Florida Claims Advisors

What Florida Claims Advisors does

Florida Claims Advisors Inc. (FCA) is a Florida-incorporated private holding operating as a licensed public insurance adjuster firm under Florida DFS License #W018988. Founded in 2009 and headquartered in Miami, the company provides contingency-based claims representation for residential and commercial property owners across the entire state of Florida, with separate contact lines for South Florida and Central/North Florida and 24/7 availability. Its core service is acting as a licensed intermediary between policyholders and insurance carriers to maximize settlements on covered perils — hurricane, wind, flood, sinkhole, fire, smoke, water leaks (AC, roof, pipe), mold, lightning, hail, vandalism, theft, and denied or underpaid claims — from initial free inspection through final negotiation. The company employs a proprietary "13 Strategic Points" inspection and policy analysis methodology, operates with no external capital (no funding rounds, no PE/VC, no M&A), and is staffed by 1–10 employees per firmographic data. Bilingual English/Spanish support and dedicated outreach to military, veteran, and first-responder communities are explicit positioning choices in a Florida-centric, Hispanic-demographic-heavy market.

The business model is straightforwardly contingent: FCA charges no upfront fees and is compensated only when the policyholder receives a recovery from the insurer, with fee percentages set by Florida DFS regulation (approximately 3% on large claims up to 30% on small claims). Marketing is conducted through a content-marketing blog, organic social (Facebook, Instagram, YouTube), client testimonials, and community outreach to veterans and first responders. Distribution is direct-only via phone, website form, and on-site inspections — no intermediaries, resellers, or partner channels. The firm has cumulatively served more than 3,000 families in South Florida since 2009, generates no disclosed revenue, holds no patents, has no recognized awards, and operates as an independent, founder-owned entity with no parent company and no subsidiaries. Customer concentration is structurally low because each claim is a one-off, distributed engagement; revenue is event-driven and lumpy, with significant exposure to Florida catastrophe cycles.

Name

Florida Claims Advisors

Legal name

Florida Claims Advisors Inc.

Website

https://floridaclaimsadvisors.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

1–10 employees

Short description

Florida Claims Advisors is a licensed Florida public insurance adjuster firm (est. 2009) that provides contingency-based claims representation for residential and commercial property damage across the entire state, serving policyholders dealing with hurricanes, water, fire, mold, and denied claims.

Ownership category

akta.pro rank

Product category

Public Insurance Adjusting Services

NAICS

Claims Adjusting (524291), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAJACAA

Homeowners Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Property Insurance (Homeowners, Renters & Commercial Property)

Keywords

• Public insurance adjusting
• Insurance claim representation
• Property damage claims
• Claim negotiation services
• Contingency fee adjuster

Headquarters

HQ city

Miramar Beach

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Contingency-Based Public Adjuster Services: Public insurance adjuster services where fees are calculated as a percentage of the amount recovered from the insurance company. The company only gets compensated if the client receives compensation from their insurance company. Percentages are regulated by the Florida Department of Financial Services, ranging from approximately 3% to 30% depending on claim size.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Florida Claims Advisors is a licensed public insurance adjusting firm that represents Florida homeowners and business owners in negotiating and settling property damage insurance claims against insurance carriers. Services cover damage types including hurricane, wind, flood, sinkhole, fire, smoke, water leaks (AC, roof, pipes), mold, lightning, hail, vandalism, theft, and denied claims. The firm operates on a contingency fee basis, only being compensated when the client receives an insurance payout.

Product overview

Florida Claims Advisors is a single-product service company providing licensed public adjusting services for homeowners and business owners in Florida. The company offers a unified service offering focused on insurance claim representation, handling various types of property damage claims including water damage (from AC leaks, roof leaks, and pipe leaks), fire damage, hurricane damage, wind and flood damage, sinkholes, mold, smoke, lightning, hail, vandalism, theft, and denied claims. The service is delivered through a claims process that includes free inspection, policy analysis using 13 strategic points, negotiation with insurance companies, and representation from start to finish. The company operates on a contingency basis, collecting payment only when claims are successfully resolved.

