We Fight For Every Dollar

Florida storms are relentless — and so are we. Insurance companies routinely undervalue storm damage by overlooking hidden structural damage, improper repairs, and long-term deterioration. We document every inch of damage and fight for full replacement value.

• Complete damage documentation and assessment
• Roof, siding, windows, and structural damage
• Hidden damage inspection and reporting
• Negotiation for full replacement cost

Hurricane claims are the most complex and highest-value claims in Florida. We know every tactic insurance companies use to underpay — and we counter every one. From initial filing to final settlement, we handle it all.

• Full property damage assessment post-hurricane
• Wind vs. flood damage documentation
• Business interruption and additional living expenses
• Appeals for denied or underpaid hurricane claims

Water damage is one of the most routinely underpaid claim types. Insurers often dispute the source, scope, or extent of damage. We bring in the documentation and expertise to prove your case and maximize your settlement.

• Source and cause documentation
• Mold and secondary damage assessment
• Scope of loss reports and estimates
• Dispute resolution for denied water claims

Fire and smoke damage claims are among the most complex in the industry. Smoke damage extends far beyond visible burn areas, and insurance companies often miss it. We ensure every affected area is documented and compensated.

• Fire, smoke, and soot damage assessment
• Contents inventory and valuation
• Additional living expenses during repairs
• Full replacement cost negotiation

If your claim was denied or you received a settlement far below what you expected, don't accept it. We specialize in reversing denials and dramatically increasing underpaid settlements through expert documentation and aggressive negotiation.

• Claim denial review and appeal strategy
• Independent damage re-assessment
• Policy coverage analysis and dispute
• Litigation support if necessary

Oscar holds Florida Mold Remediator License #MRSA3319 and Mold Assessor License #MRSR3485 — giving him unique expertise to document and fight mold and pipe leak claims that insurers routinely deny or underpay.

• Licensed mold assessment and remediation expertise
• Pipe leak source and damage documentation
• Secondary damage and health risk reporting
• Dispute resolution for denied mold claims

Commercial property damage means lost revenue, displaced employees, and business interruption. We fight for full compensation covering property damage, business income loss, and all covered expenses under your commercial policy.

• Commercial property damage assessment
• Business interruption income calculation
• Equipment and inventory valuation
• Multi-location and large loss claims