Dealing with damage on your own can be time consuming and intimidating 

• Insurance companies don't always want what's best for you
• They employ teams of financial and structural experts and, yes, even lawyers, to minimize how much money they have to pay to replace your damage. 

• Navigating your insurance policy and terms can be tricky
• Florida Roofers and Contractors are forbidden by law to guide you (for your own safety) 

• Local Florida Experts who used to work for insurance companies. We know how they think and the inner workings of the system.
  
• Safe, licensed, and reputable staff to help you at every step. 

• An active team of insurance experts, estimators, and legal  backup to ensure you get the best possible outcome.

We help you

• File your Florida insurance claim (or navigate a claim you've already filed)

• Oversee the damaged property inspection process
• Negotiate with your insurance company on your behalf
• Get the best result possible to replace your damaged property 

1. Give us a call

We can discuss your damage and claim to see how we can help. 

2. Tell us a few details

We'll walk you through your insurance policy and explain your options. 

3. Ask us to help

Give us permission to help you so we can get to work on your behalf. 

You don't have to struggle through an insurance claim, hoping you get what you need. Even if you've been denied or given less than you need to replace your damage, there's still time to dispute the damage with your insurance company. Public Adjusters like 5th Element exist to help consumers like you. We can help you get the best possible outcome with your insurance. Get your damaged property replaced and get back to living your life. 

How much does this cost me?

Your only out-of-pocket cost is your insurance deductible, which you'll pay directly to the roofer or contractor replacing your damage. A deductible is the amount you agreed with your insurance company to pay before they cover the remaining costs. 

How long will it take?

Florida law strictly limits how long an insurance company can put you off. We watch these deadlines carefully to ensure you get the fastest result possible. We can walk you through these times based on where you are in your claim. 

Do you do all the work for me?

We work with you as the property owner in your insurance claim. We will guide you through the process and our licensed experts will handle many aspects of the claim for you. However, we will still need you to provide certain documents and approvals throughout the process. Don't worry, though. We've done this thousands of times and will guide you at every step. 

Can't I just do this on my own?

Without a licensed adjuster, our averages show insurers pay out 25-45% less on a typical claim. This can be the difference between a best-effort partial repair by your contractor and the peace of mind of a full replacement. We hold your insurance company accountable, ensuring you're not one of the 70% of claims that insurance companies underpay or deny outright.