Why a Florida Home Inspector Public Adjuster Changes Everything
Most homeowners hire an inspector and a separate adjuster. Additionally, they pay two professionals who rarely communicate. The result is missed damage and underpaid claims.
Javier Millones holds both a Florida Home Inspector license and a Florida Public Adjuster license. Moreover, this dual credential means he inspects your property with insurance outcomes in mind. Every finding is documented from the very first walkthrough.
One professional. Two licenses. Every finding documented for both your peace of mind and your insurance claim.
Furthermore, this approach eliminates the gap between inspection and claim. As a result, claims are filed with complete evidence. Thermal imaging, moisture readings, and structural findings all go into one report. Insurers have less room to deny or underpay.
Home Inspection Services
Comprehensive property inspections backed by thermal imaging, lab testing, and insurance-ready documentation.
Home Inspection Florida
A thorough evaluation of the property’s major systems and structural components. Specifically, every inspection includes a detailed report with photos. You can use the findings for negotiations or insurance.
What We Cover
- Roof and attic — structural integrity, ventilation, and leak indicators
- Electrical systems — panel condition, wiring type, and safety concerns
- Plumbing — supply lines, drain condition, and water heater age
- HVAC — cooling efficiency, ductwork, and system lifespan
- Foundation and structure — cracks, settling, and moisture intrusion
4-Point Inspections
Florida insurers now require a 4-point inspection for most homes over 20 years old. In fact, many carriers will not renew your policy without one. This assessment covers the four systems insurers care about most.
- Roof — age, material, condition, and remaining useful life
- Electrical — panel brand, wiring type, and amperage
- Plumbing — pipe material, water heater age, and polybutylene presence
- HVAC — system age, type, and operational status
Wind Mitigation Verification
A wind mitigation report documents the hurricane-resistant features of your home. Consequently, your insurer applies credits that reduce your annual premium. Savings often reach hundreds or even thousands of dollars.
- Roof deck attachment — clips, single wraps, or double wraps
- Roof-to-wall connections — how the roof is anchored to the structure
- Roof geometry — hip vs gable configuration
- Opening protection — impact-rated windows, shutters, or plywood
Additional Inspection Services
We also offer mold and air quality testing for properties with moisture concerns and infrared thermal imaging to detect hidden leaks, insulation gaps, and electrical hot spots.
Public Adjusting Services
Licensed representation for Florida homeowners dealing with property damage, underpaid settlements, and denied insurance claims.
Public Adjuster Florida
A public adjuster works for you — not the insurance company. Similarly to having your own attorney in a dispute, a licensed adjuster reviews your policy. Then they document your damage and negotiate your settlement.
- Policy review — identify what your coverage actually includes
- Damage documentation — thermal imaging, moisture maps, and itemized estimates
- Claim filing — submit a complete, properly formatted claim from day one
- Negotiation — push back on lowball offers with hard evidence
Water Damage Claims
Water damage is the most frequent property insurance claim in Florida. However, insurers routinely deny these claims. They classify damage as “gradual deterioration” or “maintenance neglect.” In contrast, a licensed adjuster documents the true cause and timeline.
- Pipe bursts and supply line failures — sudden and accidental coverage
- Roof leaks after storms — wind-driven rain and secondary damage
- Appliance failures — water heater, dishwasher, and washing machine leaks
- Hidden moisture — behind walls, under flooring, and in crawl spaces
Hurricane & Storm Recovery
After a hurricane, insurance companies deploy their own adjusters. Their goal is to minimize payouts. Meanwhile, homeowners deal with tarped roofs and lowball offers. A public adjuster levels the playing field.
- Wind damage — roof shingles, soffits, fascia, and structural framing
- Fallen trees and debris — removal costs and resulting property damage
- Flood and storm surge — separate from wind coverage, requires specific documentation
- Loss of use — temporary housing costs while your home is uninhabitable
Denied Claim Representation
A denied claim does not mean the conversation is over. In reality, many denials stem from incomplete documentation or adjuster error. Most importantly, Florida law gives homeowners the right to dispute a denial. You can reopen the claim with proper evidence.
