How working with Claims Hunters works
No surprises. Here's exactly what happens from your first call to the end of the claim — and how our fee works — before you sign anything.
Step by step
Free claim review
Call or message us. We'll ask what happened, when, and three quick questions: are you the owner, is your insurance active, and do you already have a public adjuster or attorney on this claim? If we're not the right fit, we'll say so.
Inspection and policy review
We visit the property, look at all the damage — including what's hidden — and read your policy so you understand your coverage, limits, deductible and deadlines.
Agreement in writing
If you decide to work with us, we go through the contract together: our fee, what we do, and your right to cancel. You get a copy. No pressure to sign on the spot.
Documentation and estimate
We build the claim: photos, measurements, a detailed repair estimate and the supporting documents your insurance company will review.
Presenting and negotiating
We submit the claim, attend re-inspections, answer the insurance company's requests and push back, firmly and respectfully, where we disagree.
Resolution
When the insurance company issues its decision and payment, we walk you through it line by line. Our fee comes only from what the insurance company pays on the claim, as agreed in writing.
How our fee works
- The initial claim review is free.
- If you hire us, our fee is a percentage of what the insurance company pays on the claim.
- The percentage is in the contract, in writing, before you sign.
- Florida law caps public adjuster fees (Fla. Stat. § 626.854), and the cap can be lower for claims tied to a declared state of emergency, such as a hurricane. We'll tell you which limit applies to your claim.
- Florida law also gives you a window to cancel the contract after signing. We explain it before you sign.
What to have ready
- Your insurance policy (the declarations page at least) — if you can't find it, we can help you request it.
- Your claim number, if you already reported the damage.
- Photos or videos of the damage, and of the property before, if you have them.
- Any letters, emails or estimates from the insurance company.
- Receipts for emergency repairs (tarps, water extraction, temporary housing).
Protect the property. Most policies expect you to take reasonable steps to prevent more damage — a tarp on the roof, shutting off water. Keep the receipts.
Frequently asked questions
How long does a property insurance claim take?
It depends on the size of the loss, how quickly documents are exchanged and how the insurance company responds. Simple claims can resolve in weeks; large or disputed claims can take months. We'll give you realistic expectations for your specific claim and won't invent a timeline.
Is there a deadline to file a claim in Florida?
Yes. Florida law sets deadlines for giving notice of a property claim to your insurance company. For most residential claims, notice of a new claim is generally due within one year of the date of loss, and a supplemental claim within 18 months. Your policy may have other time requirements too. Deadlines depend on your date of loss and policy, so don't wait — contact us or your insurer as soon as possible.
Do I have to be the owner?
Yes. We work with the owner of the damaged property, who is the person (or business) named on the insurance policy. If you rent, your landlord's policy covers the building; your own renters policy may cover your belongings.
What if I already have a public adjuster or attorney?
Then please talk to them first. We don't take over a claim that is already represented.
Can you get me a new roof?
We can't promise that. Whether a roof is repaired or replaced, and how much is paid, depends on the damage, your policy and Florida's rules on roof claims. What we do is make sure the roof damage is fully inspected and documented. Be careful with anyone offering a “free roof.”
Do I still pay my deductible?
Yes. Your deductible is part of your policy and is applied by the insurance company. We'll show you how it affects your claim, including the separate hurricane deductible many Florida policies have.
Do you speak Spanish?
Yes. Our team works with homeowners in English and Spanish, from the first call to the end of the claim.