Sinkhole Damage Insurance Adjuster

Sinkhole activity can cause catastrophic damage to your property’s foundation. Claims Advocate Resolution Experts provides specialized sinkhole damage insurance adjuster services in Orlando, FL.

Top Sinkhole Damage Insurance Adjuster in Orlando, FL

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Michele Weise
August 7, 2025

Claims resolution experts were top notch adjusters. My insurance company wasn’t willing to give me anything for the damages to my house and Peter with claims resolution experts was able to get me enough to fix my house plus extra. I highly recommend this company especially Peter. Brooke in the office has been a great pleasure to deal with also. Don’t hesitate hiring this company. They will fight for you tooth and nail and win.

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Aischa
July 21, 2025

The Public Adjusters in this office are very knowledgeable and honest. I highly recommend them if you need any help with any damages to your home from storm damages, hurricane, fire etc. Thank you for your great work CARE TEAM.

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Hasan Barakat
July 20, 2025

My insurance declined my initial claim, after my friend recommendation, I called Nader, then magic happened, full roof replacement approval. Highly recommended.

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beverly bas
March 4, 2025

I had an amazing experience working with C.A.R.E! My claims adjuster, Maali, was with me every step of the way …from determining roof damage, to dealing with insurance, and to getting me a new roof as required by my insurance company… I had so many questions along the way, but Maali made it seamless. I highly recommend working with this company as they will put your mind at ease and get the job done!

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Natalie Andrade
February 4, 2025

My experience with Nader has been nothing but great. He is very quick with responding, very happy with his service.

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Donna Lynn
June 11, 2024

I had a great experience with Maali Maali. He is attentive to questions and extremely efficient in his approach to his work. I can't say enough about his character and professionalism as an adjuster. His responsiveness and attention to my case is remarkable. Thankful so much for his hard work.

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Doug Kman
April 24, 2024

Nader Maali and his Associates at Claims Advocate Resolution Experts are a genuine pleasure to work with! I’ve referred several clients to C.A.R.E to assist with resolution of their disputed Insurance Claims and I have only gotten positive feedback. I also work with C.A.R.E on property damage claim appraisals and they always provide meticulous documentation and superior administrative support (thank you Brooke!) I would recommend Nader and his team for any property damage claim that you may need assistance with.

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Emily Hernandez
April 15, 2024

After being denied my claim and having my insurance rate skyrocket to almost $500.00 a month they assisted me with compassion and understanding. The work on my roof was exceptional, quick, and very top tier. Now my insurance is now less than when I submitted a claim. I would highly recommend them. Win win win

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Sam Mari
April 11, 2024

If you are in search of a claims advocate look no further than resolution experts. Nate was extremely knowledgeable, professional and helpful during my challenging situation. I would highly recommend his services.

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James Meehan
March 27, 2024

Nate was very thorough and knowledgeable through out the entire process. He always answered text and calls promptly. His understanding of the claims process was undeniable. He obtained what we were entitled to . He is highly recommended.

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Jose Alarcon
March 26, 2024

My wife and I are thoroughly impressed with Nader from CARE Public Adjusters. His meticulous inspection uncovered issues in our home that had been overlooked by other inspectors. We would not hesitate to enlist his services again. Nader's professionalism and guidance have been invaluable in navigating the paperwork necessary to restore our home to its pre-storm condition. Thank you, Nader, for your exceptional assistance.

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HOMEFIX
March 26, 2024

Nader's exceptional service exceeded our expectations, securing substantially higher insurance proceeds than we could have managed independently to repair our damaged roof. Many thanks to Nader for his outstanding efforts and a job well done!

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Maz Rabah
March 26, 2024

Would you go into a court of law without being represented by an attorney? Absolutely NOT! Then a person should NEVER deal directly with ANY insurance adjuster that is trained to minimize the claims payout to you. Having the protection of a professional insurance advocate like Nader and his team will guarantee you the max payout to repair your property the correct way. If you want the the very best representation from a expert in the insurance claims business, look no further than Nader @ Claims Advocate Resolution Experts. Trust me....you wont find anyone with more extensive knowledge and understanding of all insurance claims!

