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Pat Garrett

Watch out for charlatans…

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Be in control…Signing paperwork could be devastating to your recovery…

Beware! There will be tons of unlicensed people claiming to be consultants, appraiser’s and damage evaluators. Only licensed Public Adjusters and Attorneys can represent policyholders! Remember there is way more to a claim than writing an estimate!!

We suggest not making decisions or signing contracts under duress. Make temporary repairs and protect your property from further damages. Then evaluate what to do and whom to hire.

Let us take the wheel to manage your claim and be your insurance claim resource. We like to think that everyone can benefit from our services, but the fact is our firm’s philosophy is for you to obtain the benefits you deserve. No more, no less.

When damages occur we suggest the following:

  • Claim Notification:
    • Contact both your insurance Company and Agent
    • Contact us ( or  877-467-5677)
  • Claim Investigation – On your behalf we:
    • Meet and provide access to insurance company representatives
    • Respond to correspondence and requests
    • Determine claim values and scope of repairs
    • Provide accurate, detailed damage reports
    • Procure and provide access to experts
    • Provide support in alternative dispute resolutions (Mediation & Appraisal)
  • Claim Presentation- We are licensed to:
    • Provide the insurance company your insurance claim and Proof of Loss
    • Identify policy benefits and discuss disputed issues
    • Negotiate a fair and justifiable settlement
  • Protect Property and Temporary Repairs :
    • Hire contractors for emergency services
    • Preserve the damages and mitigate; make temporary repairs
  • Documentation:
    • Insurance Policy
    • Photographs
    • Receipts


  • It is your obligation to: 
    • Report your claim
    • Protect the property from further damages
    • Prove your claim
    • Know your rights and duties
  • When in doubt:
    • Contact us at 877-467-5677 or

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11 Years Since a Hurricane?

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Hurricane events will continue to occur throughout our lifetime; it’s important to be prepared to deal with the aftermath.

Looking back, 2004 & 2005 were traumatic years to Florida’s landscape. Floridians are resilient people and veterans to enduring storm damages, rebuilding and insurance. Some parts of our great state have not yet been affected in over 50 years, while others pray not to have a repeat of year’s past.

Hurricane season officially started on June 1st and ends November 3oth. The peak of the season is August through October. There is time to prepare, but if you find yourself a victim of severe weather damage, be proactive when you file your claim.

Insurance claims are a product of hurricanes, and NAIC is part of this process as well. Many policyholders rely solely upon the insurance company to direct them and value their damages; this is not the insurance company’s job! Your insurance policy states that you are to prove your claim. You are entitled to hire a public adjuster or plaintiff attorney to represent your interest. Property insurance claims need proper detailing, management and resources to obtain an equitable settlement. Gaining a settlement is the end result; let NAIC manage the heavy lifting to get you there – start to finish.

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