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The Armada blog

Plain-English insight from licensed Florida public adjusters — on policy language, what the insurance company's letter actually means, and how a claim gets documented properly.

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From the field

Water damage claims

Cast Iron Plumbing, Water Damage and Tear-Out Costs: What Florida Homeowners Need to Know

A slab leak claim is rarely just about the pipe. Brian Cogar on tear-out and access costs, Limited Water Damage Endorsements, and what the Vazquez decision does — and doesn't — mean for Tampa Bay homeowners.

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Claim guides

Know more. Recover more.

Our evergreen guides — the questions every Florida policyholder asks, answered straight, with the statutes to back it up.

01

How Much Does a Public Adjuster Cost in Florida?

The state-capped fee structure (Fla. Stat. 626.854), what “no recovery, no fee” really means, and the math on when a public adjuster pays for themselves.

Read the fee guide 02

Claim Denied? Your 5 Options in Florida

From dissecting the denial letter to appraisal and DFS mediation — the realistic paths from “no” to a settlement, and the deadlines that gate them.

Read the denial guide 03

Hurricane Claim Deadlines & Prep Checklist

Florida's 1-year notice rule, the 18-month supplemental window, and the before-and-after-landfall checklist that protects your claim.

Read the deadline guide

Got a claim question? Ask a human.

A licensed Florida public adjuster will look at your situation for free — no upfront cost, no obligation.

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