Public Adjusters, Insurance Appraisers, and Construction Consultants
Insurance companies look
after their own best interests.
We look after yours.
We don’t just help you make a claim, we help you reclaim your life. Let us establish and defend your insurance claim. Claims that lack the proper documentation are likely to be undervalued or go unpaid.
About
We cover all aspects of your loss and represent you throughout the entire claim process
30+
Years of claims experience in FL, GA, SC, NC, MS, LA, TX, NJ & NY.
50M+
Money given back to our clients as we cover all aspects of your loss.
Since 1990 we have represented commercial and homeowner policyholders exclusively. We have negotiated satisfactory settlements for all kinds of loss and destruction, including that caused by fire, wind, sinkholes, tornadoes, hurricanes, construction defects, floods, hail, and water.
Our commitment to you is to focus our negotiatory skills and expertise in claims presentation to recover the policy benefits to which you are entitled. We know how to read the fine print.
As specialists in today’s complex insurance claims arena, our negotiations and settlement results are second to none.
Services
When disaster strikes, our team is ready to help you in any kind of insurance claim you need
Commercial
Organizations, Corporations, and Associations have exposures of building damages business property and business interruption losses.
Residential
Our homes are not only the largest investment in our life, but it’s an emotional attachment to the memories and personal possessions that solidify our lives.
Multi-Family
Multifamily properties include Condominium Associations, Townhome Associations and Apartment Complexes.
Additional Services
Coupled with being professional adjusters, our construction industry experience, knowledge and history provides both policyholders and attorneys an unequivocal resource.
Claims
Our team supports a wide range of claims for any situation
Referred to as time element losses since they occur over time. Loss of income and increased expenses from a covered peril. Commercial property insurance covering loss of income suffered by a business when damage to its premises by a covered cause of loss causes a slowdown or suspension of its operations. Coverage applies to loss suffered during the time required to repair or replace the damaged property. It may also be extended to apply to loss suffered after completion of repairs for a specified number of days.
Identified as inland marine this type of commercial policy covers buildings under construction. This includes the building, temporary structures located on the site, and materials and supplies not yet part of the building.
Unintentional burning with ensuing damages from smoke and extinguishing/ suppression efforts to a structure and/or personal property; Arson is burning that is intentional.
Presence, growth, proliferation, spread or any activity of “fungi”, wet or dry rot. Fungus may include mold or mildew and any mycotoxins, spores, scents, or by-products produced or released by fungi. Generally the policy contains a limited dollar amount and scope of repairs for this additional coverage.
Sudden sinking or collapse of land into underground empty spaces created by the action of water on limestone or similar rock formations. Commercial policies commonly include this coverage and homeowners is through endorsement.
Frozen rain, usually in pellet formation and in various sizes, causing damages upon impact.
Occurrence based coverage deriving from alleged workmanship that is associated to property damages.
Fortuitous damages that can emanate from a variety of sources, such as water heaters, supply and waste piping, or HVAC system.
Illegal taking of an insured’s property with intent to deprive ownership.
Willful or malicious destruction or defacement of public or private property.
Damages caused by hidden decay, hidden insect or vermin damage, weight of people or personal property, weight of rain that collects on a roof, and use of defective materials or methods in construction, remodeling, or renovation if caused during the course of construction, remodeling or renovation.
Accumulating over the tropics and developing in the Atlantic and Gulf of Mexico within the summer and fall months. These systems are hundreds of miles wide with sustained winds exceeding 75 mph and rotate counter clockwise. Categorized 1-5 and provided names in alphabetical order.
Wind velocity with enough force to cause damage and/or breach a structures envelope. IE: Thunderstorms, Tornadoes and Hurricanes can all create wind damages.
Rising water from either 2 or more properties or inundating more than 2 or more acres. IE: Heavy rainfall in low lying areas, Tidal Areas (Rivers, Bays, Oceans and Gulf of Mexico) and Hurricanes. You do not need to live in a Flood Zone to be impacted by a flood.
Sudden and violent release of pressure or energy has caused bursting or breaking and a noise.
Natural electric discharge in the atmosphere.
Resulting from a sudden and accidental cause; not over a period of time.
Do you have any other questions?
Reviews
What Our Satisfied Clients Have To Say
“Mr. Garrett’s firm, Garrett Claims Group, had the resources, reputation, enormous amount of detail, and professionalism to properly evaluate our claims. His comprehensive reports and persistent negotiating skills obtained our cultural center excellent insurance settlements. Without his involvement we would have never accomplished such just and equitable proceeds to restore our facility. We would not have known where to begin in separating the damages or have knowledge of our entitlements.
Our involvement was limited since Mr. Garrett’s firm orchestrated the entire claim process. This allowed us to focus on our employees and daily functions that so many depend upon here in the Pensacola Area.
Having someone with such a command in insurance claims and knowledge in construction that worked for our best interest was exemplary. Without question we recommend Mr. Garrett’s firm as the people’s representative.”
Hackel
Pensacola, FL
“My words cannot adequately reflect how pleased I am with the results you obtained for us. Thank you from the bottom of my heart. I would strongly recommend you and your company to anyone interested in securing a fair and just recovery of their losses under the provisions of their insurance policy.”
Shultz
Lutz, FL
“I want to thank you and your team for helping me in my time of complete desperation. When I reached out to you for help you came to my home within days, look through the large piles of reports and letters from the insurance company, and made sure I understood the process we would have to go through.”
“You made sure the right experienced experts came to my home so they could see the damage for themselves, and document their findings in reports that we would later need in the law suit.”
L. Haynes
Live Oak, FL
“There is no doubt that his experience supersedes the ordinary adjuster’s capabilities and his knowledge of claims handling for the policyholder is definitely superior. A key ingredient for obtaining successful settlements is Mr. Garrett’s enormous capacity of detail and knowledge for property insurance claims.”
Reeves, Esq.
Pensacola, FL
“We were not getting anywhere with the case until Mr. Garrett was selected. He was kind, honest and helped me to understand sinkholes. He also located and pointed out problems that I never saw. The result was that I got the settlement that I should have gotten. Without him, that would not have been possible.”
Betty
Odessa, FL
“You and your team of public adjusters have been a great help to my clients during catastrophic losses. Your background as a general contractor and expertise in the construction field not only helped when handling hurricane claims, but in many other property disputes. You and your staff are professional, dependable and always give me 110% when handing a claim.”
J.F. Lakin
Bradenton, FL
“I don’t even want to think what results I would have had had I not had the good fortune of hiring you. As aggravating as it is to find out you have a sinkhole on your property and to have to deal with an insurance company, you made the process a great deal easier.
Durie
Tampa, FL
“No one should have to face the big insurance companies alone, and you were there every step of the way to make sure that our insurance carrier treated us fairly, and that we received the money that we were due. I really don’t know what we would have done without you.”
Culbertson
Pensacola, FL
