
Public Adjuster for Insurance Denied Claims
Over 20 Years Of Experience and $75MM Recovered
Expert Help When Your Insurance Claim Is Denied
Did your insurance company deny your claim, leaving you unsure about what to do next? When you’re facing a denied insurance claim situation, our experienced team, including experts in navigating tough interior, storm, fire, or flooding claims, is here to help.
We begin by thoroughly reviewing the denial letter and your policy to pinpoint why your insurance claim was refused. Then, a public adjuster works closely with you to build a clearer case, collecting missing evidence, expert reports, and correcting documentation gaps. These strategic steps create a strong foundation for filing an appeal or reopening your file.
Our licensed adjusters take care of everything: revising paperwork, negotiating with the insurer, and advocating for fair settlement. With our support, you don’t have to face denied claims alone. Ready to move forward? Schedule a free online consultation today!
Schedule An Online Consultation
We specialize in helping property owners navigate the aftermath of unexpected disasters. Our tailored restoration solutions support both residential and commercial insurance claims—from minor damage to major losses. Whether you’re dealing with fire, water, or mold damage, our experienced team ensures a seamless restoration process while assisting with your insurance claim every step of the way.
- Mold Claim
- Fire Claim
- Water Claim
- Roof Claim
- Hurricane Claim
- Denied Claim
Let our restoration and insurance experts turn your setback into a strong comeback.
Click the link below to learn more.
Denied Claims
Insurance companies often deny claims due to missing documents or technical wording — but that doesn’t mean the claim is over. Denied claims can often be reopened with the right evidence and representation. Guardian’s team reviews your denial, identifies errors, and builds a stronger case. From water damage to fire and mold, we’ve helped clients across Florida recover even after insurers and other adjusters said no.
Our Process
Your Step-by-Step Guide to Denied Claims

Complimentary Case Review
We start by reviewing your denial letter, prior documentation, and policy , at no cost. We assess whether the insurance denied claim was valid or can be challenged.

Identify Critical Gaps or Misjudgments
Our expert team investigates how the denial happened. We identify errors, missing documents, or misinterpretations used to justify the denial of your insurance claim.

Gather New Evidence
We collect new supporting documentation like expert reports, contractor statements, photos, or inspections to strengthen your case should an insurance claim denied scenario were to be reopened.

Reopen the Claim
Guardian officially files for the claim to be reopened, supported by our findings and legal arguments, where necessary, to combat insurance-denied claim issues.

Negotiate Relentlessly
We take over communication and negotiation with the insurance company, advocating aggressively on your behalf to achieve a fair settlement after the insurance claim is denied.

Maximize Your Payout
Once approved, we secure the funds owed to you, often recovering tens or hundreds of thousands after your insurance claim’s denied status is reversed.
About us
How Much We Have Recovered
- We Specialize In Denied Claims
Fire Damage
Tampa Duplex Rental

Guardian Final Recovery
Other Public Adjuster
– Denied Claim –
Original Insurance Offer
– Denied Claim –
Hurricane Roof –
Miami Suburb

Guardian Final Recovery
Other Public Adjuster
– Denied Claim –
Original Insurance Offer
– Denied Claim –
Commercial Fire Loss
Tampa Strip Mall

Guardian Final Recovery
Other Public Adjuster
– $310,000 –
Original Insurance Offer
– $230,000 –
Hurricane Damage
Miami Single

Guardian Final Recovery
Other Public Adjuster
– $72,000 –
Original Insurance Offer
– $45,000 –
Water Damage
Fort Lauderdale Condo

Guardian Final Recovery
Other Public Adjuster
– $23,500 –
Original Insurance Offer
– $18,000 –
Pipe Leak Mold –
Condo

Guardian Final Recovery
Other Public Adjuster
– Denied Claim –
Original Insurance Offer
– Denied Claim –
Sarasota Flood Risk
Lakefront

