Public Adjusters, Insurance Appraisers, and Construction Consultants
Insurance companies look
after their own best interests.
We look after yours.
We don’t just help you make a claim, we help you reclaim your life. Let us establish and defend your insurance claim. Claims that lack the proper documentation are likely to be undervalued or go unpaid.
About
We cover all aspects of your loss and represent you throughout the entire claim process
30+
Years of claims experience in FL, GA, SC, NC, MS, LA, TX, NJ & NY.
50M+
Money given back to our clients as we cover all aspects of your loss.
Since 1990 we have represented commercial and homeowner policyholders exclusively. We have negotiated satisfactory settlements for all kinds of loss and destruction, including that caused by fire, wind, sinkholes, tornadoes, hurricanes, construction defects, floods, hail, and water.
Our commitment to you is to focus our negotiatory skills and expertise in claims presentation to recover the policy benefits to which you are entitled. We know how to read the fine print.
As specialists in today’s complex insurance claims arena, our negotiations and settlement results are second to none.
Services
When disaster strikes, our team is ready to help you in any kind of insurance claim you need
Commercial
Organizations, Corporations, and Associations have exposures of building damages business property and business interruption losses.
Residential
Our homes are not only the largest investment in our life, but it’s an emotional attachment to the memories and personal possessions that solidify our lives.
Multi-Family
Multifamily properties include Condominium Associations, Townhome Associations and Apartment Complexes.
Additional Services
Coupled with being professional adjusters, our construction industry experience, knowledge and history provides both policyholders and attorneys an unequivocal resource.
Claims
Our team supports a wide range of claims for any situation
Referred to as time element losses since they occur over time. Loss of income and increased expenses from a covered peril. Commercial property insurance covering loss of income suffered by a business when damage to its premises by a covered cause of loss causes a slowdown or suspension of its operations. Coverage applies to loss suffered during the time required to repair or replace the damaged property. It may also be extended to apply to loss suffered after completion of repairs for a specified number of days.
Identified as inland marine this type of commercial policy covers buildings under construction. This includes the building, temporary structures located on the site, and materials and supplies not yet part of the building.
Unintentional burning with ensuing damages from smoke and extinguishing/ suppression efforts to a structure and/or personal property; Arson is burning that is intentional.
Presence, growth, proliferation, spread or any activity of “fungi”, wet or dry rot. Fungus may include mold or mildew and any mycotoxins, spores, scents, or by-products produced or released by fungi. Generally the policy contains a limited dollar amount and scope of repairs for this additional coverage.
Sudden sinking or collapse of land into underground empty spaces created by the action of water on limestone or similar rock formations. Commercial policies commonly include this coverage and homeowners is through endorsement.
Frozen rain, usually in pellet formation and in various sizes, causing damages upon impact.
Occurrence based coverage deriving from alleged workmanship that is associated to property damages.
Fortuitous damages that can emanate from a variety of sources, such as water heaters, supply and waste piping, or HVAC system.
Illegal taking of an insured’s property with intent to deprive ownership.
Willful or malicious destruction or defacement of public or private property.
Damages caused by hidden decay, hidden insect or vermin damage, weight of people or personal property, weight of rain that collects on a roof, and use of defective materials or methods in construction, remodeling, or renovation if caused during the course of construction, remodeling or renovation.
Accumulating over the tropics and developing in the Atlantic and Gulf of Mexico within the summer and fall months. These systems are hundreds of miles wide with sustained winds exceeding 75 mph and rotate counter clockwise. Categorized 1-5 and provided names in alphabetical order.
Wind velocity with enough force to cause damage and/or breach a structures envelope. IE: Thunderstorms, Tornadoes and Hurricanes can all create wind damages.
Rising water from either 2 or more properties or inundating more than 2 or more acres. IE: Heavy rainfall in low lying areas, Tidal Areas (Rivers, Bays, Oceans and Gulf of Mexico) and Hurricanes. You do not need to live in a Flood Zone to be impacted by a flood.
Sudden and violent release of pressure or energy has caused bursting or breaking and a noise.
Natural electric discharge in the atmosphere.
Resulting from a sudden and accidental cause; not over a period of time.
Do you have any other questions?
Reviews
What Our Satisfied Clients Have To Say
“Your help, support and guidance throughout the process of obtaining a fair and just offer of payment for our claim was immeasurable. Having you as our advocate was such a source of comfort in a very stressful situation. Your attention to detail made a huge difference in OUR monetary recovery from State Farm Insurance Company.
Additionally, your prompt response to any communication was so reassuring. Your staff and support team were always so professional and helpful; we never once worried that our messages were falling on deaf ears!
