Florida • Large property insurance claims

Florida public adjusters for commercial and large property losses

A major property loss requires more than a repair estimate. ICRS helps policyholders organize the evidence, define the documented repair scope and pursue their property insurance claim after fire, wind, hail or water damage.

Support for commercial properties, apartments, condominium associations, HOAs, churches, schools and high-value custom homes.

Storm-damaged condominium roofs protected with blue tarps

Claims of $250,000+ after deductible: full public-adjusting representation for qualifying property losses.

Claims under $250,000: Claim Navigator provides paid strategic guidance, with the option for full representation when appropriate.

Discuss a large property claim

Find your Florida region

Choose a regional guide for property-specific documentation steps and claim questions. These service areas describe claim support; they do not identify separate local offices or promise inspection timing.

Pensacola & Northwest Florida
Pensacola, Gulf Breeze, Milton, Navarre and nearby Escambia and Santa Rosa communities Emerald Coast & Panama City
Destin, Fort Walton Beach, Miramar Beach, the 30A communities, Panama City and Panama City Beach Tampa Bay & Sarasota
Tampa, St. Petersburg, Clearwater, Brandon, Bradenton, Sarasota and nearby communities Orlando & Central Florida
Orlando, Kissimmee, Sanford, Winter Park, Clermont and surrounding Central Florida communities Miami, Fort Lauderdale & South Florida
Miami, Miami Beach, Hollywood, Fort Lauderdale, Pompano Beach, Boca Raton and the West Palm Beach area Jacksonville & Northeast Florida
Jacksonville, Jacksonville Beach, Orange Park, St. Augustine, Fernandina Beach and nearby Northeast Florida communities Fort Myers, Naples & Southwest Florida
Fort Myers, Cape Coral, Bonita Springs, Estero, Naples and surrounding Southwest Florida communities

Start with the insured property and the actual policy

Commercial and institutional property

Identify building damage, equipment, tenant responsibilities and documented operating impacts. Churches and schools should include shared systems and temporary-use expenses in their records.

Multifamily and associations

Track affected buildings, units and common property separately. Confirm the named insured, board or owner authority, and which repairs belong to the association or individual unit owners.

High-value custom homes

Document specialty materials, built-in equipment and custom finishes with photographs, specifications and suitable repair estimates. Keep emergency protection and permanent repairs separately itemized.

Wind, water and fire require specific evidence

Describe the observed damage, event timeline and affected locations rather than assuming a cause or coverage. Wind-driven rain, rising water, plumbing losses, smoke and heat may raise different policy questions. Keep all potentially relevant policies and endorsements available for review.

For a property with prior repairs or an earlier claim, keep the old and new records separate. That distinction helps explain the current damage without treating maintenance issues or earlier work as part of a new loss.

Florida Insurance Consumer Advocate resources provide public information about insurance claims. Specific policy duties, deadlines, deductibles and coverage must be reviewed against your own documents.

Documented claim experience

Review a published ICRS apartment wind-claim example and a published apartment fire-claim example to see how claim documentation is presented. These are separate examples, not claims of a Florida result; prior outcomes do not predict another claim.

Prepare for a useful claim review

Gather the policy, endorsements, deductible information and carrier claim number.
Organize dated damage photographs, inspection reports, estimates and mitigation invoices.
Identify the named insured and the person authorized to make claim decisions.
Share the carrier’s estimate, payment explanation and outstanding questions.

ICRS provides paid public adjusting services. Consultation and contingency representation fees depend on the service and written agreement. Coverage, representation and any recovery depend on the policy and facts of loss.

Request a property claim review

Explore paid Claim Navigator guidance for claims under $250,000

Updated October 19, 2026. ICRS exclusively represents policyholders.