolicyAngel supports property research, weather context, assistance research, organized records, and longer-term property documentation.

Experience behind the review

An experienced person helps connect the moving parts.

You do not have to sort through every repair, claim, and coordination question alone.

Ian Schuler

Florida Public Adjuster · License W679380

Affiliated with Horizon Public Adjusters

Approximately 10 years working in Florida property claims
Thousands of residential and commercial losses reviewed
Experience involving water, roofing, storms, fires, structural damage, commercial interruption, denials, and underpayments
Statewide field coordination

When additional field or professional work is appropriate, Florida Loss Review may help coordinate qualified providers. Their role and credentials will be explained before work begins.

Human review of each submitted situation
Field capabilities matched to the loss
Residential and commercial experience statewide

Start with a clearer picture

You do not have to figure out the loss alone.

Tell us what happened. Florida Loss Review will help you understand what deserves attention and which paths may be worth considering.

Start My Free Damage Review

Free same-day consultation. No claim is filed automatically. You remain free to choose any professional or path.

Property damage can become a second full-time job.

Start your free damage review

What is happening with the property?

The decisions made at the beginning can shape the entire recovery.

Citizens claims closed with no payment

Closed Milton homeowner claims with no payment

Paid through Florida’s contractor recovery fund

Less time

More policy variables

Less room to repair a weak file later

Different parties, different roles

You manage your life. We help manage the loss.

Protect the position

Preserve the options

Coordinate the recovery

The easiest repair to sell is not always the best solution for the property.

What a review can protect—and uncover.

A quick repair may address the symptom while missing the cause or surrounding damage.

Connect the visible damage with the property, evidence, repair questions, and available paths.

The first recommendation may become the only path before the alternatives are understood.

Consider repair, insurance, grants, contractor responsibility, financing, or other options before committing.

Photos, estimates, reports, weather information, and communications may remain scattered.

Organize what exists and identify what still needs to be documented or reviewed.

The homeowner becomes responsible for coordinating every professional and decision.

Keep the people, information, and next steps connected.

What kind of property problem are you facing?

Water and plumbing damage

Roof, wind, hail, and storm damage

Fire, smoke, and contents damage

Mold and moisture concerns

Structural and building damage

Commercial property and business interruption

One review. The right path for the property.

Tell us what happened

Receive a same-day consultation

Inspect and investigate when appropriate

Choose and coordinate the right path

A claim can be open, denied, underpaid, or already paid and still leave important property and recovery questions unresolved.

Going into a property loss alone can be the bigger risk.

Look beyond the first repair or insurance decision.

Forensic weather

Assistance research

PolicyAngel support

An experienced person helps connect the moving parts.

You do not have to figure out the loss alone.