The Top Level Advantage:
For Your Property Claims!
Top Level Public Adjusting is a community driven team of determined professionals serving Florida and Maine. In the event you have to file a claim for damages to your home or business that are out of your control, we are here to help!
When your property is damaged, you have enough to worry about! Let us handle navigating the complexities of insurance claims so you can be there for your family. We manage the entire process with the expertise and tenacity required to secure the best possible outcome, allowing you to focus on life.
If you need to file a claim, you need a dedicated team of licensed professionals, just like the insurance company does, to help navigate a confusing system and maximize your ability to rebuild.
Our Commitment
To Excellence
We Know Your Community:
• From hurricane-force winds on the Space Coast to the weight of heavy snow in the Lakes Region, we bring a powerful combination of local knowledge and statewide resources to your claim.
Your Advocate in the Claims Process:
• The insurance company has a team of experts protecting their interests. We are yours! Ensuring a level the playing field, and your rights are upheld.
Maximizing Your Financial Recovery:
• Our success is measured by yours. Meaning we only win when you do. This aligns our interests and fuels our commitment to achieving the maximum possible recovery.
Comprehensive Claim Management Services
100's of homeowners are living with damages they are unaware of that their policy covers. We offer peace of mind with our thorough inspection from top to bottom ensuring that you are aware of anything that needs you attention.
We Are
The Insurance Claim Experts!
Claim Denials & Underpayments:
We specialize in fixing claims that were underpaid, deemed low deductible, or denied wrongfully.
This involves a comprehensive review of the policy and the claim file, followed by the preparation of a formal rebuttal package that includes new evidence and expert analysis, which can compel the carrier to re-evaluate and overturn their initial decision.
HVAC Overflow Damage
Insurance providers frequently attempt to attribute HVAC overflow damage to maintenance issues, wear and tear, or pre-existing conditions. They might argue that the damage was not "sudden and accidental" but rather a gradual deterioration that should have been prevented through routine upkeep. This distinction can lead to a reduced settlement or even a denial of your claim, leaving you to cover substantial repair costs out-of-pocket.
Wind & Extreme Weather Damage:
Hurricanes
Nor'easter storms
Following a storm, damage often involves multiple areas (wind, rain, flood) and complex policy language regarding deductibles and exclusions. This complexity can be used to the insurance company's advantage, allowing them to attribute damage to a non-covered peril or apply multiple deductibles, which may result in a lower overall settlement offer.
HVAC Overflow Damage
Insurance providers frequently attempt to attribute HVAC overflow damage to maintenance issues, wear and tear, or pre-existing conditions. They might argue that the damage was not "sudden and accidental" but rather a gradual deterioration that should have been prevented through routine upkeep. This distinction can lead to a reduced settlement or even a denial of your claim, leaving you to cover substantial repair costs out-of-pocket.
HVAC Overflow Damage
Insurance providers frequently attempt to attribute HVAC overflow damage to maintenance issues, wear and tear, or pre-existing conditions. They might argue that the damage was not "sudden and accidental" but rather a gradual deterioration that should have been prevented through routine upkeep. This distinction can lead to a reduced settlement or even a denial of your claim, leaving you to cover substantial repair costs out-of-pocket.
Comprehensive assessment of fire, smoke, and soot-related losses.
A fire loss creates damage that is often not visible, such as pervasive smoke and soot contamination throughout the property's structure and contents. Our role is to conduct a meticulous, professional assessment that documents all hidden damage and the full cost of specialized cleaning and restoration, ensuring these critical aspects are included in the final claim.
Serving You
With Determination
Licensed in:
Florida, Maine, Louisiana, Arkansas,
Tennessee, North Carolina, and South Carolina!
Top Level Public Adjusting was founded on the belief that every property owner deserves a fair and just claims experience. With decades of collective experience, we have witnessed the challenges policyholders face when navigating the claims process alone. We have built a firm that is not only technically proficient but also deeply committed to the well-being of our clients.
Licensed in:
Florida, Maine, Louisiana, Arkansas,
Tennessee, North Carolina, and South Carolina!
Top Level Public Adjusting was founded on the belief that every property owner deserves a fair and just claims experience. With decades of collective experience, we have witnessed the challenges policyholders face when navigating the claims process alone. We have built a firm that is not only technically proficient but also deeply committed to the well-being of our clients.
Meet Our Agents
Lucian Russu
President, Public Claim Adjuster
LIC# W590898
Pamela Santiago
Public Adjuster Apprentice
LIC# G210327
Khashaud Parsan
Licensed Public Adjuster
LIC# W911959
Giuseppe Caputo
Licensed Public Adjuster
LIC# G078912
What To Expect?
What do we cover on the first appointment? Do I need to get any information or paperwork together?
TBD need Answer or new question
Do we meet again during the process? How often can I expect updates on my case?
TBD need Answer or new question
TBD Need Question
TBD need Answer or new question
Take the First Step!
Contact us today for a confidential,
no-obligation discussion about your claim. Our team is available to provide immediate and insightful guidance.
After we receive your information,
a member of our team will reach out within 24-48 hours
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