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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.
Water/Flood Damage Claims
Water and flood damage claims are often complex and time-sensitive. Whether from storms, burst pipes, or flooding, water can affect structures, systems, and belongings. Quick documentation, policy review, and insurer notification are key. Since standard insurance usually excludes floods, separate coverage is essential in high-risk areas. A trusted adjuster can help streamline the claims process.
Our Process
Your Step-by-Step Guide to Water/Flood Damage Claims

Prioritize Safety
Before you start documenting damage, ensure that your home is safe. Turn off electricity and gas if there’s flooding, and avoid entering areas with standing water to prevent electrical hazards or further injury.

Document The Damage
Take detailed photos and videos of the flood or water damage. Capture the full extent of the damage, from structural issues to ruined personal property. Don’t discard damaged items until your insurer has seen them — this will be crucial to support your claim.

Review Your Insurance Policy
Check your homeowner’s insurance policy to determine if water or flood damage is covered. Standard policies often don’t include flood damage, so if you live in a flood-prone area, you may need separate flood insurance through the National Flood Insurance Program (NFIP).

Report the Damage Immediately
Contact your insurance company as soon as possible. Most offer 24/7 reporting online or by phone. Have your policy number and a clear description of the damage ready.

Mitigate Additional Damage
Take reasonable steps to prevent further damage, such as covering broken windows, using tarps for leaks, or removing standing water if it’s safe. Keep records of any temporary repairs or purchases, as these may be reimbursable under your policy.

Schedule an Inspection
Your insurance company will send an adjuster to assess the damage. Be sure to be present during this inspection, and share any documentation, photos, or videos you’ve collected. The adjuster will use this information to estimate repair costs and determine the payout.
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
Ready to Protect Your Home and Maximize Your Claim?
Think you have Water/Flood 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
Immediately after water damage occurs, ideally before any cleanup, so hidden losses are captured and documentation is thorough.
They perform detailed inspections, identify hidden damage, use moisture meters, document losses, and negotiate on your behalf.
Contact Guardian Public Adjusting, document the damage with photos/videos, and preserve evidence before cleanup
Our experts conduct thorough damage assessments, navigate flood vs. water coverage, use advanced documentation, and negotiate aggressively to maximize your result, often tens of thousands more than filing alone.
We handle documentation, file your claim, assess damage, prepare estimates, and negotiate a settlement on your behalf.
Our licensed team represents you, preserving hidden losses, ensuring accurate valuations, and fighting for a full settlement.
Yes, Guardian has extensive experience managing home and commercial flood damage claims, including structural and business interruption losses
Contact us anytime, to begin with a free, no‑obligation consultation. We’ll guide you step by step from documentation to settlement.
Yes, but you risk undervaluing your losses or missing policy nuances without professional help.
They use tools like moisture meters, infrared imaging, and expert inspections for
comprehensive damage assessment.
It varies by complexity, but adjusters work to streamline timelines while ensuring all damage is accounted for.