Public Adjusters for Flood Damage Claims in Florida

Living in Florida, the risk of flooding is a constant concern for homeowners. When disaster strikes, dealing with the aftermath and the insurance claim process can be overwhelming. That's where Fraser Property & Adjusting comes in. As experienced Public Adjusters specializing in flood damage claims, we're here to help homeowners navigate the complex world of insurance. Furthermore, we ensure our clients receive the maximum compensation they deserve. Find out the importance of hiring a public adjuster for flood damage claims in Florida and how Fraser Property & Adjusting can assist you in this challenging time.

Steps to Take After a Flood Hits Your Property 

If your home has been affected by flood damage, FPA is here to help you file a flood damage claim. Our team of experienced flood damage claim adjusters understands homeowners’ challenges when dealing with insurance companies and the complex nature of flood damage claims. We will work closely with you to assess the extent of the damage, document the losses, and negotiate with your insurance provider to ensure you receive a fair and timely settlement. Our expertise in flood damage claims allows us to accurately estimate the cost of repairs and advocate for your rights as a homeowner. Don’t navigate the claims process alone – let Fraser Property & Adjusting be your trusted partner in recovering from flood damage and securing the compensation you deserve.

Our Experience and Expertise in Handling Flood Claims 

At Fraser Property & Adjusting, we have extensive experience and expertise in handling flood damage claims. Our team of dedicated flood claim adjusters understands the unique challenges homeowners face when dealing with the aftermath of a flood. We have worked with numerous homeowners to assess the extent of damage, negotiate with insurance companies, and ensure that our clients receive the maximum compensation they are entitled to. With our in-depth knowledge of insurance policies and the claims process, we can guide homeowners through every step of the claim, making it as smooth and stress-free as possible. Whether documenting the damage, preparing the necessary paperwork, or advocating for our clients, we are committed to providing personalized and professional service. Trust Fraser Property & Adjusting will handle your flood damage claim with care and expertise.

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Our Commitment to Customer Satisfaction and Fair Compensation

Flood Damage Claim
Flood Damage Claim: Room Damaged by flood

At Fraser Property & Adjusting, we understand homeowners’ frustration and stress when dealing with flood damage. Our commitment to customer satisfaction and fair compensation sets us apart as trusted flood damage claim adjusters. We prioritize your needs and strive to provide a seamless claims process from start to finish. Our team of experienced adjusters will thoroughly assess the extent of the damage and work diligently to ensure that you receive the compensation you deserve. We believe in transparency and open communication, keeping you informed every step of the way. Our goal is to alleviate the burden on homeowners and help you restore your property to its pre-loss condition—Trust Fraser Property & Adjusting to handle your flood damage claim with professionalism, empathy, and expertise.

Common Claim Types

We handle all types of insurance claims



We assist homeowners overwhelmed by the number of claims during hurricanes, such as wind Damage Claims or tornado damage claims. This ensures that you have someone dedicated to your needs.

The State of Florida is regularly exposed to hurricane incidents, so hurricane insurance is always necessary. With Fraser Public Adjusters, you can have the best team advocating for you, so you get paid exactly what you deserve.



Water claims are the most common kind of daily claim but can often get overlooked.

Many homeowners are unaware of their water and pipe damage coverage, and assume that storm damage or flood damage is minimal or not worth claiming. At Fraser Property and Public Adjusting, your public adjuster will assess the roof damage, review your policy, and let you know your damage claims. Why should you pay for the damage with out-of-pocket money when your insurance policy covers water issues?



Fire damage can be the most devastating of all damage, typically coming as a complete surprise and leaving the homeowner completely helpless; sometimes even homeless and without basic necessities like clothing.

The claim process and the Florida Laws and statutes typically provide you with all the coverage you need. While you piece your life together and build up emotional support for you and your family, we provide you with peace of mind.

You don’t have to take care of any dealing with your insurance company because we handle the whole process for the property damage.



Your home just got vandalized and you’re probably not in the mood to deal with your insurance company. Make sure to file a police report and contact Fraser Property and Adjusting right away. Your Public Adjuster will do all the work for you and take that additional stress off your back.


Following hurricanes, tornadoes, or other windstorms, the most vulnerable and consequential damage is those to the roof. The roof repair is typically the costliest and damages your sheathing, causes interior leaks on your ceiling and walls, and may damage flooring as well.

Insurance companies may try to minimize your damage or simply miss some of the damaged areas. Your Public Adjuster will work to include all of the rights you are entitled to so your roof is repaired fully and your home is protected.



