FREE DAMAGE CLAIM CONSULTATION!

Expert Assistance for Your Insurance Damage Claim Needs

As Public Adjusters, our #1 goal is to ensure that you recover the largest settlement available under your insurance policy for your covered insurance claim. Every insurance claim is unique and will be handled as such. However, we typically do everything from filing, compiling, and settling insurance claims. This will often include writing comprehensive damage estimates, inventorying personal property, meeting with and retaining experts when needed, filing all necessary paperwork, documenting your file, and meeting with Insurance Company Representatives.

Public adjusters assist with water, fire, storm and boat damage claims
Our Florida Public Adjusters will help with your insurance claim settlement. Don't settle for less than you deserve!

Professional Assistance for a Range of Insurance Damage Claims

Our Public Adjusters have helped Policyholders with all types of Insurance Damage Claims, including but not limited to:

Hurricane Damage: Expert Support for Catastrophic Claims
As we all know, Hurricanes are one of the worst natural catastrophes that can occur. The mass devastation that is caused by Hurricanes always creates chaos in the claims world. Insurance companies will scramble to get a team of adjusters to the location to handle the high volume of claims; unfortunately, due to the demand, there are many inexperienced adjusters working on these types of storms.

Sinkhole Damage: Guiding You Through Complex Claims
Sinkhole losses have been getting a lot of press lately as they are a recurring natural disaster that is simply caused by the land that we have built on in parts of Florida. Most people have seen photos of houses being swallowed up by the earth, those are sinkholes but by no means common sinkhole problems. Many sinkholes occur beneath the earth and, therefore, make it impossible to see.

Navigating Vandalism Damage Claims with Expertise
Vandalism Claim will leave you with more than a financial loss, they will leave you feeling very violated. The last thing you want is to fight with an adjuster about the contents you may have lost or the damage caused.

Specialized Help Water Damage Claims Insurance Claims
Water damage insurance claims can be much more complicated than they appear. There is a minefield of exclusions that can easily result in a complete claim denial if presented improperly to the insurance company.  If you have ever returned home to be greeted by water rushing under your door, you very quickly came to appreciate the enormously destructive power of something as simple as a toilet overflow, broken dishwasher hose, or burst pipe. Do you know what it will take to get your property back to the pre-loss condition after suffering a water loss? Did the water wick up your walls? That’s right, it can and does soak up into your drywall which can eventually lead to mold growth.

Fire Damage Claim: Addressing Visible and Hidden Damages
Fire damage insurance claims are by all means some of the most complicated claims. There are obvious visible damages, but ash, smoke, and water contamination are not simple to diagnose or treat effectively. You have to consider 5-10 years down the road, will the smell reemerge? Are there any contaminants that could be harmful to you and your family?

Expert Resolution of Lightning Damage Insurance Claim
Living in Florida, these are some of the most common claims we see. Lightning strikes are tricky claims to adjust, and most likely, what you can see is not what you got. Electricity has a funny way of breaking stuff! Many of our ‘normal’ storms here in Florida can produce intense winds with rain which can and does often cause damage resulting from water entering the home through windows or roofing leaks. Again, not all of the damage is always seen right away. In the event you suspect that you may have storm or lightning damage to your home, give us a call, and we will send one of our very experienced adjuster to evaluate your situation and recommend a course of action.

Theft Losses: Advocating for Your Financial Recovery
Theft and Vandalism losses will leave you with more than a financial loss, they will leave you feeling violated. The last thing you want is to fight with an adjuster about the contents you may have lost or the damage caused. Our job at Claim Concepts is to help people like you. Our passion and expertise is to put an accurate dollar value on your loss and relentlessly fight to recover it from your insurance company. We don’t work for the insurance company, we work directly for you with ONLY your interests in mind…let us fight for you!

Boat Damage Claim: Policy and Repairs
Boat Damage Claims can be very tricky to navigate through. Even if they don’t deny you right away you are going to be facing a claim that you most likely have no idea how to handle. The Policy has many exclusions, but it also has many ways to protect you and your property. Typically, you would take the boat to a Mechanic, and he will meet with the Insurance Company Adjuster; they love that. Mechanics look at simply how can they fix the problem and don’t know or care about the policy. As Public Adjusters, we look at the policy and see what you are entitled to, and work hand in hand with the mechanics in order to get your boat back to its pre-loss condition. Don’t get pushed around by the insurance company adjusters. We are here to fight for you!

Comprehensive Support for Various Insurance Damage Claims
Whatever the cause of your claim, contact us today for your free claim evaluation with a Licensed Florida Public Adjuster.  All of our fees are based on what we recover from the insurance company, therefore, we don’t get paid until and unless we get the insurance company to pay!

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Meet Our Leadership Team at Claim Concepts

Our Commitment

At Claim Concepts, Eric and Greg embody the epitome of professional excellence, seamlessly intertwined with a profound personal commitment and a fiery passion that sets them apart. Their unique journeys reflect our company’s commitment to defining, genuinely understanding, and advocating for our clients. With Claim Concepts, you’re hiring experts and gaining partners who will tirelessly ensure your rights and interests are protected and fairly served.

