What We Handle
We manage the entire claims process on your behalf — from first inspection through final settlement. And even before a loss, we'll review your policy for free.
No Claim Required
Most homeowners have never read their policy front to back — and find out what it actually covers at the worst possible moment. We'll read it for you, at no cost and with no obligation.
A plain-language breakdown of your dwelling, other structures, personal property, and loss-of-use limits.
Exclusions, sub-limits, and endorsements — including the ones commonly missing for water, mold, and roof age.
Hurricane and wind deductibles are percentages, not flat dollars. We show you what you'd actually pay out of pocket.
Replacement cost vs. actual cash value, scheduled items, and whether your limits still match what your home is worth today.
Claim Types
No matter the damage type, Fidelis Adjusting steps in, documents everything, and negotiates to get you the maximum settlement.
Florida's most common and complex claims. Hurricanes cause widespread destruction that insurance companies routinely undervalue. We conduct thorough inspections, document every form of damage — structural, roofing, interior, and personal property — and push back hard against lowball offers.
Roof leaks, burst pipes, appliance failures, and flood events all create damage that goes well beyond what's visible. We ensure hidden moisture damage, mold risks, and structural compromise aren't overlooked or excluded from your claim.
As a firefighter-owned business, we understand fire damage at a level most adjusters never will. We account for structural damage, smoke penetration, soot, odor remediation, and total personal property loss — making sure your policy covers what it should.
Florida leads the country in lightning strikes, and the damage often isn't visible from the curb. A strike can destroy your electrical service and panel, HVAC and pool equipment, well pumps, appliances, and every connected electronic in the house — while insurers try to write it off as normal wear or a failed component. We bring in the right documentation to prove the loss and get the full scope covered.
Break-ins, vandalism, and damage to vacant or rental properties come with strict reporting requirements and coverage conditions that are easy to trip over. We handle the documentation, the police report coordination, and the itemization of both the property damage and everything taken.
The contents of your home are covered too — furniture, electronics, appliances, clothing, tools, and belongings — but only if they're properly inventoried and valued. This is the single most under-claimed part of most settlements. We build a room-by-room contents inventory and fight for replacement cost rather than a depreciated payout.
Insurance companies deny and underpay claims every day — sometimes legitimately, often not. If you've received a denial or a settlement that doesn't cover your losses, we review your policy, document the damage, and build a case to challenge the decision.
Roof claims are among the most frequently disputed in Florida. Insurers often cite depreciation, wear-and-tear exclusions, or missed storm dates to minimize payouts. We handle full documentation, photo evidence, and third-party estimates to support your claim from every angle.
Long-term moisture damage and mold are expensive to remediate — and insurers love to minimize these costs. We ensure remediation, structural repairs, and air quality restoration are fully itemized and included in your settlement.
The Process
From first contact to final check — here's what working with Fidelis looks like.
We review your claim, your policy, and your situation at no cost to you — even if you don't have a claim yet. No obligation, just honest answers.
We conduct a thorough property inspection, documenting all damage — including what the insurance adjuster may have missed.
We prepare and submit a comprehensive claim package backed by evidence, estimates, and policy analysis.
We negotiate directly with the insurance company and don't stop until you receive a fair settlement.