Public Adjusters, Insurance Appraisers, and Construction Consultants
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 undervalued or go unpaid.
We cover all aspects of your loss and represent you throughout the entire claim process
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.
When disaster strikes, our team is ready to help you in any kind of insurance claim you need
Organizations, Corporations, and Associations have exposures of building damages business property and business interruption losses.
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.
Multifamily properties include Condominium Associations, Townhome Associations and Apartment Complexes.
Coupled with being professional adjusters, our construction industry experience, knowledge and history provides both policyholders and attorneys an unequivocal resource.
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.
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What Our Satisfied Clients Have To Say
“My words cannot adequately reflect how pleased I am with the results you obtained for us. Thank you from the bottom of my heart. I would strongly recommend you and your company to anyone interested in securing a fair and just recovery of their losses under the provisions of their insurance policy.”
“Your knowledge and expertise in preparing the necessary documentation, and handling the negotiations, was instrumental in our reaching this agreement. It was a pleasure working with you. On behalf of the Board and all the Owners, our deepest thanks.”
| South Shores Oceanside Condominium Association, Inc.
Melbourne Beach, FL
I met Pat Garrett a few days after Hurricane Frances did substantial damage to my shopping center on A1A along the Atlantic coast. His demeanor, knowledge and prompt attention to my claim resulted in a Policy Limits settlement. We were very pleased with GCG’s results.
| Paradise Beach Properties, LLC
“I would like to personally thank you both for all you’ve done to help us successfully negotiate this insurance maze. Your dogged determination combined with your constant and never ending faith that kept us focused on bringing this claim to a successful closure is so gratefully appreciated You were there fighting for us and holding us up when we had no idea where else to turn. Your expansive knowledge combined with your incredible negotiating skills mixed in with the facts have allowed us to finally close the book on this one.
| Former President – Tequesta Hills Condo Association
“Thanks for all your help. Construction is now underway – soon we will be back to normal.”
Marco Island, FL
“On behalf of the entire Tequesta H,11s Condo Association and the Board of Directors, I’d like to take this opportunity to thank you both for your unyielding faith in our claim. Your constant communication and strong negotiating skills provided us with an unexpected outcome that would have been impossible without you.
| President – Tequesta Hills Condo Association
“We were not getting anywhere with the case until Mr. Garrett was selected. He was kind, honest and helped me to understand sinkholes. He also located and pointed out problems that I never saw. The result was that I got the settlement that I should have gotten. Without him, that would not have been possible.”
“We are deeply grateful for all you have done to help us, educate us and represent us in this difficult time. I’m not sure where we would be without your help – but we surely wouldn’t have gotten the settlement your arranged and negotiated.”
Panama City, FL
“In seven months I had my insurance check. I cannot Thank Mr. Garrett enough for all he has done for me in such a short period. I would recommend Mr. Garrett and his company Garrett Claims Group as a licensed Public Insurance Adjuster in the highest regard.”
Port Richey, FL
“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.”