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Danielle Guzman
March 26, 2024

So great and easy to work with!

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Riad Kilani
March 25, 2024

My insurance universal property and casualty was giving me a hard time about a water leak that happened in the kitchen. I brought in claims advocate resolution experts and they were able to identify the damage and get on it right away. Insurance still didn't want to pay so claims advocate resolution experts got the right attorney on the job who had the insurance company settle out. If I ever need them again they're on speed dial!

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Accounting Veronica
March 25, 2024

Nader had the most professional attitude and I enjoyed working with him. Highly recommend

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Rema Maali
March 25, 2024

I can't thank Claims Advocate Resolution Experts enough for their incredible help in navigating the insurance claims process. They were with me every step of the way, providing expert guidance and ensuring I received a fair settlement. Their professionalism and dedication to their clients are truly commendable. I highly recommend Nader from C.A.R.E to anyone in need of assistance with their insurance claims!

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tony albustani
March 25, 2024

Nader with Claims Advocate Resolution Experts went above and beyond - truly exceeded my expectations. He was very professional and addressed all my questions and concerns all along the way. I absolutely recommend their services.

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Danny Hilwa
March 25, 2024

My Insurance company denied my claim. I reached out to Nader with Claims Advocate Resolution Experts. He was able to over turn the denial from the insurance company and get me a very fair settlement. I definitely recommend their services .

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Susan Ibrahim
March 24, 2024

Throughout the whole process you were very professional and a man of your word. I appreciated things went well and smooth. Definitely will refer you to others down the line.

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Alice Fatah
March 24, 2024

Nader did an amazing job. He was able to get the job done quick and explained every step of the process to me along the way.

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Andrea Rincones
March 24, 2024

Nader was absolutely a pleasure to work with and made the process of my claim quick and easy. He dealt with the insurance company and made sure we got what was fair for our damages.

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What truly sets Nader apart is his commitment to client satisfaction. He took the time to thoroughly explain each aspect of the process, patiently addressing any questions or concerns we had along the way. His transparency and clear communication fostered a sense of trust and confidence, reassuring us that our property was in capable hands.

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Stevenro402
March 23, 2024

I recently had the privilege of working with Nader for a commercial property claim, and I cannot express enough gratitude for his professionalism, expertise, and dedication throughout the entire process. From the moment we engaged their services, Nader demonstrated an unparalleled level of knowledge in navigating the complexities of commercial property insurance claims. His attention to detail and proactive approach was evident in every step, ensuring that our interests were fully represented and our claim was handled efficiently. I would highly recommend Nader to any commercial property owner in need of insurance claims assistance. His professionalism, integrity, and results-oriented approach truly set him apart in their field. Thank you, Nader, for your outstanding service and support!

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Mark Rodriguez
March 23, 2024

I can't thank Nader enough for his invaluable assistance with my house claim. His professionalism and dedication made a stressful situation much more manageable. He fought tirelessly on my behalf and delivered a favorable outcome. I wholeheartedly recommend his services to anyone seeking top-notch representation.

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Martha Buitrago
March 23, 2024

Thanks to Nader's advocacy and expertise, we were able to secure a fair and equitable settlement that far exceeded our expectations. Their dedication to maximizing our recovery while minimizing the stress and hassle associated with the claims process was nothing short of exceptional.

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Gerardo Lamour
March 23, 2024

Best of the best. All my clients are very happy with there service...

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A. MUBARAK
March 23, 2024

C.A.R.E. is an amazing alley to have when dealing with disasters at your home or business. Especially important when fighting against Insurance companies

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Hazim Mari
March 23, 2024

Quick efficient and honest, my kind of people. Thank you so much. How do you recommend anybody in need? Please don’t hesitate to call them!

