Storm damage doesn’t wait.
Neither should your contractor.

Almost always, yes. The first carrier estimate is a starting point. Once demolition begins, hidden damage gets exposed and code-required upgrades come into scope — neither of which the initial walk catches. Our role is to write a complete Xactimate scope, document supplements as they’re discovered, and rebuild the property to current code. You’re not getting around the carrier; you’re giving them a scope they can fund.

No. We’re a CBC-licensed Florida general contractor. A public adjuster represents you in the claim itself and takes a percentage of the settlement. We work the construction side — assessment, estimating in Xactimate, supplements based on field conditions, and the rebuild. Some owners use both. Many use only us. Either path is fine; we’ll tell you straight which makes sense for your situation.

Xactimate is the estimating platform most carriers use to price losses. When we write your scope in Xactimate using your zip code’s current pricing, your adjuster can ingest the line items directly into their system. That removes the most common reason claims get under-paid: translation losses between a generic contractor estimate and the carrier’s software.

Same day or next day for emergency mitigation within our SWFL service area (Englewood, Venice, North Port, Port Charlotte, Punta Gorda, Sarasota). After major events, response times stretch — but we triage by severity and exposure to further damage, not by who called first.

No, and this trips up most first-time claimants. ACV (actual cash value) is the depreciated value of what was damaged. RCV (replacement cost value) is what it actually costs to put the property back. Most policies pay ACV up front and release the depreciation only after work is completed and documented. We walk you through this on the first visit — see our /insurance-claim-process/ pillar page for the full breakdown.

Both, and we have a heavier track record on commercial than residential. Documented hospitality storm restoration exceeds $15M across Crowne Plaza Houston, Casa Marina Key West, Best Western Maingate, Quality Inn Key West, Ramada Inn East Gate, and Tuscana Resort. We also handle retail centers, offices, condos, and single-family.

We can still help. A documented re-inspection with photos, line-item damages, and an Xactimate scope is usually what a carrier needs to reopen a file. If they still won’t pay what the work costs, that’s when a public adjuster or attorney enters — but you’ll have the construction documentation either way.

Verify the Florida CBC license number at myfloridalicense.com before you sign anything. Refuse to sign an Assignment of Benefits unless your attorney has reviewed it. Don’t pay full deposits up front. Get the scope in writing. We cover the full red-flag list on /insurance-claim-process/.