Claim Help
Do I Need a Public Adjuster? An Honest Guide for Florida Property Owners
What a Florida public adjuster does, how fees are capped by law, when hiring one may make sense and when you may not need one. Plus questions to ask first.
Claim Help Center
Straight Answers About Florida Property Insurance Claims
Plain-language guides for homeowners, businesses and condominium associations from Northside Adjusters, a licensed Florida public adjusting firm. Each one cites the Florida laws it relies on.
All articles
Guides for every kind of property claim
Roof and storm, water and mold, condos, fire, business interruption and the claim process itself.
Claim Help
Do I Need a Public Adjuster? An Honest Guide for Florida Property Owners
What a Florida public adjuster does, how fees are capped by law, when hiring one may make sense and when you may not need one. Plus questions to ask first.
Claim Help
Mediation vs. Appraisal: Your Options When You Disagree With Your Florida Insurer
Disagree with your insurer's decision? Compare Florida's free DFS mediation program with policy appraisal: who decides, what it costs and when each fits.
Business
Business Interruption Claims After a Florida Hurricane: What Owners Should Know
Closed after storm damage? How business interruption coverage generally works, what records to gather and how Florida business owners can document lost income.
Fire & Smoke
House Fire Insurance Claim Process in Florida: A Step-by-Step Checklist
After a house fire in Florida: what to do first, how fire and smoke claims work, living expenses, contents inventories and the deadlines that apply.
Condo & HOA
Condo Association Insurance Claims After a Storm: A Guide for Florida Boards
A practical guide for Florida condo boards and managers: master policy basics, deductibles, deadlines, unit owner coordination and how to document a storm claim.
Roof & Storm
Wind vs. Flood After a Florida Hurricane: Which Policy Pays?
After a hurricane, wind and flood damage are covered by different policies. Learn how Florida homeowners and flood policies split the loss and what to document.
Water & Mold
Does Homeowners Insurance Cover Mold in Florida?
Mold after a leak or storm? How Florida policies treat mold, why the water source matters, common mold limits and how to document a mold damage claim.
Roof & Storm
Florida Hurricane Deductibles Explained: How Much Will You Pay?
How Florida hurricane deductibles work: percentage vs. dollar amounts, the once-per-season rule, roof deductibles and what to check before storm season.
Claim Help
How Long Do You Have to File a Home Insurance Claim in Florida?
Florida's claim deadlines in plain English: 1 year for new and reopened claims, 18 months for supplemental claims, and how hurricane dates of loss are set.
Water & Mold
Burst Pipe, A/C or Water Heater Leak: Is the Water Damage Covered in Florida?
Burst pipe, A/C drain overflow or water heater leak? How Florida homeowners policies treat sudden vs. long-term leaks, what to document and how to file.
Condo & HOA
Water Leak in a Florida Condo: Who Pays for the Damage?
Leak from the unit above? Learn how Florida law splits condo water damage between the association's master policy and your HO-6, plus what to do first.
Claim Help
Homeowners Insurance Claim Denied in Florida? 7 Steps to Take Next
Got a denial letter on your Florida property claim? Learn why claims get denied, the deadlines that matter and 7 practical steps to challenge the decision.
Roof & Storm
Does Homeowners Insurance Cover Roof Leaks in Florida?
Is your roof leak covered? How Florida policies treat storm damage vs. wear and tear, why roof claims get denied, and what to do next. Free claim review.
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Not sure where your claim stands?
Call 888-888-8591 or visit www.NorthsideAdjusters.com. A licensed public adjuster can review your policy, your damage and your insurer’s letters and explain your options in plain language. Serving all of Florida.
