PROPERTY DAMAGE?
Insurance claims shouldn't add to your stress. At VIP Adjusting, we simplify the process and work to maximize your settlement.
VIP Adjusting
Fights for You!
If your home or business has suffered property damage, don’t deal with the insurance company alone. We guide you through every step of the claim process, from evaluating the loss to documenting the damage and negotiating on your behalf.
VIP Adjusting represents property owners through out Florida, South Carolina, and the Dallas, Texas area, helping ensure claims are handled properly and settlements reflect the full scope of damage.
Whether you're filing a new claim or dealing with one that has been underpaid or denied, we step in to manage the process and advocate for your interests. Policyholders who work with a licensed Public Adjuster typically recover more than those who handle claims themselves.
If there’s no recovery, there’s no fee.
How Can We Help?
Fill out the form and one of our licensed Public Adjusters will reach out to review your loss and outline the next steps.
About Us
Click the link below to discover who we are, the experience we bring, and the services we provide to help navigate the insurance claim process.
If you’re needing additional information please feel free to call our office or email our Public Adjusters.
Industry Certifications & Memberships
We proudly hold certifications and maintain memberships with respected organizations across the insurance and restoration industries. Each badge below reflects our commitment to ongoing training, adherence to industry best practices, and delivering trusted service to every client we represent. Click on any logo to learn more.
Services We Offer
While Public Adjusting is at the core of what we do, our expertise extends far beyond claim negotiation. We offer a comprehensive range of specialized services designed to help property owners document, evaluate, and protect their investments. From assessing structural damage and conducting detailed inspections to providing expert policy guidance, we bring the same precision and dedication to every service we provide. Explore the services below to see how we can help you.
Frequently Asked Questions
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A Public Adjuster is a licensed insurance professional who represents you, the policyholder - not the insurance company. We handle the preparation, documentation, and negotiation of property damage claims to ensure you receive the maximum settlement you’re entitled to.
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Most policyholders are unfamiliar with the claims process and end up underpaid or denied altogether. A Public Adjuster levels the playing field by managing the entire claim, negotiating directly with your insurer, and protecting your interests throughout the process.
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Ideally, you should hire a Public Adjuster as soon as you discover damage, before filing a claim. We can also step in if your claim has been underpaid, delayed, or denied, or if you're feeling overwhelmed by the process.
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VIP Adjusting represents property owners throughout all of Florida, South Carolina, and the Dallas, Texas area. If your property has damage and you need help with an insurance claim, reach out to confirm service availability in your area.
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Yes - We represent homeowners, HOAs, and businesses for wind, flood, water, fire, and more.
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Public Adjusters charge a contingency fee based on a percentage of your settlement, meaning we only get paid if you do. There are no upfront costs or additional out-of-pocket expenses for our services. If your claim doesn’t result in a payout, you owe us nothing.
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A Public Adjuster works for you, while the insurance company’s adjuster works for them. Our job is to advocate on your behalf, ensure nothing gets overlooked, and fight for the highest possible settlement under your policy.
Don’t See Your Question Answered Here?
Use the button below to view our full FAQ. You can also ask your question in the form provided here for a quick response.
What we’ll do as your Public Adjuster
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![Reviewing insurance policy and documents for property damage claim]()
Review Your Claim
We carefully review your insurance policy and supporting documents to understand your coverage and the details of your loss.
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![Filing or reopening an insurance claim for property damage]()
File or Reopen Your Claim
Whether starting new or pursuing a supplement, we ensure your claim is filed properly and progresses without delay.
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![Handling communication with insurance company during claim process]()
Manage Communications
We manage all communication with the insurance company and provide regular updates throughout the process.
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![Inspecting property damage for insurance claim documentation]()
Inspect the Loss Location
We perform a detailed inspection, documenting all damage thoroughly to support and strengthen your claim.
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![Preparing insurance estimate for property damage claim]()
Produce a Detailed Estiamte
Prepare a professional estimate of repair and replacement costs using Xactimate, the industry standard for insurance claims.
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![Filing and submitting insurance claim documentation for property damage]()
File & Submit Documentation
We handle all required claim forms and documents, ensuring everything is completed and submitted accurately.
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![Negotiating with insurance company for a fair claim settlement]()
Negotiate on Your Behalf
We work directly with the insurance company, presenting evidence and estimates to achieve a fair settlement.
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![Securing insurance claim payment for property damage]()
Secure Payment
We help to finalize, process and secure all payments due under your policy, including initial, supplemental, and final disbursements.
Claims We Handle
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![Hurricane damage to residential roof and structure with wind and water intrusion]()
Hurricane
We help you navigate the complex process of hurricane claims, ensuring all damage is properly assessed and you receive the maximum compensation for your loss.
