Public Insurance Adjuster Services in Florida

Advocates for Florida Property Owners – From Hurricane Recovery to Water Damage Claims

When disaster strikes, Florida property owners face a uniquely complex insurance landscape. Between separate hurricane, flood, and wind policies, it’s easy to feel lost navigating your claim.
At Gavnat Public Insurance Adjusters, we represent you—not your insurance company—to ensure you receive the maximum settlement for every covered loss. Our Florida team serves Fort Lauderdale, Miami-Dade County, and surrounding coastal communities, specializing in hurricane damage, water intrusion, and commercial property claims.

Why Florida Property Owners Trust Gavnat

• Decades of multi-peril expertise – From hurricane recovery to flood and water escape, our adjusters know the nuances of Florida’s policies and carrier practices.
• Local market insight – We understand Citizens, Lloyd’s, and surplus-line policies common across Florida’s coastal counties.
• Full-service claim support – From documentation and estimating to negotiation and appraisal, we handle every step of the process so you can focus on recovery.
• Commercial and multi-family specialists – We represent HOAs, condo boards, and commercial owners to resolve complex, high-value claims efficiently.
• Ethics and results – Gavnat leads with integrity, transparency, and a proven record of successful claim outcomes.

Florida’s Most Common Property Damage Claims

Hurricane & Windstorm Damage

Hurricane season runs June through November—but its effects last long after. From roof failures to water intrusion, Gavnat helps you identify hidden structural and interior damage and ensure full coverage under your wind or property policy.
We work with property owners to assess damage, interpret multi-policy overlaps (wind vs. flood), and advocate for fair settlements.

Typical hurricane-related damages include:

• Roof and exterior structural loss
• Water intrusion and interior damage
• Business interruption losses
• Equipment or contents damage
• Marina, yacht, and boat storage damage

Escape-of-Water & Plumbing Failures

Older multi-family and high-rise buildings across Florida face frequent water loss events from aging pipes, HVAC drain lines, and supply line failures. Gavnat specializes in identifying hidden moisture damage and ensuring these events are properly covered under property policies.

Common water loss sources:

• Supply line breaks between units
• Overflowing AC drain pans and condensate lines
• Failed common plumbing systems
• Hidden moisture behind walls or flooring

We help property owners recover the full cost of remediation, repairs, and restoration.

Commercial & Condo Claims

Florida’s commercial and condominium market presents unique challenges—from strict insurance limits to complex ownership structures. Gavnat’s adjusters are experienced in navigating these layers and ensuring associations and business owners are fully compensated.

We represent:

• Condominium & HOA Boards
• Commercial building owners
• Hotel, restaurant, and marina operators
• Real estate investors and property management groups

Our team provides complete documentation, scope-of-work estimates, and policy interpretation to ensure your property’s recovery stays on track.

Serving Fort Lauderdale, Miami-Dade, and Beyond

Gavnat’s Florida adjusters are locally based and ready to respond across:

• Fort Lauderdale
• Miami & Miami Beach
• Hollywood
• Coral Gables
• Doral
• Broward & Palm Beach Counties

No matter where your property is located, our adjusters respond quickly and personally—whether after a hurricane, burst pipe, or fire.

Call us or complete the form for a free consultation. 407-502-0124