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Free initial damage review · Statewide Florida · Residential and commercial

Florida Loss Review

Whole-property damage review for Florida owners

Property damage can become a second full-time job.

Tell us what happened. We review the damage, evidence, property and current insurance situation as a whole—then help you determine the right next step.

Start My Free Damage ReviewSee How the Review Works

No automatic claim filing. No obligation to hire a provider. Start with a human review.

Expert-led review · Statewide Florida · Residential and commercial

Free initial damage review

Start your free initial damage review

Step 1 of 4 · About 2–3 minutes

  1. Step 1 current
  2. Step 2 upcoming
  3. Step 3 upcoming
  4. Step 4 upcoming

Situation

What is happening with the property?

Is the damage active or getting worse? (required)
Where are you in the insurance process? (required)
Property use (required)

Review led by Ian Schuler, Florida Public Adjuster W679380.

Whole-loss review and coordination

The first answer is rarely the whole answer

The first contractor may correctly address one specialty. The risk is allowing that first repair to move the entire loss forward before the remaining questions are understood.

  1. 01

    They address their part

    Roofing, plumbing, mitigation, restoration, mold, reconstruction, or another specialty.

  2. 02

    The remaining issues stay with the owner

    Cause, hidden damage, sequence, documentation, insurance questions, and coordination may remain.

  3. 03

    FLR looks across the loss

    We identify what still matters, what comes next, and which resources may fit.

A leak is rarely just a leakA plumber may stop the source while moisture, damaged materials, reconstruction, or documentation questions remain.See what else may be involved

Depending on the facts, the response may involve:

  • 01Leak detection
  • 02Plumbing repair
  • 03Moisture or mitigation review
  • 04Mold or reconstruction questions
  • 05Documentation or insurance review

Those questions are easier to evaluate before conditions change or finished work must be reopened.

Sometimes the plumbing repair is the full answer. The review helps clarify when it may not be.

The facts determine which professionals may help

Depending on the situation, Florida Loss Review may help identify or coordinate appropriate contractors, engineers, attorneys, adjusters, inspectors, and restoration professionals.

Explore available resources

Investigate

  • Leak detection
  • Inspections
  • Engineering
  • Cause and origin analysis

Protect and stabilize

  • Emergency mitigation
  • Water restoration
  • Mold services
  • Temporary protection

Repair

  • Plumbing
  • Roofing
  • General contracting
  • Flooring and specialty trades

Navigate

  • Insurance review
  • Public adjusting
  • Legal services
  • Property assistance

The homeowner remains free to select any provider. Each professional is engaged separately and is responsible for their own scope, agreement, advice, pricing, and work. These professionals are not Florida Loss Review employees.

Supporting property intelligence from PolicyAngel

Property context can support the Florida Loss Review process.

PolicyAngel may help organize available property characteristics, permit or improvement history, weather context, and supporting evidence. Availability varies by property; Florida Loss Review remains the review and next-step coordination service.

PolicyAngel

Founder-led review

A whole-property review led by Ian Schuler.

Ian has worked in Florida property losses since 2019, with experience across more than 1,000 residential and commercial property losses and individual loss experience reaching approximately $3 million.

Ian Schuler

Founder, Florida Loss Review

Florida-licensed public adjuster · Verify Florida license W679380

We begin with the loss—not a predetermined service—so the facts can determine whether one contractor is sufficient or specialized professional input may help.

  • Hurricane, water, and roof losses
  • Residential and commercial property losses
  • Complex property-loss situations

How it works

One review. A clearer path for the property.

  1. STEP 01

    Tell us what happened

    Share the damage and current claim or repair activity.

    Next:
  2. STEP 02

    We review the whole situation

    We consider urgency, unresolved questions, possible causes, and relevant disciplines.

    Next:
  3. STEP 03

    We map the practical path

    We identify priorities, missing information, and appropriate providers.

    Next:
  4. STEP 04

    Move forward with clearer direction

    You control next steps. Specialized work begins separately.

Why Florida Loss Review exists

Florida losses leave little room for error

The wrong contractor sequence can make a loss more expensive, leave parts of the property unresolved, or remove information another professional may later need. Waiting too long for technical input or representation can also limit the options still available.