Flood damage is common in Florida because our state is prone to hurricanes and heavy storms. Unfortunately, flood damage and flood claims have a unique process since they are typically not covered by your standard Homeowner’s Insurance Policy.

The rules and regulations are different but your public adjuster at Fraser Property and Adjusting will be there for you to determine when and how to file your claim, and how to appeal if necessary.



Do you know that mold builds up after only 24 to 48 hours of flood? Mold damage can be the worst health-related damage to a variety of claims, from flood damage to windstorms and water damage. Mold is a typical outcome in Florida following any of these, due to the heat and humidity.

Your public adjuster at Fraser Property and Adjusting will know just how to compensate you for your damage and bring your home back to a healthy environment.



As a business owner, your insurance policy covers more than just paying for the repairs of your building structure. It covers the loss of business income resulting from the damage created.

The process is more complex than your average homeowner’s claim, and you’ll need the expertise of a Public Adjuster who specializes in commercial claims. At Fraser Property and Adjusting, we have the Florida Public Adjusters you need.

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What is a Public Adjuster and How Can They Help You with Flood Damage Claims?

David Messeri Public Adjuster
David Messeri Public Adjuster License #: W602412 Fraser Property & Adjusting

When filing a flood damage claim, homeowners may be overwhelmed by the complex process and negotiations with insurance companies. Hiring a public adjuster, like Fraser Property & Adjusting, can provide numerous benefits. First and foremost, a public adjuster works on behalf of the homeowner, not the insurance company, ensuring that their best interests are represented throughout the claims process. They have extensive knowledge and experience in assessing flood damage, estimating the cost of repairs, and negotiating with insurance companies for fair settlements. Additionally, public adjusters can save homeowners time and stress by handling all the paperwork, documentation, and communication with the insurance company on their behalf. This allows homeowners to focus on recovering and rebuilding their lives after the flood. Hiring a public adjuster can significantly increase the chances of a successful and satisfactory flood damage claim settlement for homeowners.

The Benefits of Hiring a Public Adjuster for a Flood Claim

Dealing with the aftermath of a flood can be overwhelming for homeowners. That’s where a public adjuster comes in to help navigate the complex process of filing a flood damage claim. The first step is to contact a reputable public adjusting firm like Fraser Property & Adjusting. They will assign a dedicated adjuster who will assess the extent of the damage and gather all necessary documentation, such as photographs and repair estimates.

The Process of Working with a Public Adjuster for a Flood Claim

The adjuster will then work closely with the homeowner to create a detailed inventory of all damaged items and calculate the total cost of repairs. Once the claim is submitted to the insurance company, the public adjuster will negotiate on behalf of the homeowner to ensure a fair settlement. Throughout the process, the adjuster will provide guidance and support, answering any homeowner’s questions and advocating for their best interests. Working with a public adjuster can alleviate the stress of dealing with a flood claim and increase the chances of receiving a fair and timely settlement.

We Have Helped Our Clients Recover Millions

At Fraser Property & Adjusting, we take pride in our ability to help homeowners recover millions of dollars in settlements for flood damage claims. Our team of experienced adjusters understands the complexities of navigating insurance policies and ensuring our clients receive fair compensation for their losses. We have a proven track record of success, working diligently to document and assess the full extent of the damage and negotiating.

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With insurance companies and advocating for our client’s best interests. Whether it’s property damage, structural repairs, or personal belongings, we have the expertise to handle all aspects of your flood damage claim. Trust Fraser Property & Adjusting to fight for your rights and maximize your settlement so you can focus on rebuilding and moving forward.

Based on 68 reviews
Jakelin Edmondson
Jakelin Edmondson
I am grateful to this company, highly recommended. Abraham thank you for everything you did for us, you are a blessing.
Elizabeth Samuels
Elizabeth Samuels
Parking was great.
Eli Bloom
Eli Bloom
Claudin Fils Aime
Claudin Fils Aime
Keertee Maharaj
Keertee Maharaj
I want to especially thank Abraham and his team for helping me with my claim. He went above and beyond to make this process as seamless as possible. The claim was settled and we received sufficient funds for our home repair. I strongly recommend Fraser Property & Adjusting Inc. Thanks again for all your help.
Eris Neal
Eris Neal
The quality of work Fraser property provides is excellent. They are very attentive and make sure every homeowner is satisfied. I had the pleaser of talking with David M, he is very personable, strategic and experienced . Meeting with him for a short while it was made known he wants the best for his clients.
Lady Elizabeth Amari- Brady
Lady Elizabeth Amari- Brady
Excellent customer service. People who are trustworthy. Very smart and professional people. I would recommend them 1,000 times over....*****five 🌟 ⭐ stars 🌟 ✨ 💛 💖
Herb Lecounte
Herb Lecounte
Lauretta Deas
Lauretta Deas

