01
Structural Fire Damage
Burned framing, charred sheathing, and roof systems compromised by flames. We document every affected component to support a full structural scope of repair under your policy.
FIRE DAMAGE? KNOW YOUR RIGHTS — SPEAK WITH A LICENSED PUBLIC ADJUSTER TODAY
Licensed FL Public Adjusters — #G075824
After the Fire,
Demand Every Dollar
You Are Owed.
Fire and smoke claims are some of the most complex losses a homeowner can face. Our licensed Florida public adjusters document the full extent of structural, smoke, and soot damage — and negotiate directly with your insurance carrier for the settlement available under your policy.
No Recovery, No Fee
5.0
Google Reviews Rating
$0
Upfront Cost
100%
Policyholder Advocacy
24/7
Available for Emergencies
What We Handle
Fire & Smoke Damage
We Represent.
From total losses to partial fire claims — we represent YOU, not the insurance company. Residential and commercial fire losses across all of Florida.
02
Smoke & Soot Damage
Smoke residue penetrates drywall, insulation, HVAC systems, and personal property. We identify hidden contamination that adjusters often miss and pursue proper remediation coverage.
03
Contents & Personal Property
Furniture, electronics, clothing, and belongings damaged by heat, smoke, or water from suppression. We prepare itemized contents inventories that meet carrier documentation standards.
Kitchen FiresElectrical FiresWildfire DamageLightning StrikesWater from SuppressionDenied Fire ClaimsUnderpaid Fire ClaimsAdditional Living Expense (ALE)
Our Process
How We Fight For You.
A straightforward 3-step process that puts you back in control of your fire insurance claim.
Step 1
Inspect & Document
We conduct a thorough on-site fire and smoke damage inspection — including structure, HVAC, contents, and concealed soot infiltration. All findings are photographed and itemized to support your claim.
Step 2
Negotiate & Advocate
Our licensed public adjusters prepare your sworn proof of loss, detailed estimates, and contents inventory. We review your homeowners policy and negotiate directly with your carrier on your behalf.
Step 3
Maximize Your Settlement
We pursue the full compensation available under your policy, including ALE (Additional Living Expense) where applicable. Our contingency-based fee complies with Florida Statute §626.854 — you pay nothing unless we recover funds.
What Our Clients Say
Florida Homeowners,
After the Fire.
5.0on Google
"I just want to say thank you Lily and David for all the hard work and dedication you guys put in for your clients. I appreciate you guys for all you have done for me and my home, for fighting for what corresponded to me as a home owner."
Helen P.
5 reviews · 2 months ago
"I highly recommend UDS Public Adjusters to anyone looking to replace or fix their roof or deal with the insurance companies. They were really helpful throughout the whole process which can be overwhelming at times. They are knowledgeable."
KNO2005
7 reviews · 2 months ago
"Great work and excellent job. Five stars business. They are friendly, helpful and knowledgeable."
Ileana B.
8 reviews · 2 months ago
"I had an excellent experience working with my public adjuster on not just one, but TWO roof claims for my homes. From start to finish, the entire process was handled professionally and efficiently."
Sheldaly C.
3 reviews · 3 weeks ago
"UDS Team service was excellent! David and Angelic were beyond empathetic and transparent with all the steps that would be taken to file a claim. I have recommended UDS to family and friends just off of how great my experience was."
Crystal S.
1 review · 1 month ago
"I was thoroughly impressed with Angelic's services. She promptly provided a quote for public adjusting in a highly professional manner. I will definitely use her services again in the future."
Veronica L.
5 reviews · 1 month ago
Don't Settle For Less On Your Fire Claim.
Believe your insurance company denied or underpaid your fire or smoke damage claim? Our licensed Florida public adjusters can review your homeowners policy and assess your loss — at no cost to you.
Get Started
Request Complimentary Fire Damage Inspection.
- No Recovery, No Fee — Contingency Based
- Complimentary Property Inspection
- We Handle ALL Paperwork & Negotiation
- Licensed FL Public Adjusters #G075824
FAQ
Frequently Asked Questions
Everything you need to know about working with a licensed Florida public adjuster on your fire claim.
What is a public adjuster?+
A public adjuster is a licensed insurance professional who represents the policyholder — not the insurance company — in the preparation, presentation, and negotiation of a property insurance claim. In Florida, public adjusters are licensed and regulated by the Department of Financial Services under Chapter 626, Florida Statutes.
How much does it cost to hire UDS for a fire claim?+
Our services are contingency-based — no recovery, no fee. Florida law (§626.854) caps public adjuster fees at 20% of the insurance claim payment for non-emergency claims, and 10% for claims filed within one year of a declared state of emergency. You pay nothing upfront and nothing if we don't recover funds for you.
What types of fire damage do you handle?+
We handle all fire-related residential and commercial losses in Florida — including structural fire damage, smoke and soot contamination, kitchen and electrical fires, lightning strikes, wildfire damage, water damage from fire suppression, contents loss, and Additional Living Expense (ALE) claims.
What areas of Florida do you serve?+
We serve all of Florida, including Fort Myers, Tampa, Orlando, Miami, Jacksonville, and the surrounding counties — Central, South, and Southwest Florida.
My fire insurance claim was denied. Can you still help?+
Yes. Many of our clients come to us after a denial or underpayment. We re-inspect your loss, review your homeowners policy, and prepare a supplemental or reopened claim where coverage exists. Under Florida Statute §627.70132, most property claims can be reopened or supplemented within the statutory time limits.
How long do I have to file a fire claim in Florida?+
Under Florida Statute §627.70132 (as amended), policyholders generally have one year from the date of loss to file an initial property insurance claim, and 18 months to file a supplemental or reopened claim. Don't wait — contact a licensed public adjuster immediately after a fire loss.