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![Severe flood damage to home with standing water and destroyed interior finishes]()
Flood
Floods can cause extensive damage to flooring, walls, and personal property. We make sure all water-related losses are properly identified and addressed.
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![Interior ceiling damage caused by active roof leak and water intrusion]()
Roof Leaks
Roof leaks can cause damage like ceiling stains or lead to hidden issues. We help document the damage and guide you through the process.
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![Water damage from broken pipe affecting walls, flooring, and cabinetry]()
Plumbing Leaks
Whether you're dealing with an active leak or damage from a past leak, we can step in at any stage to help ensure your claim is properly handled.
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![Water damage from HVAC system leak causing ceiling and drywall deterioration]()
AC Leaks
Trying to stay cool when your AC is leaking? We’ll assess the damage, identify the cause, and ensure your claim is handled properly.
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![Mold growth on walls and ceilings caused by prolonged moisture exposure]()
Mold
Mold claims can be complicated and need to be presented correctly to your insurance company to ensure coverage and rightful compensation.
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![Hail damage to roofing shingles and exterior surfaces with visible impact marks]()
Hail Damage
Hail can cause extensive damage to roofs, windows, and siding. We expertly identify the damage and ensure your claim covers the necessary repairs.
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![Fire and smoke damage inside home with soot, charred materials, and odor impact]()
Fire & Smoke
From kitchen fires to electrical, or wildfires, we manage all types of fire claims to ensure a thorough assessment and fair settlement for remediation and restoration.
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![Tornado damage to property with structural loss and debris impact]()
Tornado
Tornadoes cause devastating damage, from structural issues to personal property loss. We help assess the damage and guide you through recovery.
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![Structural damage from sinkhole activity causing foundation cracking and settlement]()
Sinkholes
Sinkholes can cause severe structural damage, putting your property at risk. We help identify the full impact and work with you through the claims process.
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![Lightning strike damage to roof and electrical systems in residential property]()
Lightning
Lightning can cause more than just power outages. We help document and process claims for structural and electrical damage to ensure you're fully covered.
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![Property damage from break-in with forced entry and interior destruction]()
Break In - Theft - Vandalism
Whether it’s damage from a break-in, stolen property, or vandalism, we help protect your claim and make sure you are fully compensated for your loss.
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![Temporary housing and displacement due to covered property damage loss]()
Additional Living Expenses (ALE)
ALE helps when your home becomes uninhabitable after a loss. We ensure your ALE claim is handled properly, protecting you from out-of-pocket expenses.
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![Rental income loss from property damage making unit uninhabitable]()
Loss of Use - Fair Rental Value
If your rental or investment property becomes uninhabitable due to an insured event, we can help you recover lost rental income.
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![Business closure due to property damage resulting in loss of income and operations]()
Business Interruption
If your business operations are disrupted due to an insured event, we assist with pursuing a claim to recover lost income.
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![and more claims]()
And More..
We handle a wide variety of claims beyond those listed. If you don’t see your claim type here, call us to discuss how we can assist with your situation.
What Our Clients Are Saying
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"We could not possibly recommend VIP Adjusting more. Five stars is not enough. They saved our sanity and guided us through the viscous maze that is the world of insurance claims. After Hurricane Ian, Lance and his team were professional and calming at the most turbulent time as a home owner. They were up front about the length of time it would take to get full restitution for our claim. They cleared the way through a sea of mis-information and obstacles. The system is stacked against the policy holder and insurance companies purposely try to cloud and confuse you to avoid paying rightful claims..."
- Roger M.
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"I recently worked with VP Adjusting for a property damage claim, and I couldnt be more satisfied with their service. From start to finish, their team was professional, knowledgeable, and genuinely cared about securing the best possible outcome for me.They thoroughly assessed the damage, handled all the complex negotiations with my insurance company, and kept me informed every step of the way. Their expertise in navigating the claims process made what could have been a stressful situation seamless and manageable. I highly recommend their services to anyone needing a skilled public adjuster. "
- Juan C.
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"I am very pleased with what VIP Adjusting has done for me this summer. I had a water leak that turned into a big problem in the kitchen. Initially, I was dealing with the insurance company myself. Then, I heard that I could hire a public adjuster on my behalf to deal with the insurance company to settle the claim. I recommend VIP Adjusting for anyone in the future. Hopefully, you don’t have to. You don’t have to interact with the insurance company yourself, when you are too busy to handle or not able to speak for yourself. Mr. Aaron Fessia listens to your needs, and he will represent you to get a fair deal."
- Nestor C.
