Insurance Isn’t on Your Side — We Are.
Mold can spread quickly after even minor water leaks, floods, or humidity issues — and insurance companies are notorious for denying or minimizing these claims.
At River City Claims, we’re your advocate. Our licensed public adjusters identify the full extent of mold contamination, hidden moisture, and structural damage to ensure you receive every covered dollar available under your policy.
Serving Florida, Georgia & New Jersey — local adjusters available near you.

Why Choose River City Claims
When mold threatens your home’s health and safety, you need more than a cleanup crew —
you need an expert who knows how to prove cause, coverage, and cost.
Here’s what to expect when you partner with River City Claims:
Get Every Dollar You Deserve
We uncover the true cause of mold — whether it’s a hidden leak, flood, or HVAC failure — and document everything to connect it to your covered water loss.
Zero Stress for
You
We manage inspections, photos, estimates, lab reports, and all communication with your insurance company.
Fast, Local
Response
Our adjusters understand local climate and building conditions that contribute to mold growth — helping you recover faster.
No Upfront
Costs
You owe nothing until you receive your settlement.
Denied or Underpaid Claim?
We specialize in reopening mold-related claims that insurers dismissed or underpaid.
Protect Your Property
Long-Term
We ensure proper remediation, drying, and documentation so you’re protected from future coverage disputes or recurring damage.
How We Handle Your Claim — From
Start to Settlement
Mold claims are complex because insurers often dispute the cause or timing of the damage.
We simplify the process and make sure you’re fully protected.
01

Inspection &
Documentation
We use moisture meters, infrared imaging, and air-quality testing to locate all mold and hidden moisture.
02

Policy & Coverage
Review
We determine whether your mold is covered due to a water loss, plumbing leak, or other covered peril — and identify every applicable benefit, including remediation, reconstruction, and temporary housing.
03

Claim Preparation &
Estimating
We prepare detailed reports, lab results, and line-item repair estimates using industry-standard software.
04

Negotiation &
Advocacy
We present scientific and visual evidence directly to your insurer to justify full remediation and rebuild costs.
05

Settlement &
Follow-Up
We confirm your payment covers all affected materials and file supplements if additional damage is uncovered during cleanup.
Already filed your claim? We can step in anytime to fix errors or maximize your payout.
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.
“Working with David Reed and River City Claims has been an absolute game-changer in what started out as one of the most stressful experiences of my life. Filing an insurance claim after water damage in our condo felt overwhelming, and I honestly had no idea where to begin. From the very first conversation, David stepped in with confidence, knowledge, and genuine compassion, turning what seemed like an uphill battle into a smooth and fair process.
What impressed me right away was their professionalism and attention to detail. They carefully reviewed my policy, documented the damage thoroughly, and explained every step of the process in terms I could actually understand. Instead of feeling lost in the maze of insurance jargon, I felt informed and empowered.
Throughout the process, the communication was outstanding. I never had to wonder what was happening with my claim because David kept me updated at every turn. He was quick to respond to calls and emails, always patient with my questions, and consistently reassuring. That level of transparency and responsiveness gave me incredible peace of mind during such a stressful time.
Most importantly, their expertise and persistence paid off in a big way. They negotiated with the insurance company on my behalf and achieved a settlement that was not only fair but amicable — something that at one point, I honestly didn’t think was possible. Without their guidance, it is very likely that I would have ended up with far less than what I was entitled to.
What sets River City Claims apart from the rest is their integrity and genuine care for their clients. I never once felt like just another file on their desk. They treated me with respect, fought for my best interests, and truly went above and beyond to make sure I was taken care of.
Thanks to David, I was able to move forward with repairs and restore normalcy far quicker than I ever expected. I am deeply grateful for their hard work and would wholeheartedly recommend them to anyone navigating the complexities of an insurance claim. If you want someone who is knowledgeable, trustworthy, and truly committed to getting you the best possible outcome, look no further.”
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 represents only the policyholder — not the insurance company.
We represent your best interests by:
- Thoroughly inspecting and documenting all mold and water damage
- Reviewing your policy for all possible coverage
- Preparing, submitting, and negotiating your claim
- Challenging denials or lowball settlements
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.