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Kehle Antell
March 23, 2024

Best in the business!

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Graphics Unlimited
March 23, 2024

Great company best public adjuster I dealt with, the group has a top-tier track record for negotiating property insurance claims for businesses, condos, large commercial losses and residential property owners ,

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Bassem Wahab
March 23, 2024

The best very caring and professional!!!!

We Provide Sinkhole Damage Insurance Adjuster Services Beyond Orlando, FL

Our team provides expert representation for complex sinkhole claims in sinkhole prone communities across the entire Orlando metropolitan area. We are your dedicated public adjuster for this unique Florida peril:

Hour support available
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happy homeowners
properties inspected

Our Sinkhole Damage Claim Service in Orlando, FL

Understanding your insurance coverage is the first step in a sinkhole claim. In Florida, standard homeowner’s policies are required to cover “Catastrophic Ground Cover Collapse,” which is a very specific and severe event. However, for broader “sinkhole activity” that causes structural damage without a visible collapse, you must have purchased an optional sinkhole endorsement on your policy. Many homeowners are unsure what coverage they have. We begin with an in depth review of your policy to determine if you have the necessary coverage to file a claim for the type of damage your property is exhibiting. This initial analysis is crucial to setting a proper strategy.

The early warning signs of sinkhole activity can be subtle, but they are a cry for help from your home’s foundation. These signs include stair step cracks in exterior block walls, cracks in interior drywall around doors and windows, and cracks in the concrete slab or flooring. You might also notice that doors and windows become difficult to open or close, or that there are depressions forming in your yard. If you see these signs, it is critical to act quickly. Our public adjusters are trained to identify these indicators of potential subsurface activity. We document all of these signs as the initial evidence needed to justify opening a claim.

Once we have documented the signs of damage, we officially file the claim with your insurance company. Under Florida law, when a sinkhole claim is filed, the insurance company is obligated to hire a geologist or geotechnical engineer to test your property for sinkhole activity. We manage this process for you, formally demanding that the insurer begin this mandatory testing phase. We ensure they hire a qualified, neutral professional and that the testing is thorough. This investigation is the key to confirming the cause of your home’s distress, and we oversee the process to protect your interests.

After the geological testing is complete, the engineering firm will issue a detailed report with their findings. These reports are highly technical and can be difficult for a homeowner to understand. They will conclude whether sinkhole activity is the cause of the damage and will often recommend a method of repair, such as compaction grouting or underpinning. We have the expertise to interpret these complex geotechnical reports. We review them carefully to ensure the findings are accurate and that the recommended repairs are sufficient to fully stabilize your home. If we disagree with the insurer’s report, we can bring in our own independent experts to challenge their conclusions.

While the engineering report focuses on the subsurface issues, we focus on documenting the full extent of the resulting damage to the structure itself. We meticulously measure and photograph every crack in your foundation, walls, and ceilings. We document unleveled floors, damaged plumbing lines, and any other structural problems caused by the ground shifting. This creates a complete picture of the damage that needs to be repaired after the foundation is stabilized. This part of the claim is often overlooked but is essential for returning your home to its pre loss condition.

The cost of repairing a sinkhole damaged home is substantial. The claim must cover two major phases: subsurface stabilization and above ground repairs. The subsurface work, like compaction grouting, involves injecting a concrete mixture deep into the ground to fill voids and stabilize the soil. This is the most expensive part of the claim. Afterward, the claim must also cover all the cosmetic and structural repairs to the home itself, including foundation repairs, crack repairs, new flooring, and repainting. We work with stabilization contractors and builders to create a detailed, line item estimate for the entire scope of work, ensuring nothing is left out.

Negotiating a sinkhole claim is an intense, data driven process. Insurance companies will often dispute the engineer’s findings or offer a settlement that only covers cosmetic crack repairs without addressing the underlying foundation problem. We use the strength of the geotechnical report and our detailed damage assessment to fight for a settlement that covers the full cost of both stabilization and reconstruction. Our experience with these specific types of claims means we know the common tactics insurers use and how to defeat them. We are prepared to take the fight as far as necessary to get you the funds needed to secure your home’s foundation.

