Natural disasters
Hurricanes, windstorms, hailstorms, tornadoes and floods, plus additional living expenses while the home can’t be lived in. Damage is often widespread, and policies cover more than hurricanes.
FOR CONTRACTORS GENERAL CONTRACTORS AND ROOFERS
Has one of your clients suffered damage? Claim it.
We are licensed public adjusters. We inspect the damage, review the policy and negotiate the insurance claim, so your client has the money to do the job right, and you keep the job.
- Free inspection of the damage
- Free policy review
- Banks that front the cost of repairs
- Hurricane
- Roof
- Water
- Fire and smoke
- Mold
- Theft
- Vandalism
- Hail
- Windstorm
- Business income loss
01 WHY IT MATTERS
Don’t lose a client
because they can’t afford you.
Your estimate covers the whole job. The insurance company’s first offer often covers part of it. When the gap is too big, the client puts the repair off, patches it, or calls someone cheaper.
We close that gap from the claim side. We document every item of the loss, prepare a full estimate and negotiate it with the insurer, so the payment reflects the real job: more money to complete the renovation or repair.
Don’t settle for a repair
when your client is owed a replacement.
In Florida, it is illegal to represent a client against their insurance company without the proper license. We hold it. You keep building.
02 HOW IT WORKS
You bring the job.
We bring the claim.
One call from you. We take it from the inspection to the check.
- 1YouTell us about the client
Call us or send the form below: who the client is, where the property is and what happened.
- 2Lux ClaimsFree inspection and policy review
We meet your client at the property, inspect the damage and read the policy to see what it covers.
- 3Lux ClaimsWe work the claim
An estimate to restore the property to its condition before the loss. We handle every insurance and expert inspection, negotiate the amount of the loss, and reopen or supplement the claim if more damage shows up.
- 4Lux ClaimsThe check arrives
We handle the mortgage processing of the insurance checks and help line up funding so repairs can start.
- 5YouYou do the job
With the claim paid on the full scope, your client can afford the repair you quoted.
03 HOW WE HELP
Ten things we take
off your plate.
From the first inspection to the day the repair starts.
- Free detailed inspection
Of the damage, room by room and on the roof.
- Free policy review
To determine what the policy covers.
- Estimate of the damages
To restore the property to its condition before the loss.
- Insurance and expert inspections
We schedule them, attend them and answer for the claim.
- A wide range of experts
Plumbers, engineers and mold specialists ready to assist.
- Negotiation
For the maximum amount of the loss.
- Mortgage processing
Of any insurance company checks, so the funds get released.
- Repair start dates
With different loan options, for third-party contractors.
- Litigation, if needed
Attorneys who specialize in first-party claims.
- Administrative support
Paperwork, calls and follow-up, start to finish.
04 FUNDING
Start the job
before the check is in the mail.
We work with banks that are willing to front the cost of repairs, repaid when the claim checks are delivered. Your client gets the work done, and you aren’t left financing the job.
- Repairs start sooner. No waiting weeks for the check to arrive in the mail.
- Loan options for third-party contractors, so a start date can be set with your client.
- Mortgage company on the check? We handle the processing so the funds are released.
Funding is provided by third-party lenders. Approval and terms depend on the lender and the claim.
05 CLAIMS WE HANDLE
Residential and commercial.
Most kinds of loss.
Water damage
Broken pipes, A/C leaks, drain backups, shower pan leaks and roof leaks. One of the most common losses, and one that leads to mold when it isn’t handled properly.
Fire and smoke
Electrical, kitchen and yard fires spread fast, and smoke reaches rooms the fire never touched. Fires caused by lightning are covered too.
Mold, mildew and bacteria
Where there is moisture, mold can start growing within 24 to 48 hours. We work with mold assessors and remediators to document it and contain the spread.
Vandalism and theft
Most common after evictions, in vacant houses and after break-ins. We work with the owner to understand what happened and account for the loss.
Income loss
Business interruption and loss of use. We analyze the damages and represent businesses in their business income loss claims.
06 QUESTIONS
What contractors
ask us first.
Straight answers before you send a client. If yours isn’t here, call (305) 400-1035.
Who pays Lux Claims?
Your client, never you. Our fee is a percentage of what the insurer pays, agreed in writing with your client before any work starts. Nothing comes out of your estimate.
Florida caps the fee: 10% for claims from an event under a state of emergency during the year after it is declared, and 20% for other claims. s. 626.854(11), Florida Statutes.Do you do repairs or compete with my business?
No. We work the claim. The repair stays with you.
Can you use my estimate?
Yes, send it with the client’s details. We compare it with our own documentation of the loss so nothing in your scope is left out of the claim.
How fast can you see my client?
We call your client the same business day and schedule the inspection as soon as they are available.
Will I see the insurer’s estimate and the settlement?
With your client’s permission, yes. We share the insurer’s estimate and the approved scope so you can plan the job and spot what is missing.
Why can’t I just help my client with the claim myself?
In Florida, interpreting a policy, advising on coverage or adjusting a claim is reserved for licensed adjusters. A contractor who does it can be fined up to $10,000 per violation. Send the claim to us and keep your license safe.
s. 489.147, Florida Statutes.The insurer already paid or denied the claim. Is it too late?
Not always. A closed claim can be reopened with notice within 1 year of the date of loss, and a supplemental claim for more damage from the same event can be noticed within 18 months.
s. 627.70132, Florida Statutes.SEND A CLIENT FREE CLAIM EVALUATION
Tell us about the job.
We call your client.
A free evaluation of your client’s claim: their policy limits and the realistic amount of their loss.
(305) 400-1035 (305) 400-1217 claims@luxclaims.comMon–Fri, 9:00 am–6:30 pm
Helpful to send: your client’s name and phone, the property address, photos of the damage and your estimate if you have one.