Your public adjuster in Tampa, FL — never the insurer's
Armada Public Adjusting is headquartered 45 minutes north of Tampa in Spring Hill — and we work the bay every week. From storm-surged condos in St. Petersburg to underpaid roofs in Brandon, our licensed public adjusters represent one side only: yours.
What damages Tampa Bay properties
Tampa Bay learned in one brutal autumn what a public adjuster in Tampa, FL is really for. In September 2024, Hurricane Helene drove record storm surge across Pinellas County's barrier islands, from St. Pete Beach to Clearwater Beach. Less than two weeks later, Hurricane Milton came ashore just south of the bay and lashed the metro with wind and rain from the opposite direction. The result: thousands of tangled claims where the wind policy blames the water, the flood policy blames the wind, and the policyholder gets caught in the middle.
That finger-pointing matters, because wind and flood are covered by different policies with different rules. NFIP flood policies demand a sworn proof of loss on a short federal clock — generally 60 days, unless FEMA extends it — while your homeowner's policy runs on Florida time: under Fla. Stat. 627.70132, notice of a new claim must reach your insurer within 1 year of the date of loss (for hurricanes, that's the date of landfall), and supplemental claims within 18 months.
Add the bay's high-value housing stock — waterfront homes in South Tampa and on Davis Islands, the beach towns, whole neighborhoods of tile roofs and custom finishes that carrier pricing software routinely undervalues — and you have a market where the first offer is almost never the right number. We've recovered more than $30,000,000 for Florida policyholders by refusing to accept it.
Based in Spring Hill. In Tampa Bay daily.
We won't pretend we have a Tampa office — our headquarters is 45 minutes up the Suncoast in Spring Hill, and our adjusters are in Hillsborough and Pinellas every week. Bilingual in English and Spanish, licensed across all 67 Florida counties, answering to policyholders — never to insurance companies.
Meet the teamEvery bay-area peril. Every battle.
Hillsborough or Pinellas, homestead or high-rise — if your property took the hit, Armada takes the fight.
Hurricane & Wind
Helene and Milton proved it: after a storm, carriers want to settle fast and cheap. We document every shingle, soffit and screen enclosure first.
Hurricane claimsFlood & Storm Surge
Surge claims run on separate policies, sworn proofs of loss and tight federal deadlines. Filed wrong, they're easy to deny. We file them right.
Flood claimsRoof & Hail
The bay's mix of aging shingle and premium tile roofs is a favorite "wear and tear" denial target. We prove what the storm actually did.
Roof claimsDenied & Underpaid
A denial letter is an opening move, not a verdict. We re-open, re-document and re-negotiate claims across the Tampa Bay metro.
Denied claimsCondos, HOAs & high-rises
Pinellas and Hillsborough hold some of the densest condo stock in Florida — waterfront towers in downtown St. Petersburg, beachfront buildings in Clearwater, garden-style associations across Brandon and Riverview. When a storm hits, the hard question isn't just what was damaged. It's whose policy owes for it.
The association's master policy and your unit's HO-6 policy meet at a line carriers love to argue about — drywall, flooring, cabinets, fixtures. We read both policies, document the loss to both standards, and make sure your damage doesn't fall into the gap between them. Unit owners, boards and property managers all call us.
Start a condo claimCommercial & business interruption
Westshore offices, Ybor City restaurants, retail plazas in Brandon, warehouses off I-4 — in Tampa Bay's commercial corridors, the property damage is often only half the loss. Every week your doors stay closed, business-interruption coverage should be paying. It's the part of the claim carriers most often shortchange.
We document the physical damage and the income loss together: revenue records, continuing expenses, the extra expense of keeping operations alive. Then we negotiate both to the policy's full value, so the settlement covers the building and the business.
Start a commercial claimOne bay. Two counties. Sixty-seven statewide.
Tampa, St. Petersburg, Clearwater, Brandon, Riverview, Largo, Pinellas Park — a Tampa Bay public adjuster who answers to policyholders, not to a carrier's field office.
Our adjusters run the Suncoast corridor every week — south from our Spring Hill headquarters, through Pasco County and New Port Richey, into Tampa, St. Petersburg and Clearwater. If your property sits anywhere on this map, a free inspection is one call away.
Frequently asked questions
Have another question? Call us — (352) 556-3988.
Tampa Bay took the hit? Armada takes the fight.
One free inspection tells you what your claim is really worth — before you accept the carrier's number.
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