Residential Claims
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. When damages happen the immediate obligations are to family and employment, not to making decisions for insurance purposes under duress.
We work diligently with homeowners in every step

The burden of proving the residential claim is up to the homeowner, not the insurance company
Having the knowledge and skill set to address the claim enables homeowners to make sound decisions that is best for them. Homeowners should know their loss options and duties under the insurance policy.
Taking the emotional attachment from the process is key to successfully navigating the claim process
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. When damages happen the immediate obligations are to family and employment, not to making decisions for insurance purposes under duress.


Make sure your claim value is being documented and presented properly
Homeowners look to our firm as a resource to ensure their policy benefits are received and interest is protected. Properly and accurately presenting damage claims is your duty, not the insurance company. Make sure your claim value is being documented and presented properly. Meeting with insurance company representatives, experts and contractors is a necessary step in the process.
FAQ
Common residential claims questions
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.
Do you have any other questions?
Blog
Latest Articles

Patrick H. Garrett being interviewed by Fox 13 as Expert on Insurance Claims
Those impacted by Hurricane Irma should understand their obligations and the initial steps when making an insurance claim. It is simple to make the claim

How to handle a residential insurance claim
Our homes are not only the largest investment in our life, but it’s an emotional attachment to the memories and personal possessions that make up

FAPIA Bulletin Updates on Ban by Some Carriers From Using Public Adjusters
On January 26, 2022, the Florida Association of Public Insurance Adjusters (FAPIA) issued a bulletin in response to recent action by Louisiana Insurance Commissioner, James
Reviews
What Our Satisfied Clients Have To Say
“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.
Initially, we had discussed six months to a year. Who knew years would pass before a final settlement was negotiated? I, for one, cannot thank you enough for all you’ve done. I’ve learned a lot from both of you and your patience and good humor have seen us through some dark days. From the bottom of my heart, I want to say again, Thank you”
A. McKernan
| Former President – Tequesta Hills Condo Association
Tequesta, FL
“It has been a pleasure to work with you for over 15 years. You are a true professional that understands how to approach and deliver results on commercial insurance claims. I appreciate your firm’s responsiveness and attention to detail that has always resulted in very acceptable recoveries.
C. Merrill
Pensacola, FL
“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, mold, and construction remediation issues were addressed and resolved.”
E. Bryan
Bradenton, FL
“It is our pleasure to recommend Mr. Patrick H. Garrett with Garrett Claims Group. We retained his firm to represent us in negotiations with our insurance company when our property at 701 W. Bay St. in Tampa, Florida burned in April of 2007. 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.
Thanks to Mr. Garrett, we were able to rebuild our beautiful historic property that was damaged, and restore it to its’ former elegance. Though we hope this never happens again, we would not hesitate to call for Mr. Garrett’s services.”
Thanks to Mr. Garrett, we were able to rebuild our beautiful historic property that was damaged, and restore it to its’ former elegance. Though we hope this never happens again, we would not hesitate to call for Mr. Garrett’s services.”
F. Griffin
| Griffin & Griffin Inc.
Tampa, FL
“I don’t even want to think what results I would have had had I not had the good fortune of hiring you. As aggravating as it is to find out you have a sinkhole on your property and to have to deal with an insurance company, you made the process a great deal easier.
Durie
Tampa, FL
“I want to thank you and your team for helping me in my time of complete desperation. When I reached out to you for help you came to my home within days, look through the large piles of reports and letters from the insurance company, and made sure I understood the process we would have to go through.”
“You made sure the right experienced experts came to my home so they could see the damage for themselves, and document their findings in reports that we would later need in the law suit.”
L. Haynes
Live Oak, FL
“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.”
Shultz
Lutz, FL