Residential Claims
Hurricane, water, roof, mold, fire, and theft claims for homeowners. We document the damage, prepare the claim, and negotiate with your insurer so you recover what your policy actually owes you.
We document it. We negotiate it. You recover it.
Hurricane, water, roof, mold, fire, and theft claims for homeowners. We document the damage, prepare the claim, and negotiate with your insurer so you recover what your policy actually owes you.
- Hurricane and windstorm damage
- Water and plumbing losses
- Roof damage and leaks
- Mold and fire claims
Every file is handled by a licensed adjuster, on contingency. You pay nothing upfront and nothing at all unless we recover for you.
Start your free reviewWhat does a residential public adjuster do?
A residential public adjuster represents you, the homeowner, instead of the insurance company on a property damage claim. We inspect the loss, build a complete line-item scope, file or re-open the claim, and negotiate the settlement. We handle hurricane, wind, water, roof, fire, smoke, mold, theft, and the resulting interior and contents damage, on contingency.
When you need residential claims help
- You just had a loss and want the claim documented and filed correctly the first time
- Your insurer's offer feels low or doesn't cover the full repair
- Your claim was denied, delayed, or paid below your contractor's estimate
- The damage is complex or layered: roof plus water intrusion plus mold
- You're overwhelmed by the paperwork, deadlines, and back-and-forth with the carrier
How residential claims work with Vanguard
- Free inspection & policy reviewWe document every area of damage and read your policy so you know what you're actually owed, at no cost.
- We build the claimA detailed, photo-backed, line-item scope with accurate repair estimates, built to the standard the carrier demands.
- File and meet the adjusterWe file or re-open the claim and meet the carrier's field adjuster on site so nothing gets quietly dropped.
- NegotiateWe push back on omissions, depreciation, and lowball line items, invoking the policy's appraisal clause when needed.
- Settle and recover depreciationWe confirm the settlement is fair and that any withheld recoverable depreciation is released so you can fully repair.
How we build your case
The settlement follows the documentation. Here's what we put on the record so the claim is decided on evidence, not the carrier's first impression.
- Dated photos and video of every damaged area, inside and out
- Moisture and thermal readings that reveal hidden water damage
- A room-by-room contents inventory with values
- Licensed contractor repair and replacement estimates
- Code-upgrade and matching line items the carrier tends to omit
- A clear causation record tying the damage to a covered event
Why this beats going it alone
On your own, you're negotiating against a professional adjuster whose job is to settle for the carrier's number, using their estimate, their depreciation, and their scope. We level that field: an independent, licensed adjuster who builds the claim to the same professional standard the insurer uses, so the conversation is about evidence, not adjectives.
What it costs: no recovery, no fee
We work on contingency, so there are no upfront fees, and if we don't recover, you don't pay. The fee for your claim is set out in the written contingency agreement we review with you before you sign. You also have the right to cancel a public adjuster contract without penalty within a short window after signing: 10 days in Florida (30 days during a declared emergency) and five business days in South Carolina, so you're never locked in.
Want the full breakdown of how public adjuster fees work? See our public adjuster cost guide.
Residential Claims FAQ
No upfront fees. No recovery, no fee.
A licensed public adjuster works your claim from first inspection to final settlement.
Real reviews from the policyholders we represent.
4.6 ★ average from 9 verified reviews · Read them on Google
Have a residential claim?
A licensed public adjuster will review your loss and policy for free.