St. Petersburg & Pinellas County Public Adjusters
Property damage in St. Pete?Make sure nothing gets overlooked.
Our St. Petersburg Public Adjusters inspect the damage, review your policy, document the full loss, prepare the estimate, and present your property insurance claim to the insurance company so nothing important is overlooked.
Tell us what happened. We'll review your loss at no cost.
Free Claim Review
Tell us a few quick details and a licensed Public Adjuster from our St. Petersburg office will follow up shortly.
Thank you. A licensed Public Adjuster will reach out shortly. If you need help right now, call (727) 591-1405.
Property Damage in St. Petersburg & Pinellas County Has Its Own Challenges
St. Petersburg sits between Tampa Bay and the Gulf of Mexico, exposing local properties to storm surge, wind-driven rain, flooding, and severe coastal weather. Older roofs, historic homes, waterfront construction, condos, and neighborhood-specific building conditions can make property insurance claims here especially complex.
Our St. Petersburg Public Adjusters inspect the full loss, document the damage, prepare detailed estimates, review coverage, and negotiate directly with the insurance company. We help with new, underpaid, delayed, and denied claims, as well as supplemental claims after the carrier has already inspected the property.
Tampa Bay Coverage, Statewide Support
Our St. Petersburg office serves property owners throughout Pinellas County and the greater Tampa Bay area, from coastal and barrier-island properties to waterfront neighborhoods, condos, inland homes, and commercial buildings. We also handle property insurance claims throughout Florida's west coast, extending south through the Sarasota, Charlotte, Lee, and Collier County areas. Beyond the west coast, VIP Adjusting's four Florida offices provide Public Adjuster representation statewide.
There are no upfront costs and no out of pocket expenses. Our fee comes from the recovery on your claim, and reviewing your loss is always free.
Meet Cristian Bragano
Cristian grew up in St. Petersburg and knows its homes, from waterfront high-rises to Old Northeast bungalows. His background as both a Public Adjuster and Florida building contractor gives him a practical understanding of the properties he inspects and the claims he handles.
As both a licensed Public Adjuster and a licensed Florida building contractor, he understands how these buildings are put together, how coastal weather damages them, and how a loss needs to be documented and estimated to support a claim. That combination of construction knowledge and claims experience shapes how every file his office handles is inspected, documented, and presented.
The Experience Behind Every Claim
Every adjuster representing you is licensed and bonded in the State of Florida. You can verify any license through the Department of Financial Services.
↗ Licensed Florida Building ContractorConstruction-grade damage assessment, led by a state-licensed contractor on staff.
↗ IICRC CertifiedCertified through the IICRC, the organization that sets the industry standards for water, fire, and mold damage restoration.
↗ FAA Part 107 Drone CertifiedCertified drone pilots for aerial roof and large-loss imaging.
↗ Xactimate CertifiedEstimates built on the same platform the insurance companies use.
↗ BBB Accredited BusinessAccredited and 5-star rated on the Better Business Bureau.
↗ FAPIA MemberFlorida Association of Public Insurance Adjusters.
↗ WIND Network MemberWindstorm Insurance Network professional member.
↗Ready to get help with your claim?
Free consultation with our St. Petersburg Public Adjusters. Whether you have not filed yet, the carrier has already inspected, or your claim was underpaid or denied, we will help you understand where it stands and what your options are.
As your St. Petersburg Public Adjuster, we will
We review your policy, claim letters, estimates, and supporting documents to fully understand your property damage claim.
Whether you are starting new or pursuing a supplement, we make sure your claim is filed properly and keeps moving without delay.
We manage all communication with the insurance company and keep you updated throughout the entire claims process.
We perform a detailed inspection of the loss, documenting all damage thoroughly to support and strengthen your claim.
We prepare a professional, line-by-line estimate of repair costs using Xactimate, the industry standard for insurance claims.
We handle all required claim forms and documents, making sure everything is completed and submitted accurately.
We work directly with the insurance company, presenting the documentation, photographs, and estimates that support your claim.
We help finalize, process, and secure the payments due under your policy, including initial, supplemental, and final disbursements.
the Maximum Settlement
From the first inspection through the final payment, every step is focused on one outcome: documenting, supporting, and negotiating your claim for the maximum settlement available under your policy.
The Difference Is in the Details
Property insurance claims are decided on what can be documented and supported. These real results compare the insurance company's initial offer with the final settlement recovered after VIP Adjusting stepped in to inspect, estimate, document, and negotiate the claim.
Severe flooding caused extensive water damage throughout the interior and to the contents.
Hurricane wind and rain caused extensive damage to the exterior and interior of the property.
An electrical house fire caused significant smoke, soot, and interior damage to the property.
Every claim is unique. Results vary based on individual policy coverage, damage, and circumstances. Past results are not a guarantee of future outcomes.
Property Damage Claims We Handle in St. Petersburg
From hurricane and wind damage to water intrusion, fire losses, and underpaid or denied claims across property types.
Frequently asked questions
What is a Public Adjuster?
A Public Adjuster represents the policyholder during the insurance claim process. Unlike the insurance company's adjuster, a Public Adjuster works for you: documenting your loss, preparing the estimate, and negotiating on your behalf based on your policy and the documented damage.
Why hire a Public Adjuster in St. Petersburg?
Hiring local gives you someone who understands the properties here, Tampa Bay weather, Gulf Coast storm exposure, and Pinellas County construction, which helps ensure the damage is fully documented and properly valued.
Can you help with hurricane, flood, and storm surge claims?
Yes. Coastal wind and water claims are our core work. When wind and flood damage overlap, documentation and coverage questions can get complicated, and we help sort out how the damage occurred and which policy applies.
Do you handle condo claims?
Yes, for both unit owners and associations. Condo losses often involve sorting out where the association's master policy ends and a unit owner's HO-6 coverage begins, and we handle claims on either side of that line.
Do you handle commercial property claims?
Yes. We represent owners and tenants on commercial losses, including damage to the building, tenant improvements, equipment and contents, and business interruption when the property cannot be used.
When should I contact a Public Adjuster after property damage?
As soon as possible, ideally before you file, so the claim is documented correctly from day one. But we also take over in-progress, underpaid, delayed, and denied claims.
Can you help after the insurance company has already inspected or paid?
Yes. The carrier's inspection or first estimate is not the end of the claim. We compare the carrier's estimate to the documented damage, and if the scope is incomplete or repairs were missed, we can prepare and submit a supplemental claim for the difference.
What areas of Florida's west coast do you service?
Our St. Petersburg office serves property owners throughout Pinellas County, Tampa Bay, and Florida's west coast. Our team handles claims across coastal communities, inland neighborhoods, and major markets throughout the region, including the Sarasota, Charlotte, Lee, and Collier County areas. VIP Adjusting's four Florida offices provide Public Adjuster representation throughout the state.
How much does it cost?
Consultations are free, and we work on contingency: a percentage of your settlement, with no upfront costs. If your claim doesn't result in a payout, you owe us nothing.
We Handle Claims With Every Carrier
The insurance companies below are just a sample of the carriers our Public Adjusters work with. No matter who issued your policy, we can handle the claim and represent you throughout the process.
VIP Adjusting is an independent Public Adjusting firm representing policyholders. We are not affiliated with, or endorsed by, any insurance carrier.