Success Story 23

Brito Exterior - Clearwater Beach

Brito Interior Post Repair - Clearwater Beach


This single family town home, located in Clearwater Beach, FL, Pinellas County, suffered interior water damage due to a sudden, accidental overflow of its air conditioning system. Though the physical damage caused by water was confined to the 2nd floor A/C closet, and minor water damage to the 1st floor ceiling below the closet, contiguous tile flooring throughout the 2nd floor had to be considered for replacement due to matching issues. Also, the tile flooring was installed under all cabinetry and baseboards thus requiring a substantial amount of additional labor in order to access the tile. Granite countertops also needed to be replaced because of damage caused during the removal of cabinetry.

Citizens Property Insurance conducted their own investigation and denied the claim based on their assertion that the insured did not produce the necessary documentation to support her claim. Shortly after the loss occurred, the homeowner hired a restoration contractor to estimate the damage and work with the Citizens adjuster to resolve the claim. As soon as the situation turned problematic and Citizens denied the claim, the restoration contractor disappeared.

Be aware that in the State of Florida it is a felony (Section 626.854 Florida Statutes) for anyone other than a licensed public adjuster or attorney to negotiate a first party property claim on behalf of a policyholder for a fee or service. Read the notice published in the Insurance Insights March 2013 edition put out by the Florida Division of Agent and Agency Services HERE.

The homeowner, at the recommendation of a friend, contacted Dante R. Fabbro, P.C.L.A. with Fabbro & Company, Public Insurance Adjusters, to help get the claim back on track and ultimately paid. After working with the homeowner to secure necessary documentation and upon completion of his comprehensive assessment of loss and damages, Dante Fabbro submitted the claim to Citizens. After unsuccessful attempts to work with the original Citizens field adjuster to resolve the matter, a new independent adjuster was appointed by Citizens to reevaluate the loss. After meeting the new adjuster on-site and as a result of subsequent conversations, to the homeowners satisfaction, a global settlement of $48,000 was reached.

Read Leticia B. Testimonial

Client contact information available upon request.

If you’ve suffered a property loss and need a public adjuster in Clearwater Beach or a public adjuster in Pinellas County, call Fabbro & Company for a no-cost consultation at 813-601-1694.

Return to Notable Claims – Page 1