Licensed, Bonded, and Fighting for Policyholders Daily

In the chaotic aftermath of a storm or fire, the world of insurance can feel like a labyrinth designed to confuse you. Terms like “indemnity,” “actual cash value,” and “deductible” are thrown around, while the clock ticks on your recovery. Amidst this confusion, you need a beacon of clarity and strength. You need a partner who is not just knowledgeable, but legally empowered to stand up to the insurance giants on your behalf. At US CARE Claims, we are that partner. We are licensed, bonded, and dedicated to fighting for Orlando policyholders every single day.

Many homeowners assume that their insurance company is on their side. They believe the adjuster sent to their home has their best interests at heart. Unfortunately, the reality is often quite different. Insurance is a business, and like any business, it aims to protect its bottom line. This often means minimizing payouts, delaying claims, or denying coverage based on technicalities. To level the playing field, you need a professional whose sole legal and ethical duty is to you, the policyholder. That professional is a Public Adjuster.

The Power of the License

In the state of Florida, the title of “Public Adjuster” is not one that can be claimed lightly. It is a professional designation granted by the Florida Department of Financial Services after rigorous testing, background checks, and proof of financial responsibility. When we say we are licensed, it means we have met the state’s high standards for competence and ethics. It means we are legally authorized to interpret your insurance policy, negotiate with your carrier, and advocate for your settlement.

This license is your shield. It ensures that the person handling your claim understands the complex statutes that govern insurance in Florida. We know the deadlines the insurance company must meet. We know the specific language they must use in their communications. We know what they can do, and more importantly, what they cannot do. An unlicensed contractor or a well-meaning family member simply does not have this authority or expertise. They cannot legally negotiate your claim, and attempting to do so can actually harm your case.

When you hire a licensed public adjuster from US CARE Claims, you are hiring a professional who is held to a strict code of ethics. We are required to put your interests above our own. We are required to be transparent, honest, and diligent. This level of accountability is missing when you rely solely on the insurance company’s adjuster, whose primary obligation is to their employer.

Bonded for Your Protection

Beyond our license, we are also bonded. A surety bond is a financial guarantee that protects you, the consumer. It is a promise, backed by a financial institution, that we will adhere to the laws and regulations of our profession. Florida law requires all public adjusters to maintain a $50,000 surety bond. This requirement is in place to provide an extra layer of security for policyholders.

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Being bonded is a mark of professionalism and stability. It demonstrates that we are a legitimate business that takes its responsibilities seriously. In an industry where “storm chasers” and fly-by-night operators can descend after a disaster, our bond is proof that we are here to stay. We are committed to the Orlando community and to ethical business practices.

This bond provides you with peace of mind. It means you are working with a firm that has “skin in the game.” We are not just looking for a quick payout; we are building a reputation based on trust and results. When you entrust us with your claim, you can be confident that your financial interests are protected by more than just a handshake.

The Daily Fight: What We Do for You

Our job description is simple yet profound: we fight for you. But what does that look like on a daily basis? It is not just about arguing on the phone. It is a comprehensive, multi-front campaign to secure the settlement you deserve.

The fight begins at your property. We don’t just “look” at damage; we investigate it. We use state-of-the-art technology, including thermal imaging cameras and moisture meters, to find the hidden damage that insurance adjusters often miss. We document everything with professional-grade photography and detailed notes. We build a file of evidence that is undeniable.

Every insurance policy is a unique legal contract. We dissect yours line by line. We look for the specific endorsements and exclusions that apply to your loss. We find the coverage “hidden” in the fine print—coverage for things like code upgrades, debris removal, and additional living expenses. We ensure that every benefit you paid for is activated.

Insurance companies use software to estimate repair costs. Often, these estimates are based on generic, outdated pricing that does not reflect the reality of the Orlando market. We create our own independent, line-item estimates using real-world local pricing. We fight to ensure you are paid enough to hire quality contractors, not just the cheapest bidder.

This is where the rubber meets the road. We handle all communication with the insurance company. We present our evidence, our estimates, and our policy interpretation. We rebut their denials and challenge their lowball offers. We use our knowledge of Florida statutes to hold them accountable for delays and unfair practices. We are relentless in our pursuit of a fair resolution.

Why “Daily” Matters

Insurance claims are not static events; they are dynamic processes that require constant attention. Deadlines must be met. Requests for information must be answered. New evidence must be submitted. If a claim sits idle, it stagnates. The insurance company is happy to let a file gather dust. We are not.

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“Fighting daily” means we are proactive. We are constantly pushing your claim forward. We are following up on emails, returning calls, and demanding updates. We understand that for you, a delayed claim is a delayed life. You cannot repair your home or reopen your business until the funds are released. We feel that urgency, and we act on it every day.

It also means we are in the trenches of the industry every day. We see the new tactics insurance companies are using to deny claims. We track the changes in Florida insurance legislation. We know which carriers are settling fairly and which are dragging their feet. This real-time intelligence allows us to adapt our strategies to win your specific case. We bring the collective experience of hundreds of claims to bear on your single loss.

Leveling the Playing Field

The insurance company has a team. They have field adjusters, desk adjusters, engineers, and lawyers all working to protect their interests. If you go into this process alone, you are outnumbered and outgunned. You are an amateur playing a professional’s game.

Hiring US CARE Claims levels the playing field. It gives you a team of your own. It transforms the dynamic from a david-and-goliath struggle into a negotiation between equals. We speak their language. We know their playbook. And we are not intimidated by their tactics.

This advocacy is especially critical in Florida, where the insurance market is volatile and complex. With carriers leaving the state and policies becoming more restrictive, the need for professional representation has never been greater. You cannot afford to leave your recovery to chance or the “goodwill” of a corporation. You need a licensed, bonded fighter in your corner.

At US CARE Claims, we take our title seriously. We are Public Adjusters. We adjust claims for the public, for the people, for you. Our license is our authority, our bond is our guarantee, and our daily fight is our promise. We do not get paid unless you get paid, which aligns our success completely with yours. If you are facing a property loss in Orlando, do not face it alone. Let us bring our expertise, our protection, and our tenacity to your claim. Let us fight for the settlement you need to rebuild your home and your life.