How Fraser Property & Adjusting Can Help You with Your Flood Damage Claim 

When it comes to preparing for and recovering from a flood, homeowners can take several necessary steps to minimize damage and ensure a smoother recovery process. First and foremost, it is crucial to have flood insurance in place to protect your property and belongings. Additionally, creating a detailed inventory of your possessions and keeping essential documents safe and waterproof will help with the claims process. Before a flood, it is necessary to elevate any valuable items or machinery and consider installing flood-resistant barriers or seals for doors and windows.

How to Prepare for And Recover from a Flood

In the event of a flood, it is essential to prioritize your safety and evacuate if necessary. After the flood, document any damage by taking photographs and contacting a reputable flood damage claim adjuster, such as Fraser Property & Adjusting, to assess the extent of the damage and assist with the claims process. It is also essential to thoroughly dry out your home to prevent mold growth and sanitize surfaces to ensure a safe living environment. These proactive steps can help homeowners navigate the flooding challenges and recover more effectively.

Tips for Protecting Your Property Before a Flood Strikes

When it comes to protecting your property from flood damage, preparation is critical. Here are some tips to help you safeguard your home before a flood strikes:

1. Install flood-resistant barriers: Consider installing barriers such as sandbags or floodgates around vulnerable areas of your property, such as doors and windows. These barriers can help prevent water from entering your home.

2. Elevate valuable items: Raise your furniture, appliances, and belongings off the ground to minimize potential damage. Use sturdy shelves or platforms to elevate them above flood level.

3. Clear gutters and drains: Ensure that your gutters and drains are clear of debris to allow for proper water flow. This will help prevent water from pooling around your property and potentially seeping into your home.

4. Seal cracks and gaps: Inspect the exterior of your property for any cracks or gaps that could allow water to seep in. Seal them with a waterproof sealant or caulking to create a barrier against water intrusion.

5. Create a flood emergency kit: Put together a kit that includes essential items such as a flashlight, batteries, first aid supplies, non-perishable food, and drinking water. Keep this kit easily accessible in case of an emergency.

Remember, if a flood does occur, prioritize your safety and follow evacuation orders if necessary. If your property does sustain flood damage, contact Fraser Property & Adjusting for expert assistance with your flood damage claim.

Experiencing a flood can be a devastating and overwhelming event for homeowners. It’s important to know what steps to take to ensure a smooth and successful flood damage claim process. The first step is to prioritize your safety and your family’s safety. If it is safe, turn off your property’s electricity and gas supply. Take photos or videos of the damage before starting any cleanup or repairs. Next, contact your insurance company and inform them about the flood damage. They will guide you through the claim process and provide instructions on documenting the damage and filing a claim.

It’s crucial to keep records of all communication with your insurance company. Those include dates, times, and names of representatives you spoke with. Make temporary repairs to prevent further damage, but keep all receipts and documentation for these repairs. Lastly, hiring a professional flood damage Public Insurance Claim Adjuster is recommended. At Fraser Property & Adjusting, we can help assess the extent of the damage, negotiate with the insurance company, and ensure you receive a fair settlement for your claim.

When filing a flood claim, homeowners need to avoid common mistakes that can potentially delay or reduce their insurance payout. One common mistake is failing to document the damage properly. Taking detailed photographs and videos of the affected areas is crucial before beginning any cleanup or repairs. Another mistake is not reporting the damage promptly. It’s essential to notify your insurance company immediately after the flood occurs to initiate the claims process. Additionally, homeowners should avoid throwing away damaged items without proper documentation and approval from the insurance company. Keeping a detailed inventory of damaged belongings and providing receipts or proof of purchase will help ensure a fair settlement.

Lastly, homeowners should avoid handling the claim process independently, as it can be complex and overwhelming. Engaging the services of a professional flood damage claim adjuster, like Fraser Property & Adjusting, is critical. It can help navigate the intricacies of the process and maximize the insurance payout.

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South Florida Public Adjusters

Fraser Property & Adjusting Inc. is a leader in the Insurance Claims Industry and has satisfactorily recovered thousands of claims for Home and Business owners and HOAs. We strive to provide unparalleled service for our clients by addressing their needs.