Commonly Asked Sinkhole Damage Insurance Adjuster Questions

Sinkhole damage is a unique and frightening experience for any Florida homeowner. The claims process is highly technical and confusing, leading to many urgent questions. Here are answers to some common concerns about sinkhole claims.

It can be difficult for a homeowner to know for sure if cracks are from normal settlement or from more serious sinkhole activity. Normal settlement cracks are often very small, hairline cracks that may appear as a house ages. However, there are several warning signs that suggest a more serious problem. Look for “stair step” cracks in the exterior brick or block walls. Inside, look for cracks that run diagonally from the corners of doors and windows. Other major red flags include floors that become unlevel, doors or windows that stick and become difficult to operate, and cracks appearing in the concrete slab foundation.

You might also notice changes outside your home. Look for depressions or soft spots forming in the yard, or trees and fence posts that have begun to lean. If you notice a combination of these signs, especially if they appear or worsen suddenly, it is a strong indicator that you may have a subsurface issue. Normal house settling typically does not cause these multiple, concurrent symptoms. It is important not to ignore these signs. The best way to know for sure is to initiate an insurance claim, which will trigger a professional geological investigation of your property.

A public adjuster from Claims Advocate Resolution Experts can visit your property for a free inspection. We are trained to identify the patterns and types of cracks that are characteristic of sinkhole damage. While we are not engineers, our experience allows us to provide an educated opinion on whether the signs warrant filing a claim. We can document these initial findings for you and guide you through the process of getting a definitive, professional answer through the insurance claim investigation, which is the only way to know for sure what is happening beneath your home.

Repairing a home with sinkhole damage is a two phase process that involves stabilizing the ground and then repairing the structure itself. The most common method for stabilizing the ground is called compaction grouting. This process involves drilling pipes deep into the ground in a grid pattern around and beneath the home’s foundation. A thick, concrete like grout mixture is then injected under high pressure into the loose soil layers. This grout fills any voids, compacts the loose soil, and creates a more stable base for the foundation to rest on.

In some cases, a method called underpinning may be recommended. Underpinning involves extending the home’s foundation down to a deeper, more stable soil layer. This is often done by installing steel piers or piles that are driven deep into the ground until they hit solid bedrock or a very dense soil layer. The foundation is then attached to these piers, effectively transferring the weight of the house onto this more stable stratum. This method is often used when the voids are too large or deep for grouting alone.

Once the subsurface stabilization is complete, the above ground structural and cosmetic repairs can begin. This may involve lifting and leveling the foundation, repairing cracks in the slab and walls, and fixing any plumbing or electrical systems that were damaged. Finally, all the cosmetic damage is repaired, which includes fixing drywall, repainting, and replacing flooring. The goal is to return the home to its pre-loss condition, both structurally and aesthetically. A public adjuster ensures the insurance settlement is sufficient to cover this entire, complex repair process.

This is a critical question with a two part answer under Florida law. Every standard homeowner’s insurance policy in Florida is required to provide coverage for something called “Catastrophic Ground Cover Collapse.” This is a very specific and narrowly defined event. To qualify, there must be an abrupt collapse of the ground cover, a depression in the ground that is clearly visible to the naked eye, damage to the building’s foundation, and the building must be condemned and ordered to be vacated by a government agency. This is a very high standard to meet and covers only the most extreme sinkhole events.

For the more common scenario, where a home is suffering structural damage from sinkhole activity but has not collapsed, you are only covered if you have purchased an optional “sinkhole coverage” endorsement on your policy. This is extra coverage that you must specifically choose and pay an additional premium for. This coverage is for “structural damage to the covered building, including the foundation, caused by sinkhole activity.” It covers the costs of stabilizing the land and repairing the foundation and home. Without this specific endorsement, you are not covered for this type of damage.

