Insurance Claims Experts

What Insurance Claims Experts does

Insurance Claims Experts is a privately held professional services firm headquartered in Miami, Florida, operating as a team of Florida-licensed public adjusters that represent policyholders in disputes and negotiations with insurance carriers. Founded and owned by licensed public adjuster Julio Pineda, the firm is staffed by six public adjusters and apprentices including Sandra Samuels (Team Manager), Robert Cruz, Robert Cruz Jr., Ivan Ufret, and Elyut Bernal. The company maintains offices in Miami, Broward County, and West Palm Beach, serving the South Florida region with willingness to travel beyond it for client claims. Service offerings span free claim analysis, claim consultation with on-site inspection, full claim filing assistance, and end-to-end public adjuster representation, alongside specialized claims handling for hurricane, flood, fire, water, mold, roof leak, lightning, theft and vandalism, hail and rain, and denied claim scenarios affecting both residential and commercial property owners.

The firm operates on a contingency-fee revenue model with no charges until settlement is completed, structurally aligning its incentive with the policyholder's recovery outcome. Pricing is not publicly disclosed, and initial consultations and inspections are provided at no cost and no obligation, functioning as the primary customer acquisition mechanism. Go-to-market is direct-to-consumer via phone (786-378-7105), website contact forms, and educational content marketing through an active blog covering claims process topics and damage types; there are no disclosed resellers, partnerships, or marketplace listings. The technology stack is standard web-based with no proprietary platform, AI, or automation disclosed. Revenue is not publicly reported, and there are no disclosed funding rounds, external investors, or institutional capital relationships.

The business has been operating since at least 2020 (per website copyright notice) and is privately owned with no subsidiaries or parent entities. Customer testimonials indicate engagement with individual homeowners facing flood, thunderstorm, property damage, and home insurance claims, with no enterprise or institutional customers referenced. The firm competes in a fragmented regional market for public adjusting services in Florida, a high-catastrophe environment where hurricane, flood, and wind events drive episodic demand for policyholder representation.

Name

Insurance Claims Experts

Legal name

Insurance Claims Experts

Website

https://insuranceclaimsexperts.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Insurance Claims Experts is a Miami-based team of six Florida-licensed public adjusters representing homeowners and commercial property owners in insurance claims across South Florida on a contingency-fee basis.

Ownership category

akta.pro rank

Product category

Public Insurance Adjusting Services

NAICS

Claims Adjusting (524291)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Claims Adjudication & Rules/Edits Configuration Support (BPAAAFAE)

akta.pro secondary industry

Business Interruption & Insurance Claim Valuation (FSAEAHAM)

Keywords

• Public insurance adjusting
• Property damage claims
• Policyholder claims representation
• Homeowners insurance claims
• Insurance claim recovery

Headquarters

HQ city

Miami

HQ country

United States

HQ region

North America

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Insurance Claims Representation Services: The company provides public adjusting services on a contingency/success fee basis. No fees are charged until the settlement is completed. This aligns the company's incentive with the policyholder's outcome. The specific percentage or fee structure is not publicly disclosed.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Insurance Claims Experts is a Florida-licensed public adjusting firm that represents policyholders (not insurance companies) in preparing, documenting, negotiating, and settling property damage insurance claims. The firm operates on a contingency-fee basis with no fees until settlement, offering free initial consultations and property inspections. Services span residential and commercial claims for hurricane, flood, fire, water, mold, roof leak, lightning, theft and vandalism, rain and hail, storm, tornado, wildfire, and denied-claim scenarios across South Florida.

Product overview

Insurance Claims Experts operates as a unified public adjusting service with a team of licensed Florida public adjusters. The core offering consists of four interconnected services: Free Claim Analysis (policy and damage review), Filing a Claim Service (complete claim submission support), Claim Consultation (on-site inspection and guidance), and Public Adjusting Services (representation throughout the settlement process). These are complemented by specialized damage-specific claim services including Hurricane Damage, Flood Damage, Fire Damage, Water Damage, Mold, Roof Leaks, Lightning, Theft & Vandalism, Rain/Hail, and Denied Claim appeals. The company serves homeowners and property managers throughout South Florida (Miami, Fort Lauderdale, West Palm Beach) and surrounding areas.