Patrick, we will NEVER forget the exceptional professionalism exhibited, by you, during the third inspection with the State Farm Adjuster. He was as close to rude as we have ever seen. You handled a rather uncomfortable (and emotional) situation with the utmost tact and decorum. Obviously, your smoothing words and keen insight worked; you doubled the original offer made to us by State Farm!”
Dr. and Councilwoman Zimmern
Gulf Breeze, FL
“Thank you for all the hard work you performed on our fire loss. Your negotiating skills and knowledge of insurance claims was beyond expectations.
I highly recommend anyone dealing with an insurance company to use you. With the altered insurance contracts, wrongly written check and the way the insurance company basically ignored us we would have been “up a creek” without you.”
The Welchs
Davenport, FL
“Mr. Garrett’s firm, Garrett Claims Group, had the resources, reputation, enormous amount of detail, and professionalism to properly evaluate our claims. His comprehensive reports and persistent negotiating skills obtained our cultural center excellent insurance settlements. Without his involvement we would have never accomplished such just and equitable proceeds to restore our facility. We would not have known where to begin in separating the damages or have knowledge of our entitlements.
Our involvement was limited since Mr. Garrett’s firm orchestrated the entire claim process. This allowed us to focus on our employees and daily functions that so many depend upon here in the Pensacola Area.
Having someone with such a command in insurance claims and knowledge in construction that worked for our best interest was exemplary. Without question we recommend Mr. Garrett’s firm as the people’s representative.”
Hackel
Pensacola, FL
“I just wanted to send a little note with a great BIG thank you for all that you both did for me. May God richly bless you for your professionalism, expertise, and kindness during the past 17 months. Your help in answering my questions and keep me abreast of everything were exemplary.”
Wright
Dade City , FL
“There is no doubt that his experience supersedes the ordinary adjuster’s capabilities and his knowledge of claims handling for the policyholder is definitely superior. A key ingredient for obtaining successful settlements is Mr. Garrett’s enormous capacity of detail and knowledge for property insurance claims.”
Reeves, Esq.
Pensacola, FL
“You and your team of public adjusters have been a great help to my clients during catastrophic losses. Your background as a general contractor and expertise in the construction field not only helped when handling hurricane claims, but in many other property disputes. You and your staff are professional, dependable and always give me 110% when handing a claim.”
J.F. Lakin
Bradenton, FL
“We were not getting anywhere with the case until Mr. Garrett was selected. He was kind, honest and helped me to understand sinkholes. He also located and pointed out problems that I never saw. The result was that I got the settlement that I should have gotten. Without him, that would not have been possible.”
Betty
Odessa, FL
“It is our pleasure to recommend Mr. Patrick H. Garrett with Garrett Claims Group. We retained his firm to represent us in negotiations with our insurance company when our property at 701 W. Bay St. in Tampa, Florida burned in April of 2007. Mr. Garrett acted professionally, worked in a timely matter, and demonstrated an impressive working knowledge of insurance claims and benefits. He was an effective and efficient liaison with the insurance company, and we believe maximized policy benefits due us.
Thanks to Mr. Garrett, we were able to rebuild our beautiful historic property that was damaged, and restore it to its’ former elegance. Though we hope this never happens again, we would not hesitate to call for Mr. Garrett’s services.”
Thanks to Mr. Garrett, we were able to rebuild our beautiful historic property that was damaged, and restore it to its’ former elegance. Though we hope this never happens again, we would not hesitate to call for Mr. Garrett’s services.”
F. Griffin
| Griffin & Griffin Inc.
Tampa, FL
“We had the pleasure of working with Mr. Patrick Garrett and his company, Garrett Claims Group regarding our property insurance claims. If we had not engaged Mr. Garrett’s services we would have settled for substantially less regarding our two claims. In fact, he evaluated and examined the pre-existing claim that was over one year old and was able to recover additional monies owed by the insurance company.
The professionalism and high level of expertise exhibited throughout the claim process was unprecedented. We were kept abreast of every loss issue making it as if we had handled it ourselves. It was extraordinary to have someone with such involvement, personal interest and the ability to develop a meaningful loss resolution. Should we ever have another such situation Mr. Garrett’s firm will be contacted to administer the insurance matters. Having one facilitate all our insurance loss issues without our unnecessary direct involvement or interruption of our daily routines was extraordinary.
We highly recommend Mr. Garrett’s unquestionable experience, aptitude and negotiating skills for any property insurance claim one may encounter. Implementing a fervent advocate is one of the most important decisions a policyholder can make.”
K. Harris
Sarasota, FL
