Insurance Isn’t on Your Side — We Are.
Flood claims are complex, slow-moving, and often underpaid. Whether your damage came from rising water, storm surge, or heavy rainfall, navigating flood insurance policies can be frustrating. We help Florida property owners handle flood claims from start to finish—and fight back when insurance companies don’t pay fairly.
Serving Florida, Georgia & New Jersey — local adjusters available near you.
Why Choose River City Claims
When rising water disrupts your life, you need more than a claim number—you need an expert
who fights for your recovery. Here’s what to expect when you partner with River City Claims:
Get Every Dollar You Deserve
We identify hidden and secondary moisture damage that insurers often overlook, like foundation issues, mold risk, or compromised finishes.
Zero Stress for
You
We handle everything: inspections, estimates, photos, reports, and communication with the insurance company. You focus on getting life back to normal.
Fast, Local
Response
Our adjusters understand flood mapping, FEMA guidelines, and local building codes to keep your claim moving efficiently.
No Upfront
Costs
We only earn a fee after you receive payment, never before.
Denied or Underpaid Claim?
We can reopen or appeal your claim and push for the fair amount you’re entitled to.
Prevent Future
Issues
We document every step of cleanup and mitigation to prevent future mold, structural, or coverage issues.
How We Handle Your Claim — From
Start to Settlement
Flood claims are notoriously complex. We simplify the process
and make sure you’re fully protected.
01
Detailed Site
Inspection
We use moisture mapping, infrared scanning, and hygrometers to detect all hidden water damage.
02
Policy & Coverage
Review
We identify every applicable coverage, including structure, contents, additional living expenses, cleanup, and mitigation.
03
Claim Documentation &
Estimating
Our team prepares comprehensive, line-item estimates using industry-standard software and flood restoration pricing.
04
Negotiation &
Advocacy
We communicate directly with your insurer, refuting low estimates and ensuring all repair and replacement costs are justified.
05
Settlement &
Follow-Up
We confirm that your payment covers all damage and file supplements for any missed or newly discovered issues.
Already started your claim? We can step in at any stage
to correct or maximize it.
Why Homeowners & Businesses
Trust River City Claims
Choosing the right public adjuster can determine how quickly and fairly you recover.
Here’s why property owners across Florida, Georgia, and New Jersey choose River City Claims:
Local Expertise, National-Level Advocacy:
Licensed adjusters in Florida, Georgia, and New Jersey with deep knowledge of flood zones, insurer tactics, and local regulations.
Proven Track Record:
We’ve helped clients recover millions for flood and water-related losses through expert documentation and persistent negotiation.
Clear, Fair Fees:
Our percentage is disclosed upfront and we don’t get paid until you do.
We Represent You, Not the Insurer:
Every decision we make is in your best interest, not your insurance company’s.
Rapid, On-the-Ground Support:
Flood damage escalates fast and our local adjusters respond quickly to minimize additional loss.
Comprehensive Support:
From small residential floods to major commercial disasters, we handle every stage of the process.
Success Stories
“Words can not express how awesome Jason Newsom was when we needed him most!! Major water damage to our home. We felt overwhelmed but after I called Jason, all the stress was off of us. He took care of everything and made our insurance settle for enough to cover all of our damages! New floors going in today! Thank you so much!! I can’t express this enough… don’t deal with the insurance companies alone! You will not be sorry you called him!”
Lena M.
“We worked with David Reed at River City Claims after our house flooded, and I honestly don’t know what we would’ve done without him. The insurance company did a poor job with remediation and didn’t want to cover our floors even after they started swelling.
David came in, took control, and fought hard for us. He found more damage the insurance company missed—walls, floors, cabinets, and even mold. He brought in an amazing remediation team and an air-quality specialist to make sure everything was done right this time.
Without David, we would’ve been stressed, scared, and probably stuck with a house that wasn’t livable. Instead, he got the insurance company to pay for everything, and our home is actually better than it was before the flood.
If you’re dealing with an insurance claim, don’t go through it alone—call David Reed. He’s honest, relentless, and really knows how to get results.”
Michael L.
Aubrey C.
“Rob Woerner and his team did a fantastic job in helping us navigate claims with the insurance company. He recovered more money than we thought possible and he worked hard to make sure we got the most. We appreciate his hard work, ethical and the professional way of doing things.
We contacted him at a very sad time in our life. With a passing of our mother and her condominium, she had water damage that we were not aware of.
Rob came and assess the situation. Spent a lot of time talking to us about the process and went back for us against the insurance company.
I would recommend him highly on any job. In fact, I am sending him clients from people in my center of influence and we are very happy with his service!”
Peter H.
What Is a Public Adjuster?
A Public Adjuster is a licensed insurance professional who works exclusively for policyholders, not insurance companies.
We represent your best interests by:
- Inspecting and documenting all damage thoroughly.
- Reviewing your policy to uncover full coverage potential.
- Preparing, submitting, and negotiating your claim.
- Challenging underpaid or denied claims.
Hiring a public adjuster doesn’t raise your premium and is 100% legal in every state we serve. We only get paid when you do.
Ready to Recover What You’re Owed?
Whether you’re facing recent flood damage or struggling with a low or
denied payout, River City Claims is ready to help.