Differentiator

Problem solved

Functional benefit

Products and services

• Public Adjusting Services Licensed public adjuster representation of policyholders in negotiations with insurance companies to ensure maximum fair market recovery for residential and commercial property damage claims in South Florida.
• Free Claim Analysis Complimentary review of insurance coverage, realized damages and losses, and preparation of damage estimates at no cost to the policyholder.
• Filing a Claim Service Full-service claim filing assistance including requesting forms, documenting damages, submitting claims with a Letter of Representation, and coordinating inspections with insurance company adjusters.
• Claim Consultation Free consultation including property inspection, damage assessment, and expert guidance on policy coverage and documentation requirements for insurance claims.
• Hurricane Damage Claims Specialized claims handling for hurricane and tropical storm damage, including wind damage, water damage, and policy limitation analysis for South Florida properties.
• Flood Damage Claims Claims assistance for flood damage including documentation, flood proof of loss filing, and support through the flood insurance coverage process.
• Roof Leak Claims Claims filing assistance for roof leaks and roof damage covered under homeowners insurance policies, including identifying causes and assessing coverage eligibility.
• Fire Damage Claims Comprehensive fire damage claims handling covering fire damage, smoke damage, water damage from firefighting efforts, and mold remediation.
• Water Damage Claims Claims services for various water damage scenarios including plumbing issues, appliance leaks, AC leaks, and flood damage.
• Mold Insurance Claims Claims assistance for mold damage resulting from moisture-rich environments, leaks, flooding, or high humidity conditions.
• Theft & Vandalism Insurance Claims Claims filing support for theft and vandalism including police report documentation, inventory assessment, and property damage claims.
• Lightning Insurance Claims Claims handling for lightning strike damage including fire damage, electronics damage, wiring damage, and electrical surge-related property damage.
• Insurance Claim Denied Service Representation and appeal strategy for denied claims, examining denial letters and building cases for compensation recovery on behalf of policyholders.
• Rain or Hail Claims Claims services for water damage from rain and hail storms, including storm-caused roof damage and water intrusion scenarios.

Named customers4 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves2 records

Expansion highlights4 records

Direct peers

• The Coyle Group: Florida-based public adjusting firm that represents homeowners and commercial property owners on insurance claims. Closely comparable to Insurance Claims Experts in service offering, regional focus, and contingency pricing.
• Greenspan Adjusters International: One of the largest independent public adjusting firms in the US, founded in 1946. Represents policyholders on property claims across many states using a contingency fee model — directly comparable to Insurance Claims Experts in business model and customer type, but at much larger scale and broader geographic reach.
• Tandem Public Adjusters: South Florida public adjusting firm representing policyholders on residential and commercial claims. Direct competitor in the same geography with overlapping damage-type coverage (hurricane, flood, water, fire, mold).
• Hudson & Associates Public Adjusters: Regional public adjusting firm with Florida presence representing homeowners on residential property claims. Comparable service scope and contingency fee economics in overlapping markets.
• All Claims USA: Public adjusting firm handling residential and commercial property claims for policyholders. Overlapping service portfolio (hurricane, flood, fire, water, theft) and contingency fee structure make it a direct competitor.
• EA Claims (Equity Adjusters): Independent public adjusting firm serving Florida homeowners and businesses on insurance claims. Comparable service mix and contingency-based engagement model, with similar policyholder-representation positioning.

Broad incumbents

• Crawford & Company: One of the world's largest independent claims management firms, handling property, casualty, and catastrophe claims primarily for insurance carriers. While it serves the insurer side rather than policyholders, it operates in the same claims-adjustment space and competes for adjuster talent and capacity.
• Sedgwick: Global claims management and loss adjusting firm serving insurers, employers, and policyholders on property and casualty claims. Broad incumbent in claims adjusting, providing context for the scale and capability gaps versus small public adjusting boutiques.

Regional players

• Pilot Catastrophe Services: Independent catastrophe and daily claims adjusting firm primarily serving insurance carriers across the southeastern US. Adjacent to public adjusting — works the same loss events but on the carrier side — and represents the broader competitor pool for adjuster capacity in Florida.

Emerging players

• Kite Group: Florida-focused claims services firm offering public adjusting and policyholder advocacy for residential and commercial claims. Smaller-scale emerging player with similar service focus and customer base in the Florida market.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/insurance-claims-experts-corp.

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Insurance Claims Experts