Because the coverage can be confusing, the first thing we do at Claims Advocate Resolution Experts is perform a thorough review of your insurance policy. We will determine if you have the necessary sinkhole endorsement to file a claim. If you only have Catastrophic Ground Cover Collapse coverage, a claim will be much more difficult, but not impossible if the damage is severe enough. Understanding your exact coverage is the essential first step in developing a strategy for your claim. We provide this policy analysis as part of our free consultation.

This is a very common and dangerous situation in sinkhole claims. If the insurance company is only offering to pay for cosmetic repairs, like patching drywall cracks and painting, you should not accept their offer. This offer implies that they are not acknowledging the underlying cause of the damage, which is the unstable ground beneath your home. Simply patching the cracks without stabilizing the foundation is a temporary fix at best. The cracks will almost certainly reappear as the ground continues to shift, and the structural integrity of your home will remain compromised.

This type of offer is a clear sign that you need professional representation from a public adjuster immediately. An offer for only cosmetic repairs means the insurance company is likely disputing the findings of the geotechnical report or is attempting to settle the claim for the lowest possible amount. Accepting this offer could prevent you from being able to claim the much larger costs of foundation stabilization in the future. It is a tactic designed to close your claim cheaply and transfer the long term risk back to you.

If you receive such an offer, we will immediately challenge it on your behalf. We will use the insurance company’s own engineering report (if it confirms sinkhole activity) to demand that they pay for the recommended subsurface repairs. If their report was inconclusive or denied sinkhole activity, we will bring in our own independent engineers to conduct a peer review or further testing. We will fight to ensure that the settlement covers the true cause of the problem, not just the visible symptoms.

Catastrophic Ground Cover Collapse is a specific peril that is mandatorily included in all standard Florida homeowner’s insurance policies. It is important to understand that it is legally distinct from “sinkhole damage.” The state legislature created this specific definition to cover only the most severe and disastrous sinkhole events. For your damage to be covered under this provision, a very strict four part test must be met. If even one of the four criteria is not met, there is no coverage under this part of your policy.

The first criterion is that there must be an “abrupt collapse of the ground cover.” This means the event must be sudden and severe, not a gradual sinking. The second criterion is that a “depression in the ground cover is clearly visible to the naked eye.” This means there must be an actual hole or depression in your yard that can be seen without any special equipment. The third criterion is that your home must have suffered “structural damage to the covered building, including the foundation.” This is usually evident from significant cracking and displacement of the foundation.

The fourth and final criterion is the most difficult to meet: the “covered building must be condemned and ordered to be vacated by the governmental agency authorized by law to issue such an order for that structure.” This means a local building official must declare your home unsafe for human habitation. Because all four of these conditions must be met simultaneously, it is very rare for a claim to qualify for Catastrophic Ground Cover Collapse. Most sinkhole related damage does not meet this extreme threshold, which is why having the separate sinkhole endorsement is so important for Florida property owners.

The statute of limitations for filing a sinkhole insurance claim in Florida has been a subject of legislative changes. Generally, the law requires that a claim for sinkhole damage be reported to the insurance company within a specific period, typically two years, from the time that you knew or reasonably should have known about the damage. This “discovery rule” means the clock starts ticking when you first notice the signs of a potential sinkhole problem, such as significant wall cracks or foundation issues. It is crucial not to ignore these signs and delay reporting them.

Waiting too long to report the damage can have severe consequences for your claim. If you report the claim after the statute of limitations has passed, the insurance company will have a legal basis to deny it outright, regardless of the severity of the damage. Even if you are within the legal timeframe, a significant delay can still harm your case. The insurer may argue that your delay allowed the damage to worsen, or that the damage was caused by some other event that occurred during the delay. Prompt action is always the best policy.