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"We have a family vacation property in Florida that had damage from Hurricane Milton. We tried handling the claim ourselves and quickly realized that our insurance company wasn't going to do the right thing. After doing some search we discovered we could hire our own adjuster to assist and that's when we found VIP Adjusting. They handled everything and got us what were rightfully owed from our insurance company. Without VIP Adjusting I'm not sure what we would have done. THANK YOU VIP ADJUSTING!"
- Antone P.
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"VIP is wonderful! Lance, Aaron, Cristian, and Maureen are knowledgeable, thorough, patient, kind, and caring. They understand all the details of the insurance claims process and the pros and cons of all the different options we had as homeowners. They explained everything throughout the process to make sure we understood, and they answered our questions thoroughly (even when we asked the same question multiple times!). They sincerely cared about our emotions and wellbeing in addition to getting the best possible result for us financially. Thank you so much, VIP!"
- Julie M.
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“The VIP family was great to work with. VIP was honest with us on timeline of payment from the beginning. If we had the patience to wait and let them do their thing we would get a nice payout. So we did and it was. Maureen answered all my calls and emails, she was a sweetheart. They kept me up today on the process and was always very kind. I'm very glad that we decided, out of everyone, to go with VIP Adjusting. Thank you so much VIP for all your hard work.”
- Patricia K.
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"We were so lucky that a friend recommended VIP to handle our claim. They are wonderful to deal with and extremely thorough in detailing damage that I would have never thought of. Their communication skills are excellent, they keep you informed at every level. We consider ourselves fortunate to have VIP on our side during this stressful time. They are in our speed dial forever."
- Michael E.
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"VIP came recommended to us through some friends post hurricane Michael. I was highly skeptical at the time but turned out to be one of the top five decisions I’ve made in my life. They fought for every penny our ins company owed us. They turned a $40,000 check into a little over $200,000. I recommend this company to anyone out there being taking advantage of by the insurance company."
- Chris U.
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“Their excellent team handled my insurance claim with care, professionalism and expertise from start to finish. They answer all your calls and questions in a timely manner and will fight for you to help you get a fair settlement in the end. Kudos to Lance, Aaron, Cristian, Rachel and Maureen for all the hard work they put into my insurance claim so don’t hesitate to reach out to them to handle your insurance claim fight as they will help you significantly."
- Tony M.
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"My home was badly damaged by Hurricane Nicole , VIP warned me how my insurance provider was notoriously difficult when paying for damages, but they’d get us our best possible settlement, and they were right.The clear documentation of the impact to my home and property was evident. We were rewarded with a large settlement. If it had not been for the VIP team, there is no way we would have gotten anywhere near what we received. There were never any issues with how VIP ADJUSTING handled my claim (despite deliberate attempts by my insurance provider to defraud, delay, refuse to acknowledge clear data, and diminish our payments), but VIP kept them honest. I cannot express my gratitude enough."
- Ken R.
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"My roof leaked during Hurricane Ian, I’m so glad I contacted VIP Adjusting. Lance , Aaron and Maureen are very professionals. They helped me all the way thru the process, they answered my calls and questions all the time. They work for you and not the insurance company which will try not to give you a dime for a valid claim. I will recommend VIP Adjusting to anyone that is in need of help with property damage."
- Benjamin R.
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"Awesome, knowledgeable, fantastic service! Could not have dealt with my insurance company or have gotten the money we received without this company. Highly recommend!"
- Julie C.
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"My husband and I were very happy with the service that VIP adjusting provided us. Chris Braganza was very thorough with his examination of the damage of our home due to Hurricane Ian. I can’t say enough about Maureen Petrie. She helped me through all the paper work and understood my lack of computer skills going above and beyond. My Thanks to both of you for making the process as easy as possible. Stephen and Marilyn Vilegi"
- Marilyn V.
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"I had the pleasure of working with Aaron. He guided me through this Process the whole time. Always kept me updated weekly as to my case and was always responsive when I called when I needed a Question answered. I would recommend VIP to anyone needing help with their home claims. Thank you very much for all your help. I will be recommending to all my friends."
- Bryant C.
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"VIP Adjusters are top notch. Our insurance company was not giving us the right amount of money to cover the Damages from a Tornado. After 3 months of going back and forth they were able to negotiate a settlement to cover our cost of Damage! We would highly recommend VIP Adjusting."
- Joseph M.
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"I would not have gotten enough money to cover my repair costs from Hurricane Michael had it not been for the great team at VIP Adjusting."
- Sandy S.
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"Our experience with The VIP Adjusting team was exceptional. Aaron, Christian, Rachael, and the entire team were incredibly patient, knowledgeable, and professional throughout the process. They clearly explained our options, guided us every step of the way, and were always available to answer our questions. Thanks to VIP Adjusting’s support, we were able to successfully navigate the complexities of storm damage recovery, understand the insurance claim process, and move forward with repairing our home. We highly recommend this skilled and dependable team."