- Denial review — analyze the insurer’s stated reason against your policy
- Supplemental evidence — new documentation, expert reports, and code citations
- Re-inspection requests — force the insurer to send a second adjuster
- Appraisal and mediation — formal dispute resolution under FL statute
Business Property Claims
For commercial property owners, we also provide commercial loss adjusting services. Similarly, business claims require detailed documentation and aggressive negotiation to recover the full cost of repairs and lost income.
What to Expect When You Call
The process is straightforward. First, you schedule an inspection or describe your claim. Then, we visit the property within the same week. For urgent damage, we often arrive within 48 hours.
After that, you receive a detailed report with high-resolution photos. It includes thermal imaging results and a clear assessment. For inspection clients, this report is yours. Share it with agents, lenders, or contractors.
For insurance claims, the process continues. Specifically, we file the claim with complete documentation. Then we handle all communication with the insurer. We negotiate until the settlement reflects the actual cost of repair. You do not pay anything upfront — our fee comes from the settlement.
Essentially, you make one call and we handle everything. From inspection to settlement — no middleman, no surprises.
Service Areas in Central Florida
On-site inspections and claims representation across Orlando and the surrounding counties.
About Javier Millones
Javier Millones is a dual-licensed Florida home inspector public adjuster based in Orlando. He holds credentials from both the Florida DBPR for home inspection and the Florida DFS for public adjusting.
In particular, this combination allows him to identify damage at the inspection level. Then he represents the homeowner through the entire claims process. Notably, very few property professionals in Florida carry both a home inspector and a public adjuster license.
Besides that, every inspection report meets insurance documentation standards. Whether you are buying a home or recovering from storm damage, the report works. It follows the evidentiary standards that support formal dispute proceedings. On top of that, reports include thermal imaging, moisture readings, and high-resolution photos of every finding.
Frequently Asked Questions
What is a Florida home inspector public adjuster?
A Florida home inspector public adjuster is a professional who holds two state licenses. The first license covers property inspections under the DBPR. The second license covers insurance claim representation under the DFS. In short, one person handles both sides of property assessment.
Do I need a public adjuster for my insurance claim?
No law requires you to hire one. However, most homeowners lack the training to document damage properly. Insurance companies have teams of adjusters, engineers, and attorneys. Consequently, hiring your own adjuster levels the playing field. According to the Florida OPPAGA, claims handled by public adjusters consistently result in higher settlements than self-filed claims.
How much does a home inspection cost in Orlando?
The cost depends on the property size, age, and type of inspection. For instance, a standard home inspection for a three-bedroom home typically takes three to four hours. Contact us for a quote specific to your property. Additionally, wind mitigation and 4-point inspections are often bundled at a reduced rate.
What areas do you serve in Central Florida?
We serve Orlando, Winter Park, Windermere, and the surrounding communities. Specifically, we cover Orange County, Osceola County, and Seminole County. For properties outside these areas, contact us to check availability and scheduling options.
How soon can you inspect my property?
We schedule most inspections within the same week. For emergency situations like storm damage or active leaks, we prioritize same-day visits. After the inspection, you receive your report within 24 hours.
What is the difference between a company adjuster and a public adjuster?
A company adjuster works for the insurance carrier. Their job is to protect the insurer’s bottom line. On the other hand, a public adjuster works exclusively for you. We review the same policy, inspect the same damage, and negotiate with the same carrier. The difference is who we represent. Consequently, our goal is to maximize your settlement — not minimize it.
What happens if my insurance claim is denied?
A denial is not the final answer. First, we review the denial letter against your policy. Then we gather supplemental evidence. Finally, we resubmit or escalate through Florida’s dispute resolution process. In most cases, proper documentation reopens the claim.
Schedule Your Inspection or File a Claim
Same-week availability for inspections. Free initial consultation for denied claims. One call, two licenses. See our legal compliance page for licensing details and disclosures.
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