Don’t just make a claim. Build a case.

Insurance companies look after their own best interests. We look after yours.


Claim the high ground.

Don’t drown in paperwork following a flood.
Let us establish and defend your
insurance claim.


Don’t settle for loss.

Sinkhole claims shouldn’t leave you in a financial hole. We’ll make sure you get everything you’re entitled to from your insurance company.


Your loss is our concern.

We don’t just help you make a claim, we help you reclaim your life.

Over 30 Years of Experience


Claims Managed


Claims Managed


Claims Managed

Other Services

Litigation Support
Expert Witness

What Our Satisfied Clients Have To Say

"We are fortunate to have chosen Pat Garrett and team to represent us in the situation. I would never have imagined the outcome, but it comes at  a time when most needed."

C. Haring Brooksville, FL May 5, 2016

Types of Claims We Manage

Business Interruption

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.

Builders Risk

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.

Mold, Fungus or Wet Rot

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.

Construction Defect

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.


Replacement Cost Value (RCV) means replacing with materials of like kind and quality.

Actual Cash Value (ACV) is defined as replacement cost less depreciation.

Depreciation means a loss of value due to wear, deterioration, or obsolescence.

Additional Living Expenses (ALE) / Loss of Use is defined as expenses that would not have occurred had the loss not taken place. These are expenses over and above the normal expenses.

Total Loss is a loss that completely destroys or renders useless the insured property or completely exhausts the applicable insurance limit.

Direct Physical Loss – resulting immediately and proximately from the occurrence and not remotely from some other consequences or effects thereof.