The types of damage to property that can occur during a hurricane in Florida varies. Most commonly, flying debris can break windows, walls and roofs and water infiltrating into a property. Moreover, wind can penetrate a home, and in turn, generate pressure that causes the roof to rip off. It is this scale and severity of hurricane damage that makes people glad they’re insured.

Being insured for hurricane damage is only a partial aspect of the recovery process when dealing with large scale natural disasters. Recovery begins when you file a hurricane damage claim.

The first step to getting you paid the maximum amount for your claim is to contact us at 305-614-2851 and we will personally handle your claim in any Florida county.

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Phone: (305)-614-2851
Address: 16375 NE 18th Avenue
Suite #201,
North Miami Beach,
FL 33162

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Flood Damage Claims FAQs

As public adjusters for flood damage claims, we understand that homeowners have many questions regarding flood damage claims. Here are some frequently asked questions and their answers:

What should I do immediately after a flood?

After ensuring your safety and your family’s safety, document the damage by taking photos or videos. It is also important to contact your insurance company as soon as possible to report the damage and start the claims process.

Will my insurance cover flood damage?

Standard homeowners’ insurance policies usually do not cover flood damage. However, you may have a separate flood insurance policy that covers such events. It’s important to review your policy or contact your insurance agent to understand the extent of your coverage.

How long does the claims process take?

The claims process can vary depending on the extent of the damage and the complexity of the claim. It typically involves assessing the damage, documenting the losses, and negotiating a settlement. It’s best to consult a flood damage claim adjuster who can guide you through the process and help expedite your claim.

How can a flood damage claim adjuster help me?

A flood damage claim adjuster can assist you in evaluating the damage, preparing and documenting your claim, and negotiating with the insurance company on your behalf. They have the expertise and knowledge to ensure you receive a fair and equitable settlement for your losses.

What if my insurance claim is denied?

If your claim is denied, you can appeal the decision. A flood damage claim adjuster can help you navigate the appeals process and provide the necessary documentation and evidence to support your claim.

Remember, every situation is unique, and it’s best to consult with a professional flood damage claim adjuster who can provide personalized guidance and support throughout the claims process.

Will my insurance cover all the damage caused by a hurricane?

The extent of coverage will depend on your specific insurance policy and the damage to your property. Most standard homeowner’s insurance policies cover Hurricanes and Windstorms unless you signed a specific exclusion or that is supposed to be provided by an additional carrier. However, flood damage typically requires a separate flood insurance policy, many are federally mandated. Many Homeowners are unfamiliar with policy language, so feel free to ask us any questions regarding your policy provisions as well as the claims process. Remember knowledge is king, and we’re here to educate.

How long do I have to file a hurricane damage claim?

The time limit to file a hurricane damage claim will vary depending on Legal Statutes, and possibly your policy. Laws change fairly frequently, and statutes need to be clarified to see when they’re effective. It is recommended to file the claim as soon as possible after the hurricane to ensure a timely response. Delays in filing a claim may result in complications or potential denial of coverage.

Should I hire a public adjuster for my hurricane damage claim?

Hiring a public adjuster like Fraser Property and Adjusting reduces the time and stress, and allows you the expertise necessary to settle your claim and ensure you receive a fair settlement. Moreover, if you’ve already been denied or underpaid, we can reopen or supplement your claim; as well as speed, up the process.

What documents and evidence should I gather for my hurricane damage claim?

To support your claim, gather as much documentation as possible. This includes photographs and videos of the damage, receipts for any temporary repairs, estimates for repairs or replacements, and any other relevant documentation such as insurance policies and correspondence with your insurance company. If you have prior photos and inspections, these may also be helpful as a comparison.

Remember, every insurance claim is unique, and it is important to consult with a professional to understand your specific situation and options. If you have any further questions or concerns, don’t hesitate to reach out to our team at FRASER PROPERTY & ADJUSTING for expert advice and assistance with your hurricane damage claim.

Put Fraser Property & Adjusting In Your Contacts Now!

damage caused by a hurricane

If your home has been affected by flood damage, FPA is here to help you navigate the process of filing a flood damage claim. Our team of experienced flood damage claim adjusters understands the challenges homeowners face when dealing with insurance companies and the complex nature of flood damage claims. We will work closely with you to assess the extent of the damage, document the losses, and negotiate with your insurance provider to ensure you receive a fair and timely settlement. Our expertise in flood damage claims allows us to accurately estimate the cost of repairs and advocate for your rights as a homeowner.

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