Greg Roover

Greg Roover - Owner and Public Adjuster at Claim Concepts: Leading the Way in Insurance Claims Assistance
Owner/Public Adjuster

Inspired by Personal Experience

Greg’s path to becoming a Public Adjuster was deeply personal. The Northridge Earthquake was a turning point, where his family’s experience with a public adjuster opened his eyes to the profound impact of this role. Greg embarked on a strategic career journey, motivated by a desire to help others as his family was helped. He honed his skills working for prominent insurance companies as an independent insurance adjuster and NFIP-certified flood adjuster. 

In 2008, Greg’s vision came to fruition with the founding of Claim Concepts. His insider knowledge, gained from years within the industry, and his passion for aiding others have been instrumental in the company’s success. Greg’s expertise is not just in his impressive resume but in the countless testimonials from those he has aided, reflecting his dedication to securing the rightful settlements for our clients.

Greg's Expertise Backed by Industry Accreditations

Morgan "Eric" Thomas

Morgan - Your Trusted Public Adjuster at Claim Concepts
Public Adjuster

From Adjuster to Advocate

Eric’s journey in the insurance world began in 1989, marking the start of a career defined by expertise and dedication. Fresh out of college, he jumped into the role of an independent adjuster, swiftly advancing to a general adjuster position at a major firm. There, Eric specialized in complex homeowners and commercial property insurance claims, showcasing his skill in navigating intricate scenarios. 

In 2001, his career took a pivotal turn towards the construction aspect of insurance. As the General Manager for a renowned Insurance Restoration Contractor, Eric oversaw everything from estimating to maintaining vital relationships with insurance companies. His profound understanding of insurance and construction led him to Claim Concepts, where he now thrives as a Public Adjuster. His unparalleled insight has been crucial in ensuring that our clients receive the settlements they genuinely deserve

Eric's Expertise Backed by Industry Accreditations

Begin Your Hassle-Free Damage Claim Journey Today with Our Expert Support

4 EASY STEPS TO FILE A DAMAGE CLAIM WITH US

Our team of experienced insurance professionals has developed a proactive claim management strategy & process to help you receive the proper settlement that you need and deserve. We understand that proving your claim can be a daunting and time-consuming, and we are here to alleviate that burden for you. Our goal is to make this process as seamless and stress-free as possible for you while ensuring that you recover the full and proper settlement for your loss.

STEP 1 - Complimentary Consultation

We invite you to speak with one of our professional Public Insurance Adjusters about your situation. Our team will carefully review your policy, claim-related documents, and the extent of your damages. Based on our thorough evaluation, we will then offer our professional opinion on the best course of action for your specific circumstances.

STEP 2 - We Go To Work On Your Behalf

Our team of experienced public adjusters is dedicated to thoroughly documenting every aspect of your claim. We understand the importance of utilizing advanced technologies, such as 360 photography, thermal imaging, and moisture detection equipment, to fully capture all damages. This meticulous process ensures that we have a comprehensive record of all losses incurred. We will then prepare a detailed estimate, utilizing industry-standard estimating software, and assist you in creating an inventory of damaged personal property.

STEP 3 - Path Toward Settlement

Upon your approval, we will submit the estimate along with any supporting documentation to the insurance company on your behalf.  We will always protect your interests and ensure that you comply with all of your post-loss obligations provided within the policy.

STEP 4 - Settlement

We will keep you in the loop and present any offers made by the insurance company.  We will only accept settlement offers with your approval. 

GOT QUESTIONS? WE HAVE ANSWERS

Peace of mind! We are here to represent you and your interest in the claim. Unfortunately, insurance companies often times deny claims that should be paid or do not pay enough money on a covered claim. This is not always the case and even when it is it may not be intentional. I know that most adjusters have the best of intentions but sometimes they may be inexperienced or simply trained to see things one way, the way the big insurance company wants it to be seen. As Public Adjusters our number one job is to get you the largest settlement available to you under your policy with the insurance company.

NO. By state law we as Public Adjusters are not allowed to represent the insurance companies. We can only represent the insuring public.

The public adjuster is employed by you, the insured. Their function is to represent your interests and ensure that you recover the proper settlement for all of your losses per the terms of your insurance policy. The insurance company’s adjuster works for the insurance company and is responsible to protect their interests throughout the claim.

Public Adjusters typically work on a contingency basis which equals a small percentage of any money recovered by the insurance company.

NO! This is NOT required under any policy that I have seen to date and I do not recommend it.  In the event of a loss it is best to employ a Reputable Public Adjuster that knows what the policy will cover and what it takes to get your property back to its pre-loss condition. Many contractors will provide you with a competitive bid to make repairs but not necessarily get your property back to its pre-loss condition.

No.   In most cases we can reopen your file with a supplemental claim. There are many factors involved. Give us a call and we will be happy to offer you a free claim consultation.

Not necessarily.  It is not recommended to file a claim every time you spill a glass of water as you may become classified as a nuisance claim maker. Property insurance is typically rated based on your area which is why all homeowner rates increased in Florida after the hurricanes, whether you filed a claim or not. The risk is more related to the area where your property is located and in commercial situations the use of the property.  However, it is known that there are databases where claim activity is logged and each insurance company may have their own stipulations based on claim activity of the individual or the property.  Ultimately, you buy insurance to protect you in the time of a loss.  If you are debating whether you should file a claim or not, please feel free to call and speak with one of our Public Adjusters about your particular situation, we are always happy to help.

Do not do anything before having a qualified Public Adjuster or Attorney take a look at your file. Depending on the way everything is written you may be agreeing to their offer by depositing the check. We do not charge anything to come out and evaluate your particular situation.