Palm Bay Public Adjuster: Space Coast Claims Need Full Scopes

As educational orientation — not legal advice — Florida property policies commonly expect notice of a new or reopened claim within about one year of the date of loss, and many supplemental claims face an 18-month window. Exact deadlines depend on your policy language, claim type, and facts. If you are unsure whether your Palm Bay file is still open, bring the policy and carrier letters to a free review at (239) 444-8101.

Florida law caps public adjuster contingency fees in most property claims at 20% of the amount paid by the insurer under the policy. For claims arising from a declared state of emergency, a lower 10% cap typically applies for one year after the declaration. Ask for fees and services in writing before you sign — a free review does not create a fee.

Often yes. Master-policy repairs may cover common elements while your unit interior or improvements still sit on an HO-6 or homeowners form. We help sort association vs. unit documentation.

Yes, when the loss is a covered property claim. Bring the policy (including any landlord or short-term-rental endorsements), occupancy or rental calendar proof, photos, and carrier letters. Business-income or loss-of-rents questions depend on the forms — we review what the documents support.

Underpaid and partially paid claims are a core part of our work. Bring the estimate, payment breakdown, denial or partial-payment letter, photos, and policy. A review does not guarantee an additional check.