Guardian Final Recovery
Other Public Adjuster
– $10,100 –
Original Insurance Offer
– $88,000 –
Roof Damage – Orlando
Suburban Home

Guardian Final Recovery
Other Public Adjuster
– 12,000 –
Original Insurance Offer
– $0 –
Mold Claim – West Palm
Beach Townhome

Guardian Final Recovery
Other Public Adjuster
– $14,000 –
Original Insurance Offer
– $9,000 –
Vandalism Jacksonville
Retail Space

Guardian Final Recovery
Other Public Adjuster
– $21,000 –
Original Insurance Offer
– $15,000 –
Orlando Commercial
Vandalism

Guardian Final Recovery
Other Public Adjuster
– Denied Claim –
Original Insurance Offer
– Denied Claim –
Plumbing Backup
Clearwater Apartment

Guardian Final Recovery
Other Public Adjuster
– 7,800 –
Original Insurance Offer
– $7,500 –






Our Services
Our Practice Areas
We provide not only public adjusting services, but also insurance consulting to guide you through any of the following issues. Please select each one to see the associated services.

Windstorm / Hurricane Damage

Roof
Claims

Mold
Claims

Cast Iron Pipe
Claim

New
Claims

Fire
damage

Smoke
Damage

Shower Pan Leaks

Flood
Damage

Denied
Claims
from previous years of cooperation
Trusted By Leading Property Managers
Trusted By Leading
Property Managers

Pinnacle Property Management Cushman
839+ Properties

GSC
Properties
100+ Properties

Greystar Real Estate Partners
1600+ Properties

Camden
Development Inc
150+ Properties

Campbell Property Management
300+ Properties
No Recovery, No Fee Start Your Claim with Confidence Today!
Think you have Mold damage? Get a free inspection and expert help with
your insurance claim — fast, simple, and stress-free.
Partners
Guardian Partners

Property Managers

Roofers

Mold, Water, Fire, Restoration Companies

Plumbers

General Contractors
Offer For Our Partners
Free Assessments
For Their Clients
Free Estimates &
Presentation For Their Clients
Reciprocal
Business
Network Of Professionals &
In House Experts
Testimonials
What Our Clients Say
Testimonials















Why Clients Choose Us
Awards
We are very proud of our unique culture. This is lived through everyone in the business in how we work with each other and our clients each day.


















Why You Should Hire A Public Adjuster?

Stress
Free

Faster
Timelines

Only Pay If We Exceed
A Certain Result

Average 5x Higher Payout
Vs. Going Direct
We are hereto help!
Contact us
Let's Get Started.
We’d love to hear from you! If you have any questions, feedback, or need assistance, please don’t hesitate to reach out.
Call us today at
Visit Our Location ➜
Florida
7453 Silver Wood Dr CI, Boca Raton, FL 33433, United States
FAQ
Start by reviewing the denial letter and your policy. Then contact Guardian Public Adjusting to assess whether a valid appeal or reopened claim is possible.
Yes Guardian’s public adjusters analyze the denial reason, gather additional evidence, and negotiate with your insurer on your behalf.
Immediately. Early involvement ensures timely evidence collection and strengthens your appeal strategy.
Denials often stem from insufficient documentation, reporting delays, or assumptive exclusions issues Guardian knows how to contest.
They inspect your property again, use expert reports, and collect supporting docs to strengthen your case.
Yes sometimes insurers can override procedural denials when evidence shows genuine reasons for a delay.
Yes for most denied claims, public adjusters handle negotiation effectively. Legal counsel is reserved for rare complex disputes.
Guardian reviews denial details, files an appeal with new evidence, and negotiates directly or escalates via DFS or appraisal.
It varies by case complexity and insurer response, but Guardian works promptly to pursue a resolution swiftly .
Yes. Guardian handles both residential and commercial claims, negotiating business-loss or interruption disputes.
Our licensed adjusters bring deep Florida-specific experience, aggressive negotiation strategies, and a proven track record of turning denials into payouts