TIPS
Insurance Claim Denied in Florida? Here's What to Do Next
Your Florida insurance claim was denied — but it's not over. Learn your legal rights, how to appeal, and how a public adjuster can reopen the claim.
Florida's Trusted Public Adjusters
Property Damage in Florida? You Don't Have to Face Your Insurer Alone.
Insurance companies have their own adjusters. As a licensed Florida public adjusting firm, Kingwell Corp inspects your property, documents the full scope of the damage and presents your claim under the terms of your policy — with a free initial inspection.
Call us directly:(305) 401-3691
Free Consultation
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15,000+
Claims Handled Since 2019
Free
Initial Consultation
100%
Policyholder-Focused
FL
State Licensed & Certified
Florida State Licensed
Free Initial Inspection
Denied & Underpaid Claims
Fast Response
We Represent You
Results vary based on your policy terms, coverage limits, and the specific facts of each loss. Prior results do not guarantee or predict a similar outcome in any future claim.
Documented Damage Assessment
Line by Line
Why Kingwell?
Licensed Public Adjusters Working for Policyholders
We work exclusively for you — not the insurance company. Our licensed adjusters bring decades of combined experience documenting and presenting property damage claims across Florida.
We Review Denied or Underpaid Claims
Already received a denial or a low offer? We can review your policy and the carrier's position to determine whether the claim can be reopened.
We Handle All the Paperwork
From documentation to deadlines, we manage every step so you don't have to deal with the insurer.
Legal Backup If Needed
If your insurer disputes the claim, we collaborate directly with attorneys for mediations and appraisals.
Contingency-Based Fees
Our public adjusting fees are contingency-based and regulated by Florida Statute §626.854. All terms are disclosed in a written contract before any work begins.
Every Type of Property Damage, Fully Covered
From hurricane destruction to water intrusion — if your property was damaged, we document the loss and present your claim to the insurer.
Hurricane Damage
Wind, rain penetration, roof damage, structural loss — Florida's most complex claims. We know the detail hurricane policies require.
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Water Damage
Burst pipes, leaks, flooding — water damage claims are frequently disputed. We document the full scope of the repairs required.
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Fire Damage
Smoke, soot, and fire damage extends beyond what's visible. Our thorough inspection captures the complete extent of your loss.
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Mold Damage
Mold from hidden moisture is often denied by insurers. We track it to its source and build an undeniable case for coverage.
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Simple. Stress-Free. Effective.
How It Works
1
Free Property Inspection
We schedule a free on-site inspection and document every inch of damage — nothing gets missed.
2
Policy Review & Strategy
We analyze your insurance policy in plain language, explaining your coverage, rights, and deadlines.
3
Build & File Your Claim
We photograph, measure, and build a precise estimate, then file all documentation with your insurer.
4
Negotiate & Follow Through
We negotiate with your insurer on your behalf and keep you informed at every stage until the claim is resolved.
What Florida Homeowners Say About Working With Us
Real clients from across Central Florida, describing their experience in their own words.
"
★★★★★
My hurricane claim had been denied twice before Kingwell stepped in. They reviewed the policy, reopened the file and handled every conversation with the insurer for me. I finally felt like someone was on my side.
"
★★★★★
The insurance company's first offer didn't come close to what my water damage actually required. Kingwell documented everything room by room and presented it properly. The difference in how the claim was handled was night and day.
"
★★★★★
Professional, responsive, and genuinely engaged with our case. They explained every step clearly and never made us feel like just another file.
Testimonials reflect the individual experience of specific clients and are not a guarantee, warranty or prediction of the outcome of any other claim. Names abbreviated at the client's request.
Insurance Tips & Florida Property News
Stay informed. Know your rights. Maximize your claim.
HURRICANE
5 Things to Do Immediately After Hurricane Damage (Florida)
Hurricane damaged your Florida home? The first 48 hours decide your claim. Follow these 5 steps to protect your payout and maximize your settlement.
We Serve All of Central Florida
Licensed and operating throughout Orange, Osceola, Seminole, Lake and Polk Counties:
Orange CountyOsceola CountySeminole CountyLake CountyPolk CountyOrlandoKissimmeeAltamonte SpringsClermontLakelandSanfordWinter HavenCelebrationDaytona BeachOcala
Frequently Asked Questions
Questions? We Have Clear Answers.
What exactly is a Public Adjuster? +
A Public Adjuster is a licensed professional who works exclusively for you — not the insurance company. We evaluate your damage, prepare your claim, and negotiate your settlement.
How does your fee work? +
Our public adjusting services are provided on a contingency basis: the fee is a percentage of the settlement, regulated by Florida Statute §626.854 and disclosed in a written contract before any work begins. We review the terms with you during your free consultation.
Can you reopen a denied claim? +
Often, yes. We review your policy, re-inspect the property and gather supporting documentation to determine whether the claim can be reopened. Whether a reopened claim results in an additional payment depends on your policy terms and the facts of your loss.
How long does the process take? +
Simple claims can resolve in weeks; disputed claims may take several months. We keep you informed at every stage.
What types of properties do you cover? +
Residential and commercial — single-family homes, condos, apartments, office buildings, retail spaces, and more.
What if my insurer disputes again? +
We collaborate with attorneys who specialize in insurance disputes for mediations and appraisals.
Public adjuster fees are contingency-based and regulated by Florida Statute §626.854. All fees and terms are disclosed in a written contract signed before any work begins.
Still have questions?
Call (305) 401-3691 — free, no obligation.