Garrett Claims Group
Insurance companies look
after their own best interests.
We look after yours.
We don’t just help you make a claim, we help you reclaim your life. Let us establish and defend your insurance claim. Claims that lack the proper documentation are likely to be unvalued or go unpaid.
About
We cover all aspects of your loss and represent you throughout the entire claim process
30+
Years of claims experience in FL, GA, SC, NC, MS, LA, TX, NJ & NY.
1.1M+
Money given back to our clients as we cover all aspects of your loss.
Since 1990 we have represented commercial and homeowner policyholders exclusively. We have negotiated satisfactory settlements for all kinds of loss and destruction, including that caused by fire, wind, sinkholes, tornadoes, hurricanes, construction defects, floods, hail, and water.
Our commitment to you is to focus our negotiatory skills and expertise in claims presentation to recover the policy benefits to which you are entitled. We know how to read the fine print.
As specialists in today’s complex insurance claims arena, our negotiations and settlement results are second to none.
Services
When disaster strikes, our team is ready to help you in any kind of insurance claim you need
Commercial
Organizations, Corporations, and Associations have exposures of building damages business property and business interruption losses.
Residential
Our homes are not only the largest investment in our life, but it’s an emotional attachment to the memories and personal possessions that solidify our lives.
Multi-Family
Multifamily properties include Condominium Associations, Townhome Associations and Apartment Complexes.
Additional Services
Coupled with being professional adjusters, our construction industry experience, knowledge and history provides both policyholders and attorneys an unequivocal resource.
Claims
Our team supports a wide range of claims for any situation
Referred to as time element losses since they occur over time. Loss of income and increased expenses from a covered peril. Commercial property insurance covering loss of income suffered by a business when damage to its premises by a covered cause of loss causes a slowdown or suspension of its operations. Coverage applies to loss suffered during the time required to repair or replace the damaged property. It may also be extended to apply to loss suffered after completion of repairs for a specified number of days.
Identified as inland marine this type of commercial policy covers buildings under construction. This includes the building, temporary structures located on the site, and materials and supplies not yet part of the building.
Unintentional burning with ensuing damages from smoke and extinguishing/ suppression efforts to a structure and/or personal property; Arson is burning that is intentional.
Presence, growth, proliferation, spread or any activity of “fungi”, wet or dry rot. Fungus may include mold or mildew and any mycotoxins, spores, scents, or by-products produced or released by fungi. Generally the policy contains a limited dollar amount and scope of repairs for this additional coverage.
Sudden sinking or collapse of land into underground empty spaces created by the action of water on limestone or similar rock formations. Commercial policies commonly include this coverage and homeowners is through endorsement.
Frozen rain, usually in pellet formation and in various sizes, causing damages upon impact.
Occurrence based coverage deriving from alleged workmanship that is associated to property damages.
Fortuitous damages that can emanate from a variety of sources, such as water heaters, supply and waste piping, or HVAC system.
Illegal taking of an insured’s property with intent to deprive ownership.
Willful or malicious destruction or defacement of public or private property.
Damages caused by hidden decay, hidden insect or vermin damage, weight of people or personal property, weight of rain that collects on a roof, and use of defective materials or methods in construction, remodeling, or renovation if caused during the course of construction, remodeling or renovation.
Accumulating over the tropics and developing in the Atlantic and Gulf of Mexico within the summer and fall months. These systems are hundreds of miles wide with sustained winds exceeding 75 mph and rotate counter clockwise. Categorized 1-5 and provided names in alphabetical order.
Wind velocity with enough force to cause damage and/or breach a structures envelope. IE: Thunderstorms, Tornadoes and Hurricanes can all create wind damages.
Rising water from either 2 or more properties or inundating more than 2 or more acres. IE: Heavy rainfall in low lying areas, Tidal Areas (Rivers, Bays, Oceans and Gulf of Mexico) and Hurricanes. You do not need to live in a Flood Zone to be impacted by a flood.
Sudden and violent release of pressure or energy has caused bursting or breaking and a noise.
Natural electric discharge in the atmosphere.
Resulting from a sudden and accidental cause; not over a period of time.
Do you have any other questions?
Reviews
What Our Satisfied Clients Have To Say
After Hurricane Ivan ripped the roof off of our home, we were in a state of shock. Lucky for us, a dear family friend recommended we seek the services of a Licensed Public Adjuster. Blessedly, you have a stellar reputation here in North West Florida and, we were lucky enough to have been referred to you. … See More
Dr. and Councilwoman Zimmern Gulf Breeze, FL May 23, 2015
Mr. Garrett acted professionally, worked in a timely matter, and demonstrated an impressive working knowledge of insurance claims and benefits. He was an effective and efficient liaison with the insurance company, and we believe maximized policy benefits due us. … See More
Frank and Leslie Tampa, FL May 23, 2015
We had the pleasure of working with Mr. Patrick Garrett and his company, North American Insurance Consultants, Inc. regarding our property insurance claims. If we had not engaged Mr. Garrett’s services we would have settled for substantially less regarding our two claims. In fact, he evaluated and examined the pre-existing claim that was over one year old and was able to recover additional monies owed by the insurance company. … See More
Katherine Harris Secretary of State May 20, 2015
“Mr. Garrett’s firm, North American Insurance Consultants, Inc., had the resources, reputation, enormous amount of detail, and professionalism to properly evaluate our claims. His comprehensive reports and persistent negotiating skills obtained our cultural center excellent insurance settlements. Without his involvement we would have never accomplished such just and equitable proceeds to restore our facility. We would not have known where to begin in separating the damages or have knowledge of our entitlements. Our involvement was … See More
Hackel Executive Director December 20, 2015
Your professionalism and guidance was such a source of comfort to us during the rebuilding process. Your dedication and protection of our assets will be greatly appreciated for many years to follow. I would not hesitate to recommend you to friends, family or business associates. I pray we will not need your services anytime soon! … See More
Dr. and Councilwoman Zimmern Gulf Breeze, FL May 23, 2015
Your knowledge and expertise in preparing the necessary documentation, and handling the negotiations, was instumental in our reaching this agreement.
It was a pleasure working with you. … See More
E. Lavendier South Shores Oceanside Condominium Association, Inc., Melbourne, FL Melbourne Beach, FL May 23, 2015
I just wanted to send a little note with a great BIG thank you for all that you both did for me. May God richly bless you for your professionalism, expertise, and kindness during the past 17 months. Your help in answering my questions and keep me abreast of everything were exemplary.
Wright Dade City , Florida January 21, 2016
Thank you for all the hard work you performed on our fire loss. Your negotiating skills and knowledge of insurance claims was beyond expectations. … See More
The Welchs May 23, 2015
“You were the best liaison. I am delighted with the outcome and would highly recommend you and your company to anyone in need of an excellent public adjuster, appraiser, negotiator, and/or contractor. Your business acumen and experience, as well as, your superb negotiation skills enabled me to recoup a great deal of the insurance monies to which I was entitled. I was able to get back into my condo with the assurance that all water, … See More
E. Bryan Bradenton, FL May 5, 2016
“It has been a pleasure to work with you forover 15 years. You are a true professional thatunderstands how to approach and deliver resultson commercial claims.”
J. Collier Merrill Pensacola, Florida September 19, 2020