“You found the damage. We take it from here.
Secure Claims Group is a licensed Florida public adjuster. We work for you, not the insurance company, from the first call to the final check.
No recovery, no fee.
Same damage. Very different checks.
The insurer's adjuster works for the insurer. A public adjuster works for you. The gap between the two averages is the reason we exist.
Source: Florida OPPAGA Report. Averages, not a promise. Your claim is its own case.
What does it cost?
Nothing up front. We are paid a share of what your insurer pays you, and Florida law caps that share.
Change your mind? You can cancel our contract within 10 days of signing, no penalty. Florida Statute 626.854. More on cost.
“Twenty percent of the amount of insurance claim payments or settlements, exclusive of attorney fees and costs, paid to the insured by the insurer for claims that are not based on events that are the subject of a declaration of a state of emergency by the Governor.”
Florida Statute 626.854(11)(b)2
“Ten percent of the amount of insurance claim payments or settlements, exclusive of attorney fees and costs, paid to the insured by the insurer for claims based on events that are the subject of a declaration of a state of emergency by the Governor. This provision applies to claims made during the year after the declaration of emergency.”
Florida Statute 626.854(11)(b)1
Roof leaks, plumbing leaks, storm damage. If it is on your policy, we know how to document it.
How it works
Four steps. You make one call. We do the rest.
Call
Tell us what you found. We tell you what it means and what your policy covers. Free.
We inspect
Drone, thermal camera, moisture meter. Every bit of damage gets photographed and measured.
We file and negotiate
We write the estimate, file the claim and deal with the insurer so you do not have to.
Settlement
When the insurer pays, our fee comes out of that payment. No recovery, no fee.
Will my insurer drop me?
Not for one storm claim, and not for one water claim. Florida law says so.
“Claims on property insurance policies that are the result of an act of God may not be used as a cause for cancellation or nonrenewal, unless the insurer can demonstrate, by claims frequency or otherwise, that the insured has failed to take action reasonably necessary as requested by the insurer to prevent recurrence of damage to the insured property.”
Florida Statute 627.4133(3)
The honest part: at renewal, an insurer can still nonrenew for a substantial change in the risk, with 120 days written notice and a stated reason. We tell you that before you file, not after. Read the full answer.
Is it too late?
Often not. Denied, underpaid and closed claims can be reopened or supplemented.
“Compensation for the reopened or supplemental claim may not exceed 20 percent of the reopened or supplemental claim payment.”
Florida Statute 626.854(11)(a)
Deadlines depend on your policy and your date of loss. Call and we check yours while you are on the phone.
Real claims, real numbers.
Tap a card to turn it over. Each one is a Florida claim we worked, with the insurer's first answer and where it ended.
Past results do not promise a result on your claim. Every claim is its own case. Photos are representative, not the homes in these claims.
What clients say
Four Florida homeowners, in their own words.
I was overwhelmed after hurricane damage to my home. Jeremy and his team took the stress away completely. They fought for every dollar and I couldn't be happier with the result.
Secure Claims went above and beyond for us. They handled everything with our insurance company and got us a settlement that was way more than what was originally offered.
Professional, knowledgeable, and truly on your side. The difference between what my insurance offered and what Secure Claims got me was unbelievable.
From the first phone call to the final settlement, Secure Claims was incredible. They explained every step and never left me in the dark. Highly recommend!
Reviews from Secure Claims Group clients, published with their names. Results vary by claim.
What is a public adjuster?
A licensed adjuster who works for you, the policyholder. The adjuster your insurer sends works for the insurer.
Should I call before I file the claim?
Yes, if you can. A claim that has not started is easier to work than one that was already denied. We take claims at any stage.
Can I hire you after I already filed?
Yes. We can step in on an open claim, a low offer, or a denial.
Do I pay anything up front?
No. Our fee is a share of what the insurer pays you, capped by Florida law at 20 percent on a normal claim and 10 percent for the year after a state of emergency. No recovery, no fee.
Can I cancel after I sign?
Yes. Florida Statute 626.854(7): “An insured or claimant may cancel a public adjuster's contract to adjust a claim without penalty or obligation within 10 days after the date on which the contract is executed.” After a state of emergency the window is 30 days after the loss or 10 days after signing, whichever is longer.
Will my premium go up?
We cannot promise what your insurer charges at renewal. What the law says about cancelling or nonrenewing you for a claim is above.
What should I do right now?
Stop the damage from spreading: tarp the roof, shut the water off. Photograph everything before it is cleaned up and keep every receipt. Then call us.
A contractor wants me to sign something. Should I?
Call us first. We read it with you before you sign anything that hands your claim to someone else.
Where do you work?
Florida only. Office: (904) 822-9122.
Licensed in Florida.
Two licenses from the Florida Department of Financial Services. Look either one up under Licensee Search at myfloridacfo.com.
Free assessment
Tell us what you found. We look at it, tell you what it means, and you decide. No cost, no obligation.