Not every loss becomes an insurance claim. When insurance may be involved, timing, documentation, and the order of work can affect what professionals are still able to inspect, support, or change.

  • 61%

    Citizens claims closed with no payment

    Citizens closed 61% of its 2025 homeowner claims without payment.

  • 42%

    Closed Milton homeowner claims with no payment

    About 42% of closed Hurricane Milton homeowner claims had no payment as of December 9, 2025.

  • $4.35M

    Paid through Florida’s contractor recovery fund

    Florida paid $4,352,242 through its Homeowners’ Construction Recovery Fund in 2025 to assist eligible homeowners who suffered financial losses involving licensed contractors.

Why timing and sequence matter
  1. 01

    Work sequence

    Repairs, demolition, drying, testing, and reconstruction can affect one another. Work performed in the wrong order may cause rework or leave part of the loss unresolved.

  2. 02

    Documentation

    Photos, records, damaged materials, measurements, and visible conditions may matter before repairs or cleanup change what can still be observed.

  3. 03

    Professional timing

    Once work is complete, materials are discarded, conditions change, or applicable deadlines pass, a later professional may have less information and fewer practical options to work with.

Early review helps distinguish a straightforward repair from a situation where more information or timely professional input may protect the options still available.

Claims may close without payment for different reasons, and recovery-fund eligibility is limited. These figures do not establish wrongdoing in every case. They show why damage, coverage, deductibles, evidence, proposed repairs, and contractor credentials should be understood early.

Property damage review

What kind of property problem are you facing?

The visible damage may be only one part of the loss. FLR reviews how the issues may connect.

  • Water and plumbing damage

    Active leaks, supply-line or appliance failures, drain backups, and resulting interior damage.

  • Roof, wind, hail, and storm damage

    Leaks, missing materials, wind or hail effects, and damage found after severe weather.

  • Fire, smoke, and contents damage

    Building and contents damage, smoke contamination, temporary protection, and restoration needs.

  • Mold and moisture concerns

    Persistent moisture, hidden water conditions, microbial growth, and unresolved sources.

  • Structural and building damage

    Cracking, movement, impacts, compromised components, and conditions needing specialized evaluation.

  • Commercial property and business interruption

    Building, equipment, or inventory damage, operating disruption, lost income, and additional expenses.

Start My Free Damage Review

Already filed a claim?

An open, denied, underpaid, or paid claim can still leave important property and next-step questions unresolved.

FLR reviews the existing file to identify missing documentation, unresolved issues, and practical next steps.

Review My Existing Claim

Situations worth a closer review

  • Damage appears missing from the carrier estimate
  • A payment was issued without a clear breakdown
  • Repairs cannot be completed for the amount allowed
  • A denial relies on facts the property owner disputes
  • Additional damage was found after the original inspection
  • Business interruption or additional expenses were not fully documented
  • Repair-program or contractor requirements are unclear
  • The owner does not know what evidence is still needed

Florida legislative research

When a loss may require deeper review or licensed representation

Review the research, statistic, and qualifications

A historical Florida legislative analysis of 76,321 Citizens claims found higher payments in several claim categories involving public adjusters.

Some losses may warrant specialized representation. It is not appropriate for every loss, and no study guarantees an individual outcome.

747% higher

Median payments for 2005 hurricane claims

Florida Legislature, OPPAGA Report No. 10-06. Claims filed from March 2008 through June 2009.

Read the OPPAGA report

Study limitations

Results varied by claim category. This was an observational study; represented claims generally took longer to resolve, and payments were reported before public-adjuster fees. The findings do not establish that representation alone caused the differences.

Research and supporting context

Additional context when the loss calls for it.

01

Forensic weather

Compare event timing with physical evidence, photographs, inspections, permits, and prior repairs.

Weather activity alone does not establish causation or date of loss.

02

Assistance research

Research grants, rebates, tax incentives, hardening programs, disaster assistance, financing, and other possible resources.

Availability, eligibility, funding, and benefits vary. No award is guaranteed.

Start with a clearer picture

You do not have to figure out the loss alone.

Tell us what happened. Florida Loss Review will look across the situation and help identify what deserves attention next.

Start My Free Damage Review

No claim is filed automatically. Specialized services begin separately.