Licensed Florida Public Adjuster

Property Damage Is Stressful. Your Insurance Claim Shouldn't Be.

Claim Service Pro Public Adjusters LLC represents South Florida property owners after water, fire, storm, mold, and other covered losses. We manage the claim, document the damage, and negotiate with the insurance company on your behalf.

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Licensed Florida Public Adjuster25 years of property-damage experienceResidential and commercial claimsNo recovery, no fee, subject to written agreement and Florida law

Rick Garrido, founder of Claim Service Pro

Licensed FL Public Adjuster #G207772FL

South Florida Claim Specialists

Direct Representation

Personal Attention

Why Hire Us

Why property owners hire us

Insurance policies, claim deadlines, documentation requirements, estimating disputes, and coverage decisions can overwhelm even a careful property owner.

Comprehensive damage documentation

Policy and coverage review

Professional repair estimating

Claim-deadline tracking

Inspection preparation and attendance

Carrier communication

Proof-of-loss preparation

Negotiation and settlement strategy

Claims we handle

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Water Damage

Sudden pipe bursts, appliance failures, and storm intrusion, documented and valued correctly.

Hurricane & Wind Damage

Roof, structure, and contents damage from named storms, filed against tight statutory deadlines.

Roof Damage

Wind, hail, and wear-related roof claims, scoped to full Florida Building Code compliance.

Fire Damage

Structure, contents, and smoke damage, including additional living expenses while you're displaced.

Mold Damage

Mold assessment and remediation claims, built on IICRC S520 documentation standards.

Plumbing Failures

Burst pipes, failed supply lines, and slab leaks, documented before repairs erase the evidence.

Denied Claims

A denial is not always the final answer. We build the case a carrier can't ignore.

Underpaid Claims

An offer that doesn't reflect the actual scope of loss deserves a professional second look.

The Contractor Advantage

More than an adjuster's perspective

Rick Garrido is a licensed Building Contractor in addition to a licensed Public Adjuster, an understanding of how buildings are assembled, how damage travels through structural systems, and what is actually required to restore a property correctly, not just what a repair estimate assumes.

Certified Building Contractor (CBC) · #1261413Florida Licensed Mold Assessor (MRSA) · #246Florida Licensed Mold Remediator (MRSR) · #250Water Damage Restoration · #171717Fire & Smoke Restoration · #171717

How it works

Claim Review

We review the loss, insurance documents, damage, and current claim status.

Strategy and Representation

We establish the documentation, communication, and negotiation strategy.

Inspection and Estimating

We inspect the property and prepare a detailed damage assessment.

Claim Management

We communicate with the carrier, organize supporting evidence, and track deadlines.

Negotiation and Resolution

We present the claim and pursue a proper resolution under the policy.

A Denial Is Not Always the Final Answer

A claim may deserve a professional second review when the carrier denied coverage, blamed long-term deterioration, underestimated the damage, excluded necessary repairs, applied excessive depreciation, delayed its decision, or offered an amount that does not reflect the actual scope of loss.

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Who we serve

Homeowners

Single-family homes across South Florida.

Luxury Property Owners

High-value residential properties with complex coverage.

Condominium Owners

Individual units and master-policy coordination.

Commercial Property Owners

Business interruption and property damage claims.

Property Managers

Multi-property portfolios and ongoing claim oversight.

HOAs & Condo Associations

Master-policy claims on behalf of the association.

Serving South Florida

Miami-Dade, Broward, and Palm Beach Counties.

Miami Miami Beach Fort Lauderdale Hollywood Pompano Beach Coral Gables Weston Plantation Oakland Park Davie Coral Springs Boca Raton

Founder

Experience Built in the Field

Rick Garrido is a licensed Florida Public Adjuster (#G207772FL) and a Certified Building Contractor, also holding Florida mold assessor and remediator licenses. That dual background, contractor and adjuster, means every claim reflects what a property actually needs to be properly restored, not just what a repair estimate assumes.

Results and testimonials

$35,000

From Denial to $35,000: How a Carrier's Own Suppressed Report Backfired

A Lighthouse Point, FL homeowner's shower pan liner failed, causing water intrusion and mold. The carrier's own inspector found a short-term event, then denied the claim anyway using a different report that left that finding out. Here's how we turned it into a $35,000 recovery.

water

$68,435

From Denial to $68,435: How We Turned Around a "Long-Term Seepage" Claim

A Plantation, FL homeowner's washing machine hose failure led to a carrier denial based on a disputed forensic report. Here's how we turned it into a $68,435.38 recovery.

water

Before You Accept, Repair, or Give Up, Have Your Claim Professionally Reviewed.

Free damage inspection. No recovery, no fees, subject to a written agreement and Florida law.

Request Free Claim Review Call 1-786-474-9979