Seven Ways We Put More Money in Your Pocket.

Insurers lowball roof claims more than any other loss type in Florida. Their adjuster shows up, counts a few missing shingles, and hands you a check for a patch job — when your policy may entitle you to a full replacement. We conduct a forensic-level roof inspection, document every defect, and force the carrier to pay what the policy actually requires. If they dispute it, we escalate. We don't accept partial when full is what you're owed.

• Full replacement vs. patch-job disputes
• Wind and hail damage documentation
• Matching material and color requirements
• Supplement and re-inspection support

The average homeowner spends 20 minutes reviewing a settlement offer before signing. We spend weeks building the case that gets you the real number. We read every line of your policy, identify every covered loss, and negotiate with the carrier until the settlement reflects the actual cost to make you whole — not the cost that's most convenient for them.

• Line-by-line policy coverage analysis
• Full scope of loss documentation
• Carrier negotiation and pushback
• Supplement claims for missed or undervalued items

The moment a hurricane makes landfall, insurance carriers activate catastrophe teams trained to close claims quickly and cheaply. Speed is their weapon. We match it. PAG Claims deploys immediately after a storm, documents every loss before it's repaired or obscured, and builds a claim that accounts for wind damage, rain intrusion, debris impact, and the long-term structural effects carriers routinely ignore.

• Rapid post-storm property inspections
• Wind vs. flood damage separation
• Named storm deductible review
• Business interruption for storm-related closures

A commercial loss isn't just property damage — it's lost revenue, displaced employees, broken contracts, and a business fighting to survive. Commercial policies are longer, more complex, and more aggressively contested by carriers. We have the experience to handle large-loss commercial claims end to end: structural damage, business interruption, equipment losses, and multi-building portfolios. You run your business. We handle the fight.

• Business interruption and lost income documentation
• Multi-structure and portfolio claims
• Equipment and inventory losses
• Lease and tenant improvement coverage

If your claim was denied or you accepted a settlement that didn't cover your actual losses, you may have more options than you think. We specialize in reopening closed claims, identifying missed damage, and challenging improper deductions. We've recovered significant additional funds for clients who were told their claim was final. The insurance company banks on you not pushing back. We make sure you do.

• Claim denial review and formal appeal
• Supplemental claim filing for missed items
• Appraisal and umpire process
• Statute of limitations review

Water damage is deceptive. What looks like a small leak can mean saturated framing, compromised drywall, and mold growth behind walls that won't show up for weeks. Insurers love to close water claims fast — before the full extent is known. We document the source, trace the spread, assess hidden moisture, and build a claim that covers the complete remediation — not just what's visible on day one.

• Source identification and cause documentation
• Hidden moisture and mold risk assessment
• Contents and personal property losses
• Temporary living expense and relocation coverage

Fire claims look straightforward until you realize smoke infiltrates every room, every duct, every piece of furniture — far beyond the burn zone. Carriers want to scope the claim to the visible char. We scope it to the full loss: structural damage, smoke contamination throughout the building, HVAC system replacement, contents inventory, and additional living expenses while you're displaced. Nothing gets left out.

• Full structural and contents inventory
• Smoke and soot damage beyond the burn area
• HVAC and ductwork contamination
• Additional living expense and relocation costs