Contractors & Restoration
FOR ALL TRADES CONTRACTORS & RESTORATION COMPANIES
Your customer’s claim is stuck. You shouldn’t have to fix it.
When a Florida property insurance claim is underpaid, delayed, denied, or does not account for the documented damage, the homeowner may need an independent advocate. HCH provides professional public adjusting and property claim services while you stay focused on the construction.
Serving Pasco, Pinellas, Hillsborough, Tampa Bay, and property owners throughout Florida.
CLEAR ROLE SEPARATION
You handle the property. HCH handles the insurance claim.
You inspect, mitigate, restore, and build. Homeowner Claims Help represents the policyholder in the insurance claim, evaluates the carrier’s position, and addresses disputes over damage, scope, and the amount of loss.
CALL HCH · 727-657-6193
FOR GENERAL & ROOFING CONTRACTORS & RESTORATION PROFESSIONALS
You know the work. HCH addresses the claim dispute.
Contractors and restoration professionals are often the first to see the physical damage—and the first to hear when an insurance estimate does not reflect the work they believe is necessary.
Those situations can leave a homeowner caught between the approved insurance scope and the actual cost of restoration. A licensed Florida public adjuster can independently evaluate and represent the policyholder’s claim, subject to the policy and applicable law.
Why contractors connect customers with HCH
✓ Gives the homeowner access to independent claim representation.
✓ Helps address claim disputes that can delay restoration decisions.
✓ Keeps construction responsibilities separate from insurance claim representation.
✓ Gives you a professional resource when a customer needs help beyond your role.
HOW A PUBLIC ADJUSTER CAN HELP YOUR CUSTOMERS
Florida property insurance claim services
01 / REPRESENTATION
Public Adjusting
Licensed representation for the policyholder—documenting damage, evaluating the claim, and addressing the carrier’s position when it falls short.
EXPLORE SERVICE →
02 / VALUATION
Appraisal & Umpire
Independent appraisal and umpire services when the amount of loss is disputed and appraisal is available under the policy.
EXPLORE SERVICE →
03 / RESOLUTION
Mediation
A structured process that can help resolve eligible Florida property insurance disputes without prolonged litigation.
EXPLORE SERVICE →
04 / EXPERTISE
Expert Witness
Independent analysis of causation, damage scope, estimating methodology, and claim handling for attorneys and retained parties.
EXPLORE SERVICE →
BEFORE AN INSURANCE CLAIM EXISTS
Damage discovered. Claim not filed?
During inspections, estimates, renovations, or repairs, contractors may discover storm damage, water intrusion, or other conditions that homeowners were unaware of or did not know might be covered by their home insurance policy.
HCH can speak directly with the homeowner, review the circumstances and applicable policy, and explain whether pursuing a claim may be appropriate.
An insurance claim does not have to be open for a homeowner to contact HCH.
WHEN TO MAKE THE CONNECTION
These are the situations contractors see all the time.
When damage is discovered before a claim is filed—or when an existing insurance estimate does not account for the documented damage or reasonable cost of covered repairs—the homeowner may benefit from an independent review by HCH.
CONTACT HCH · 727-657-6193
Payment doesn’t cover the work
The approved amount falls short of the documented cost of necessary repair or replacement.
Code & compliance issues
Code, ordinance, or matching requirements may create additional costs that need to be evaluated under the policy.
Replace vs. repair disputes
The carrier estimates a patch or partial repair while the documented condition may support a different scope.
Scope or hidden damage
Observed damage, quantities, or necessary operations are missing from the insurance estimate.
TWO DISTINCT PROFESSIONAL ROLES
Clear responsibilities. Independent decisions.
Contractors & Restoration Professionals
Property inspections
Mitigation and restoration
Construction estimates and repair scopes
Project management and construction work
Homeowner Claims Help
Insurance claim representation
Claim evaluation and documentation
Appraisal and dispute resolution
Expert witness services
Contractors do not act as public adjusters through this relationship. HCH provides its services directly to the property owner under a separate written engagement. No referral fees. No exclusive relationships. No obligation for the homeowner.
A STRAIGHTFORWARD INTRODUCTION
How the connection works
01
Share the contact
When you see a claim issue outside your role, provide HCH’s contact information to the property owner.
02
The homeowner chooses
The property owner independently decides whether to contact HCH. There is no obligation created by the introduction.
03
HCH reviews the matter
HCH speaks directly with the property owner and determines whether representation or another service is appropriate.
QUESTIONS CONTRACTORS ASK
Working with a Florida public adjuster: clear answers
Can a GC, a ROOFER or a RESTORATION company recommend a public adjuster?
A contractor may provide general information and contact details for a licensed public adjuster. The homeowner independently decides whether to make contact. Contractors should not adjust, negotiate, or represent the homeowner in the insurance claim unless properly licensed and authorized to do so.
Does HCH pay contractors referral fees or compensation for introductions?
No. HCH does not pay referral fees or provide compensation for customer introductions. There are no exclusive relationships or promised reciprocal referrals.
Does introducing a customer create any obligation?
No. An introduction does not obligate the homeowner to hire HCH. Any representation begins only after the homeowner and HCH enter into a written agreement.
When should a homeowner consider hiring a public adjuster in Florida?
A homeowner may consider consulting a licensed Florida public adjuster when the insurance estimate does not reflect the documented damage, the payment appears insufficient for necessary covered repairs, the claim is delayed or disputed, or the carrier’s proposed repair scope differs from the documented condition. Coverage depends on the policy language and facts of the loss.
Does HCH prepare construction estimates for contractors?
No. HCH represents the policyholder in the insurance claim and does not replace the contractor’s independent construction estimate, repair scope, or project proposal.
What areas of Florida does Homeowner Claims Help serve?
Homeowner Claims Help is based in the Tampa Bay area and serves property owners in Pasco, Pinellas, and Hillsborough counties, as well as clients throughout Florida.
EXPERIENCE IN PROPERTY CLAIMS
5,000+
Property inspections
50+
Retained expert matters
20+
Years combined experience
SCLA · CPAU
Professional designations
HOMEOWNER CLAIMS HELP · FLORIDA
Have a customer stuck between the insurance estimate and the real cost of the work?
Give them a direct connection to HCH. No obligation. No referral fees.