Differentiator

Problem solved

Functional benefit

Products and services

• Water Damage from Air Conditioner Leaks Claim Representation Inspection, humidity testing, and insurance claim representation for water damage caused by air conditioner leaks, including damage to floors, walls, baseboards, and potential mold issues, for Florida homeowners and businesses.
• Roof Water Damage Claim Representation Assessment and insurance claim filing for ceiling leaks, stains, and cracks indicating roof or ceiling problems, with focus on Florida properties over 15 years old.
• Fire Damage Claim Representation Insurance claim services for fire damage including electrical fires and grease fires, covering damage to homes and businesses in Florida.
• Wind, Sinkholes, and Flood Damage Claim Representation Public adjuster representation for wind storm damage, sinkhole damage caused by water erosion, and flood damage to Florida residential and commercial properties.
• Hurricane Damage Claim Representation Insurance claim handling for hurricane damage in Florida including strong winds, rains, and floods, with up to 3 years to file claims in Florida.
• Vandalism and Theft Damage Claim Representation Claims representation for property damage caused by vandalism and theft in Florida, including broken windows, graffiti, and stolen items like air conditioning compressors.
• Denied Claims Reopening and Representation Reopening and fighting previously denied Florida insurance claims to secure fair compensation for policyholders who were initially turned down by their insurer.
• Smoke Damage Claim Representation Insurance claim services for smoke damage affecting walls, furniture, and decoration in areas where fire did not reach directly, for Florida properties.
• Mold Damage Claim Representation Humidity testing and insurance claims representation for mold damage caused by broken pipes, leaks, humidity, or defective air conditioning in Florida properties.
• Lightning Damage Claim Representation Insurance claims representation for Florida properties damaged by lightning strikes, with Florida averaging over one million lightning strikes per year.
• Hail Damage Claim Representation Public adjuster claims handling for hail damage in Florida including broken windows, air conditioner damage, exterior wall dents, and roof damage.
• Water Pipe Leak Damage Claim Representation Inspection and insurance claim representation for hidden water pipe damage in Florida walls, ceilings, toilet tanks, bathtub walls, and dishwashers that can cause flooding and mold.

Quantifiable outcome

• More than 3,000 families helped in Florida since 2009
• +1 more outcomes

Named customers8 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators3 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Adjusters International: National public adjusting and disaster recovery firm with deep experience representing policyholders against insurers. Directly comparable to Florida Claims Advisors in core service (insurance claim representation for property damage), but operates across many states and loss types versus FCA's Florida-only focus.

Direct peers

• Globe Public Adjusters: Public adjusting firm handling residential and commercial property insurance claims on contingency. Comparable to Florida Claims Advisors in business model and homeowner/SMB target customer, though serving multiple Northeast and Mid-Atlantic states.
• Aspen Public Adjusters: Multi-state public adjusting firm handling residential and commercial property claims on a contingency basis. Closely comparable to Florida Claims Advisors in service mix, contingency pricing model, and SMB/residential target segment.
• The Greenspan Company: Established public adjusting firm representing homeowners and businesses on property insurance claims, including fire, water, and storm damage. Closely comparable business model and target customer to Florida Claims Advisors, though Greenspan operates primarily in California.
• Premier Public Adjusters: Property insurance claim representation firm serving residential and commercial clients, including storm, fire, and water damage claims. Direct peer in service offering, customer type, and contingency-fee structure to Florida Claims Advisors.
• AllCity Adjusting: Public adjusting firm focused on residential and commercial property damage claims across multiple states. Similar contingency-based pricing and service breadth (water, fire, storm) to Florida Claims Advisors.
• Integrity Public Adjusters: Public adjusting firm representing property owners in denied and underpaid claims, with focus on hurricane and storm damage. Comparable to FCA on contingency-based fee model and policyholder advocacy positioning.
• Property Damage Adjusters (PDA): National public adjusting network representing policyholders on property insurance claims. Comparable to FCA in core service (claims negotiation against carriers) but with broader geographic reach and an independent-adjuster affiliate model.
• Citizens Public Adjusters (Glen Allen, VA): Mid-Atlantic public adjusting firm representing residential and commercial policyholders on property claims. Direct peer in service offering (property damage claim negotiation) with similar contingency-fee structure, though operating in a different catastrophe-prone region than FCA.

Regional players

• Hudson Public Adjusters: Regional public adjuster serving Florida and Southeast property owners on hurricane, water, and fire claims. Directly comparable service line and Florida geography to Florida Claims Advisors, with overlap in residential hurricane-damage claims.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCj4EZztcWrc8DWWGzfV8ZSw
• Facebookfacebook.com/FloridaClaimsAdvisors
• Instagraminstagram.com/floridaclaimsadvisors
• Xx.com/ClaimsFlorida

Revenue estimate

Valuation estimate

Number of profiles

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 Florida Claims Advisors