Roof · Exterior · Interior
Whole-Home Storm Damage Inspections
From the roofline to the living room, we look at the whole property.
Storm damage rarely stays in one place. Wind, hail, and hurricanes can affect the top of the house, the windows, doors, siding, and screen enclosures, and the ceilings, walls, floors, and belongings inside. Pajoe inspects your entire Florida home or business so your claim reflects everything the storm caused.
Talk to an adjuster: 954-738-2681What we handle
Damage we document & claim
- Roof coverings, flashing, soffits, fascia, and gutters
- Windows, doors, garage doors, and skylights
- Siding, stucco, exterior paint, and screen or pool enclosures
- Fences, carports, sheds, and other structures on the property
- Interior ceilings, walls, insulation, and flooring affected by water entry
- Personal belongings and, where your policy provides it, additional living expenses
Not every storm loss is covered. The facts decide.
Coverage depends on the cause of loss, your policy terms, exclusions, deductibles (including any hurricane deductible), and limits. Age, wear and tear, and earlier conditions are treated differently from sudden storm damage. We report what we find honestly, including when damage does not appear to be storm-related.
How we fight for you
Our approach
Top-to-bottom inspection
We start at the top of the house, then work through the exterior and every affected room inside, photographing and measuring as we go.
Policy review
We go through your declarations page, endorsements, deductibles, and exclusions so you understand what may and may not apply.
Itemized written estimate
If you hire us, Florida law requires an itemized, per-unit written estimate within 60 days of signing. Ours covers the full documented scope, inside and out.
Common questions
Storm Damage claim FAQs
Why inspect the whole home instead of one area?
Storm damage often shows up in more than one place: a cracked window, damaged siding, a stained ceiling, warped flooring. Looking at the entire property at once helps make sure nothing related to the storm is missed and keeps the claim accurate.
How long do I have to report storm damage in Florida?
Under section 627.70132, Florida Statutes, notice of a new or reopened property claim must be given to your insurer within 1 year after the date of loss, and a supplemental claim within 18 months. Your policy may also require prompt notice, so report damage as soon as you can.
Will you pay my deductible or give me something for an inspection?
No. Florida law prohibits public adjusters from offering rebates, gifts, gift cards, cash, coupons, deductible waivers, or anything else of value in exchange for an inspection or for making a claim. You are responsible for your deductible, and our fee is never calculated on it.
What does it cost?
The inspection and claim review are free. If you choose to hire us, our fee is set out in a written contract and is a percentage of the insurance payments obtained after you sign. Florida caps that fee at 10% for claims from a declared state of emergency made within one year of the declaration, and 20% for other claims. We charge no fee on payments your insurer made or agreed to before you signed.
Do you do the repairs or choose my contractor?
No. We are licensed public adjusters, not contractors. You choose who repairs your property, and we do not give or accept referral fees for roofing or any other repair work.
Can I cancel the contract?
Yes. You may cancel for any reason within 10 days of signing. For a loss from a declared state of emergency, you have 30 days after the date of loss or 10 days after signing, whichever is longer. You may also cancel if we do not provide a written estimate within 60 days, unless the delay is beyond our control.
$5k offer → $140k settlement
“My insurance company wanted to give me $5k for one claim and deny the second claim. In the end I ended up with $140k to fix all my issues.”
A past client result, not a promise of a similar settlement. Outcomes depend on the policy and circumstances of each claim.
Florida consumer notices
- Pajoe Public Adjuster is a licensed Florida public adjusting firm, License #W894577. We are not affiliated with any insurance company or government agency.
- You, the policyholder, are responsible for paying any insurance deductible.
- It is insurance fraud, punishable as a felony of the third degree, to intentionally file an insurance claim containing any false, fraudulent, or misleading information.
- We do not offer rebates, gifts, gift cards, cash, coupons, deductible waivers, or anything else of value in exchange for an inspection or for making a claim (s. 626.854(23), Florida Statutes).
- Our fees are agreed in a written contract and are limited by s. 626.854(11), Florida Statutes. They are never based on your deductible.
- If you have had a claim and are satisfied with your insurer's payment, you do not need our services.
Let's review your storm damage claim.
Free property inspection. No charge unless your claim is successfully settled.