Navigating Your Insurance Claim So You Don't Have To

Comprehensive documentation. Full coverage advocacy. We speak the insurance language for you to ensure you get what you're owed.

Get a Free Insurance Assessment How It Works

Trusted by major carriers in Florida

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We've helped over 500 Florida homeowners maximize their settlements.

Hidden Value: Why Choose PPR?

We offer more than just repairs; we offer claim security and expert navigation through the red tape.

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Xactimate Estimates

We use industry-standard pricing software that carriers respect, ensuring line-item accuracy.

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Direct Billing

We bill the insurance company directly. You shouldn't have to carry the financial burden.

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Documentation Specialists

Dedicated photo & video evidence experts to prove your loss beyond a shadow of a doubt.

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Denials Prevention

Expert navigation to avoid common pitfalls, keywords, and errors that lead to claim rejection.

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You Have the Right to Choose Your Contractor

Don't let the insurance company dictate who repairs your home. Under the law, the choice is yours. Preferred vendor programs often prioritize speed and cost-savings for the insurer over the quality of your restoration.

The Claims Process Roadmap

We handle the heavy lifting from day one until the final coat of paint.

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Assessment & Documentation

We conduct a thorough inspection, capturing every detail of the damage to build a bulletproof case.

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Emergency Mitigation

Immediate action to stop further damage, remove water, and secure the property.

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Claim Filing

We prepare and submit the Xactimate estimate and supporting evidence directly to your carrier.

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Negotiation & Adjustment

Our specialists meet with the adjuster to defend the estimate and ensure full coverage.

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Reconstruction

Once approved, we restore your property to pre-loss condition (or better).

Frequently Asked Questions

Common concerns about the insurance process.

Will filing a claim increase my premium? expand_more

Generally, insurance companies cannot raise your rates for filing a single claim for damage that was sudden and accidental (like a storm). However, rates are determined by region and risk history. We recommend a free assessment first to determine if the damage exceeds your deductible significantly enough to warrant a claim.

What if the insurance check isn't enough to cover repairs? expand_more

This is very common. The initial check is often an undisputed amount based on the adjuster's first look. We file a "supplement" with detailed evidence for the additional funds needed to complete the work properly. You should never have to pay out of pocket for covered losses (other than your deductible).

Do I have to use the insurance company's recommended vendor? expand_more

No. You have the legal right to hire the contractor of your choice. While preferred vendors may promise speed, they work for the insurance company. We work for you to ensure the job is done right, not just cheaply.

Don't Navigate This Alone. Get Expert Help Today.

Get Free Assessment Call (786) 602-2217