Because of these strict time limits, it is essential to contact a public adjuster as soon as you suspect you may have a sinkhole issue. We can provide a free inspection to assess the signs of damage and advise you on your options. If a claim is warranted, we will ensure it is filed promptly and properly, protecting your rights under the law. Do not risk losing your ability to get compensation by waiting. Let us help you navigate these critical deadlines from the very beginning.

When you file a sinkhole claim, your insurance company is required by Florida law to hire a professional engineering and geology firm to conduct an investigation to determine the cause of the damage to your home. This process typically involves several stages of testing. The initial phase often includes a visual inspection of the property and a review of the geological data for your area. The engineers will look at the pattern of cracks and take elevation measurements of your foundation to see if it is settling unevenly.

If the initial data suggests a potential subsurface issue, more invasive testing will be performed. The most common method is Standard Penetration Testing (SPT). This involves drilling several borings deep into the ground around your property. As the drill goes down, soil samples are taken at various depths and the density of the soil layers is measured. The data from these borings helps geologists create a profile of the soil beneath your home and identify any loose soil zones, voids, or “raveling” conditions that are indicative of sinkhole activity.

The engineering firm will then compile all their data into a comprehensive report. This report will state their professional opinion on whether sinkhole activity is the primary cause of the damage to your home. If they confirm sinkhole activity, the report will typically also recommend a plan for remediation, such as compaction grouting. This entire investigation process can take several months to complete. A public adjuster’s role is to monitor this process, review the final report, and ensure the investigation was conducted properly and the conclusions are sound.

Yes, hiring a public adjuster is one of the most effective actions you can take if your sinkhole claim has been denied. Sinkhole claim denials are common because the cost to the insurance company is so high. A denial is usually based on the report from the engineering firm hired by the insurer, which may conclude that the damage is not from sinkhole activity but from other causes like soil creep, settlement, or construction defects. A denial letter is not the end of the process; it is the start of a dispute.

When Claims Advocate Resolution Experts takes on a denied sinkhole claim, our first step is to obtain the insurer’s engineering report and perform a detailed technical review. We look for flaws in their data, methodology, or conclusions. We then bring in our own independent team of geologists and engineers to conduct a peer review of the insurer’s report and perform their own testing if necessary. This provides a second, unbiased expert opinion on the cause of the damage to your home.

Armed with our own expert report that confirms sinkhole activity, we formally challenge the insurance company’s denial. This new, conflicting expert evidence makes it very difficult for them to maintain their denial. We will aggressively negotiate for them to reverse their decision and pay the claim. If they still refuse, our detailed file and expert reports provide the strong foundation you would need to proceed with legal action. We have a strong history of successfully overturning unfair sinkhole claim denials.

We Are More Than Just Sinkhole Damage Public Adjusters!

While sinkhole claims require a unique and specialized set of skills, our core mission is to help property owners recover from any type of loss. Claims Advocate Resolution Experts provides the same expert, dedicated advocacy for more common perils like fire damage, water damage, and hurricane damage. We are your complete resource for any property insurance claim.

Why Property Owners Choose CARE As Their
Public Adjusters In Orlando, FL

We Fight for Fair Settlements

While insurance company adjusters work to minimize payouts, we work exclusively for you to maximize your rightful recovery under your policy terms.

Expert Policy Interpretation

Our team excels at interpreting complex policy language and identifying coverage benefits that insurance companies often overlook or undervalue.

Aggressive Negotiation

We challenge lowball offers, fight claim denials, and negotiate relentlessly using industry standards and expert documentation.

Complete Transparency

We provide clear explanations of your coverage, honest assessments of your claim’s value, and regular updates throughout the entire process.

Always Available When You Need Us

Business Hours

Monday-Sunday 9AM-7PM

Walk-ins Welcome

Appointments preferred but not required

Get Sinkhole Damage Insurance Claim Help Near You!

Contact Claims Advocate Resolution Experts for a free inspection and claim review by booking a call back using our 24/7 self service system or by calling (844) 932-2731 directly.