We review your situation
We review your policy, damage, and claim status.
Florida public adjusters
Florida policyholders deserve what they’re owed.
From the Gulf to the Atlantic, Florida homeowners face hurricanes, surge, and flooding year after year — and carriers that fight every claim.
!
No recovery, no fee.
Denied. Underpaid. Not Fair.
We help.We help policyholders with new, denied, underpaid, and closed claims.
Start My Free Claim Review →We only get paid when you do.No recovery, no fee.
How We Help You
We build your case
We document the damage and prepare your claim.
We advocate for you
We advocate for your best interests throughout the claim.
You receive your recovery
Our goal is to maximize your claim recovery.
Claims We Handle
Property Claims Common Across Florida
From the Gulf to the Atlantic, Florida homeowners face hurricanes, surge, and flooding year after year — and carriers that fight every claim.
◉
01
≈Hurricane & Wind
Hurricane, tropical storm, roof, structural, and water-intrusion losses.
Explore Hurricane & Wind →02
◆Storm Surge
Coastal storm-surge and wind-driven water losses carriers frequently dispute.
Explore Storm Surge →03
≋Flood & Water
Flooding, burst pipes, hidden moisture, and water-related losses.
Explore Flood & Water →04
Severe Storms
Severe thunderstorm and straight-line wind damage across the region.
Explore Severe Storms →Your claim. Your advocate.
Insurance Companies Have Adjusters. So Should You.
Canopy Claims represents policyholders throughout Florida. We review the policy, document the complete loss, communicate with the carrier, and advocate for the settlement the policy provides.
Our team assists with new claims as well as denied, delayed, underpaid, and closed claims. The initial consultation is free, and there is no recovery fee unless we recover money for you.
LicensedInsurance Claims
Experience
Experience
FloridaLicensed Representation
FreeClaim Review
No RecoveryNo Fee
A free service for every policyholder
Know What Your Policy Covers Before You Need It
You do not need an active claim to ask for help. We offer a free policy review to explain important strengths, limitations, deductibles, and exclusions in plain language.
- Review an existing home or commercial policy
- Compare multiple policies while shopping for coverage
- Request a written summary after your consultation
Free Policy Review
Insurance companies understand every line of your policy. You should too.
Schedule a complimentary call with our team. There is no obligation and no claim is required.
Schedule My Free Review →Real results.
Real People.
Canopy client results will be published here as claims close.
View Results & Testimonials →- Original Payment
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- New Money Recovered
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- Original Payment
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- New Money Recovered
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Results will be added as Canopy Claims Advocates closes claims. Results vary by claim.
Client Reviews
Reviews of Our Team
Client reviews will be posted here as Canopy Claims Advocates completes claims.
Client reviews for Canopy Claims Advocates will be posted here.
Canopy ClientClient reviews for Canopy Claims Advocates will be posted here.
Canopy ClientClient reviews for Canopy Claims Advocates will be posted here.
Canopy ClientFrequently Asked QuestionsQuestions Are Free.
Questions Are Free.
So Are Honest Answers.
If you are unsure whether you have a claim—or whether your insurer handled it correctly—start with a conversation.
Ask About My Situation →What is a public adjuster?+
A public adjuster is a licensed insurance professional who represents the policyholder—not the insurance company—in preparing, documenting, and negotiating a property claim.
When should I contact Canopy Claims?+
As early as possible after discovering damage. We also review a denied, underpaid, delayed, or closed claim to explain the available options.
How does Canopy Claims get paid?+
We only get paid when you recover money through the claim. No recovery means no fee. The applicable agreement and state rules will be explained before representation begins.
Can you review my policy if I do not have a claim?+
Yes. Our free policy review is available to anyone, including property owners comparing multiple policies before purchasing coverage.
Do you represent homeowners and businesses?+
Yes. We assist residential, commercial, rental, and vacation-property owners with covered property losses.
Independent help · Official references
Florida insurance and recovery resources
Insurance questions, laws, and practical assistance beyond Canopy Claims. You can contact these organizations directly without hiring us.
Insurance help
Contact your state insurance agency for consumer questions, complaint instructions, and available assistance.
Read the official law
Use the original statute or the regulator’s statute directory. Check the applicable edition, effective dates, exceptions, and claim circumstances before relying on a provision.
These references apply to Florida; they are not nationwide rules.
Local and community help
Use the emergency-management resource to find current guidance for your area. For housing, food, or utility assistance, use 211 to locate programs by ZIP code; availability and eligibility vary.
Sources reviewed September 29, 2026. Agency services and legal requirements can change; follow the linked official source. For immediate danger, call 911.
What the research foundWith a public adjuster.
With a public adjuster.
Without a public adjuster.
A 2010 Florida legislative study found substantially higher payments in some Citizens claim groups with public-adjuster representation.
747% higher
- Without a public adjuster
- $2,029
- With a public adjuster
- $17,187
574% higher
- Without a public adjuster
- $1,391
- With a public adjuster
- $9,379
19% higher
- Without a public adjuster
- $18,659
- With a public adjuster
- $22,266
Source: Florida OPPAGA Report 10-06, pages 7–9. It examined Citizens claims filed March 2008–June 2009, including new and reopened claims. These are historical comparisons between groups—not increases to the same claims, national averages, or Canopy Claims results. They do not establish that hiring an adjuster caused the difference. Figures are before public-adjuster fees; represented claims generally took longer to settle. Your outcome depends on your policy and loss. Read the original study ↗
Find out what your own claim needs.
A headline percentage cannot evaluate your property. A careful review can identify the questions, documentation and disputed items that deserve attention.
Request My Free Claim Review →You Pay Nothing
Unless We Win.
Schedule your free consultation today.
✓No Fees Unless
We Win▣No Obligation
Case Review◎100% Focused on Maximizing
Your Recovery
We Win▣No Obligation
Case Review◎100% Focused on Maximizing
Your Recovery
▣ Schedule Your
Free Consultation☎ (813) 401-2983Mailing Address
5657 Sunset Falls Dr
Apollo Beach, FL 33572
Free Consultation☎ (813) 401-2983Mailing Address
5657 Sunset Falls Dr
Apollo Beach, FL 33572
Read the complete policy
Florida-specific policy provisions
Some Florida policies include an endorsement titled “Special Provisions — Florida” or similar. This form changes specified provisions in the underlying policy. There is no single identical Florida endorsement for every insurer or policy.
Compare the attached form number, edition and effective date with the policy that applied to your loss. Read the amended language alongside the base form and other endorsements. Canopy Claims reviews these documents together when evaluating your property claim.
Example insurer form listing: Florida special provisions · Understand policy endorsements