01Licensed Florida Public Adjuster · G272980
Your insurance company has an adjuster.
You should too.
I document, prepare, and negotiate property claims for Florida homeowners and businesses—so you can focus on getting back to normal.
Water · Roof · Storm · Fire · Denied & underpaid claims
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Free property inspection(786) 608-5503
01Florida licensed
02Residential + commercial
03English + Español
Property claim support
When your property is damaged, every detail matters.
From the first inspection to the final negotiation, I build the documentation your claim needs and represent your interests—not the insurance company’s.
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04Denied or underpaid
A closer review when a claim was denied, delayed, or paid below the repair scope.
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06Optional second step
Already have claim details, photos, or insurance documents?
Use the secure claim-review portal after your first request—or anytime you want Jose to see the full claim file before calling you.
- Property and claim status
- Carrier and date-of-loss details
- Private photo and document uploads
Documented claim outcomes
Real results, verified in the claim documents.
Five documented case studies show the original claim problem, how Jose stepped in, and the final outcome.
01✓Verified from carrier documents
Wind & roof claim
Olga · Orlando, FL
Initial insurance payment$0
Final payment$54,815.33
$54,815.33 additional recovery
The problem
The carrier's initial decision resulted in no payment for the wind and roof loss.
How Jose helped
Jose documented the full damage scope, prepared the supporting claim file, and helped move the dispute through appraisal.
02✓Verified from carrier documents
Wind, roof & interior
Yosvanis · Miramar, FL
Initial insurance payment$988.07
Total insurance payments$46,850.40
$45,862.33 additional recovery
The problem
The initial payment was only $988.07 for damage involving the roof and interior.
How Jose helped
Jose identified missing damage, organized the evidence, and presented a more complete claim for the property owner.
03✓Verified from carrier documents
Wind & roof claim
Erick · Miami, FL
Initial insurance payment$0
Appraisal award$55,595.49
$55,001.36 increase in recognized loss
The problem
The carrier's initial decision resulted in no payment for the documented wind and roof loss.
How Jose helped
Jose developed the damage scope, organized the supporting evidence, and helped move the dispute through appraisal.
04✓Verified from carrier documents
Wind, roof, water & mold
Luis · Tampa, FL
Initial decisionInterior coverage denied
Appraisal payment$47,810.94
$0 prior payment
The problem
The carrier denied interior coverage in a roof, water, and mold claim.
How Jose helped
Jose connected the related damage, documented the affected areas, and supported the client through appraisal.
05✓Verified from carrier documents
Wind, roof & other structures
Thomas · Cape Coral, FL
Initial insurance payment$28,966.16
Final total insurance payments$57,635.23
$28,669.07 net increase after appraisal
The problem
The first payment did not resolve the full wind, roof, and other-structures loss.
How Jose helped
Jose developed the remaining scope and documentation needed to support the appraisal claim.
First names and cities are shown with permission; other identifying information is withheld. Case summaries are based on claim documents and are not direct client quotations. Results vary, and prior results do not guarantee a similar outcome.
Discuss your claim →A clear process
You handle your property. I handle the claim.
A well-prepared claim moves through clear stages. Jose keeps the documentation, communication, and next steps organized from the first review through resolution.
Request a free inspection →Protect
Address urgent safety concerns and take reasonable steps to prevent additional damage.
Review
I review the policy, claim history, carrier letters, and the issue that remains unresolved.
Inspect
I assess affected areas and document visible and related property damage.
Prepare
I organize photographs, estimates, reports, inventories, and the documented repair scope.
Coordinate
I help coordinate inspections and communicate with the insurance company about the claim.
Negotiate
I present the documented loss and advocate for a fair resolution under the policy.
Resolve
I explain the outcome, remaining steps, and any appraisal or mediation question that may apply.
What you can expect
Clear communication. Organized evidence. Honest next steps.
Direct communication
Your questions and claim updates stay connected to Jose and his support team.
Detailed documentation
The property damage, repair scope, photographs, and claim history are organized around the facts.
Bilingual guidance
English and Spanish support helps your household understand what is happening and what comes next.
Prompt follow-up
The team’s response goal for website requests is within one business day.
Licensed in FloridaG272980
Meet your advocate
A local expert in your corner.
I’m Jose Cruz, an independent Public Adjuster affiliated with Caliber Public Adjusters, a Florida-licensed firm. I represent property owners throughout Florida and make a complicated claims process easier to understand and manage.
You get direct communication, careful documentation, and someone who works for you—not the insurance company.
Your claim support team
Real people helping you stay informed.
Jose leads the claim strategy and inspection work. Diego and Valeria support client communication and help keep follow-up organized through the central office.
Jose M. Cruz
Licensed Public Adjuster · G272980
Diego Prada
Client support assistant
Valeria Sifontes
Client support assistant
All website requests are routed to Jose and the support team. Jose@caliberadjusters.com · (786) 608-5503
Serving Florida property owners
Local help. Statewide reach.
Based in South Florida and available for residential and commercial property claims throughout the state.
Common questions
Clear answers before you decide.
01What does a public adjuster do?+
A public adjuster represents the property owner—not the insurance company—by documenting damage, preparing the claim, and negotiating through the claim process.
02When should I contact Jose?+
Contact Jose as soon as possible after discovering property damage, or when a claim has been delayed, denied, or paid below the documented repair scope.
03Can Jose review a denied or underpaid claim?+
Yes. Jose can review the policy, claim history, damage documentation, and carrier decision to identify the next appropriate steps.
04What types of losses do you handle?+
Water, plumbing, roof, wind, hurricane, fire, smoke, mold-related damage, denied or underpaid claims, and commercial property losses.
05What should I have ready?+
If available, gather your policy, claim number, carrier letters, estimates, photographs, and any payment documents. Jose can help organize what is missing.
06Is the initial inspection free?+
Yes. The initial property inspection and claim evaluation are free and come with no obligation. Any representation terms are explained before you sign an agreement.
07What is appraisal in an insurance claim?+
Appraisal is a policy-based process generally used to resolve a disagreement about the amount of a covered loss, such as repair scope or pricing. The exact steps and effect depend on the appraisal clause in your policy.
08What is property insurance mediation?+
Mediation is a settlement conference with a neutral mediator who helps the parties discuss the dispute. The mediator does not impose a decision, and Florida’s DFS program has specific eligibility rules.
Contractors · Clients · Community partners
Know a property owner who needs claim help?
Send Jose a secure referral with the property owner's permission. A short introduction can help them connect with a licensed Public Adjuster.
Refer a property owner →No policy documents are needed. Submission does not create a compensation agreement.Free claim evaluation
Tell me what happened.
Share a few details and I’ll follow up to schedule your free property inspection. No obligation.