- Rolland L.
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"I love VIP Adjusting.. they are professional and make you feel comfortable. I worked with Cristian and he was great and so very helpful always got right back to me anytime I reached out to him. I also worked with Maureen and again she was right on top of everything I need. I would highly recommend this company to any of my family and friends. I hope I never need them again but if I do I will definitely call them."
- Rita A.
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"Can’t say enough great things about VIP Adjusting. They are professional, knowledgeable, respectful, punctual, and followed through on every commitment they made. Everyone I interacted with (Christian, Lance, Maureen, Aaron, etc) was super helpful. I spoke with two other adjusters who stopped returning my calls because I had already rush replaced my roof due to hurricane damages. VIP made sure the other interior and exterior damages were not overlooked and were able to help me with additional claims in a timely manner. Thanks so much!!!!"
- Danielle A.
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VIP Adjusting was a huge help in settling my Hurricane related claim. I could not have done it without them. Their professional service and communications went beyond expectations, and I would heartily recommend them to anyone with insurance claims needs. "
- Nick M.
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"VIP Adjusting was amazing to work with. My claim was relatively small compared to many but they never made me feel anything other than my claim was of utmost importance to them. I genuinely feel my insurance company would have denied much of my claim if it wasn’t for VIP. I would recommend VIP to anyone dealing with an insurance loss."
- Chris I.
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"We had a great experience with VIP Adjusting and would definitely recommend their services."
- Stacy M.
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"Am extremely pleased with the entire VIP team to bring closure to a Hurricane Ian claim in Port Charlotte. Insurance first response was to say my damage was under my deductible - they closed my claim. VIP was recommended to me by neighbors. They were fantastic. Took the time to do a very thorough room by room inspection. Had the latest imagng equipment and captured dimensions of every room. Their detailed analysis was over 40 pages long and supported by industry accepted repair cost estimates. It took a year to negotiate withe insurance carrier but the final settlement was six figures. They were very honest and not quitters - communication was great. Recommend them with five stars."
- Robert G.
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“From begging to end VIP was professional, patient, punctual and communicative throughout the whole process and most importantly they didn't give up. Amazing team here!”
- Noelyn J.
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"Highly professional, very detailed and honest adjusters. If I need I will use VIP Adjusters services without hesitation."
- Hank V.
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"Cristian and the team at VIP are extremely thorough and knowledgeable about claims. They guide you every step of the way to help you achieve the best possible outcome. I highly recommend!"
- Jennifer S.
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"Thank you VIP Adjusting for your support and care towards our situation. Would HIGHLY recommend Cristian for claims. DO NOT TRUST YOUR HOME OWNERS INSURANCE PROVIDED ADJUSTER. VIP Adjusting will be on your side unlike the rest being on the insurance companies side. Thank you guys for your help!"em
- Nitesh S.
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"Our claim following Hurricane Ian was headed to litigation before finally being settled to our satisfaction and VIP was with us every step of the way. We referred two of our friends to VIP and would not hesitate recommending them to others who feel overwhelmed by the claims process."
- Anne J.
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"Great people. Very knowledgeable and professional. Successful results!"
- Dale W.
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"Multiple other adjusters didn’t think they could get anything, these guys got 5x what the insurance company gave me, super easy to work with, very responsive and honest brokers. Hopefully won’t need them again but They will now always be my first call"
- Victor J.
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"We cannot recommend VIP Adjusting enough. They have been a great asset in helping with our insurance claim after hurricane Milton. Cristian is very knowledgeable and always answered our questions so that we could easily understand the process. His promptness in returning our calls was well appreciated. As we all know, dealing with insurance companies can be a nightmare, VIP Adjusting made the process much easier!"
- Brian S.
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"VIP Adjusting was incredibly helpful at a time when life was turned upside down after hurricane flooding. Everyone I spoke to was very supportive and patient with all my questions. Rachel did the walk- thru/assessment of damage and was very sensitive to the devastating circumstance, which was very much appreciated . VIP works as a real team and every person I spoke with was informed, reaffirming and honest. I would absolutely not hesitate to call VIP for their expertise, integrity and overall professional support if ever needed in the future."
- Kristin T.
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"After hurricane Ian hit in September of 2022, we needed help navigating the landmines of insurance company claims and potential recovery. VIP Adjusting was a key resource and advocate for us in our process. We strongly recommend them should tragedy land at your doorstep, and you need a trusted resources to help you are well."
- Bill S.
Need Assistance?
If you've experienced property damage and need assistance with your insurance claim, fill out the form below. Whether it's a new claim or you're having trouble with an existing one, our team is here to help guide you through the process and ensure you get the compensation you deserve.
