Disaster Recovery & Insurance Restoration in Tampa Bay

Yes, FCS has extensive experience working directly with insurance companies, adjusters, and claims professionals. We handle large loss commercial and residential claims, providing detailed documentation, certified estimates, and direct communication with carriers throughout the restoration process.

Large loss refers to significant property damage claims, typically exceeding $250,000. These complex claims require experienced contractors who understand insurance processes, can provide accurate certified estimates, and have the capacity to complete major restoration projects.

While we don't handle small emergency repairs, we mobilize quickly for large loss situations. Once engaged, we begin damage assessment and documentation immediately, working with your insurance carrier to expedite the claims process and begin restoration.

We assist throughout the insurance claim process including damage documentation, certified estimates, adjuster meetings, supplemental claims, and negotiation support. Our expertise helps ensure fair claim settlements and smooth restoration projects.

We handle restoration from all major disaster types including hurricanes, tropical storms, tornadoes, flooding, fire damage, and other catastrophic events. Our experience includes commercial buildings, multi-family residential, and high-value single-family homes.

Yes, FCS always serves as the prime contractor on insurance restoration projects. We maintain direct contracts with property owners and work alongside (not for) insurance companies. This ensures our loyalty is to you, the property owner, while maintaining professional relationships with all parties.

Our leadership has 43+ years of experience in property claims, including work as an Executive General Adjuster with major insurance carriers. This background means we understand claims processes from both sides—we know what documentation carriers need, how to properly scope and estimate damages, and how to communicate effectively with adjusters to facilitate fair settlements and smooth restorations.

For large loss commercial and residential properties, we mobilize assessment teams as quickly as possible. Our focus is on proper documentation and scope development rather than emergency tarp-and-dry services—though we can coordinate those services when needed. Once engaged, we begin damage assessment, photo documentation, and preliminary scope development immediately.

Yes, we work with all major insurance carriers on commercial and residential large loss claims. Our professional relationships with carriers, adjusters, and claims professionals throughout Florida help facilitate efficient claim processing and fair settlements. We maintain the documentation and communication standards that carriers expect from experienced restoration contractors.

We specialize in large loss insurance restoration, typically projects exceeding $250,000. This includes commercial property damage, multi-family residential complexes, condominiums, HOA common areas, and high-value single-family homes. For smaller residential claims, we can recommend qualified restoration contractors who specialize in that market segment.