Policy Pitbull — Licensed Public Adjuster
Licensed · Brevard County Policy Pitbull Kristian Delgado · Lic. #W385853
Florida's Most Aggressive Public Adjuster

YOUR
INSURER
HAS A
FIGHTER.
SO DO YOU.

We maximize your insurance claim. Period.

Insurance companies have adjusters working to minimize your payout. Policy Pitbull is a licensed public adjuster that works exclusively for you — fighting to recover every dollar you're owed after property damage. Serving homeowners and businesses across all of Florida.

Get Free Claim Review Call (954) 338-9905
747%
More recovered with a public adjuster vs. going alone
$0
Upfront cost — we only get paid when you do
100%
On your side — never the insurance company's
Policy Pitbull mascot — fighting insurance companies for you
Fighting For Florida Homeowners

Get Your Free Claim Review

No obligation · Response within 2 hours

Licensed Florida Public Adjuster · No upfront fees · Confidential

🏛️ Kristian Delgado · Licensed FL Public Adjuster
📍 Serving All of Florida
💰 No Upfront Fees — Ever
⚡ Free Same-Day Reviews
🤝 You Pay Only When You Win
The Process

How We Fight For You

From the moment you call to the day you receive your full settlement — we handle everything.

01
📞
Free Review
Call or submit online. We review your claim, your policy, and your damage at no cost — and tell you exactly what we think you're owed.
02
🔍
Full Inspection
We conduct a thorough on-site inspection using professional tools — moisture meters, thermal cameras, and structural expertise — to document every dollar of damage.
03
📋
We Negotiate
We build your claim package, submit it to the insurer, and negotiate aggressively on your behalf. You don't talk to the insurance company — we do.
04
💵
You Get Paid
When the settlement is finalized, you receive the maximum payout your policy allows. We take a small percentage of what we recover for you — nothing upfront, ever.
What We Handle

Every Type of Property Claim

If your property was damaged and you have insurance, we can help. Brevard County's storms, floods, and hurricanes create some of the most complex claims in Florida — and we've seen all of them.

🌀
Hurricane & Wind
The most disputed claims in Florida

Hurricane and wind damage claims are the most frequently underpaid in Brevard County. Insurers scrutinize every detail to minimize their exposure.

  • Wind-driven rain damage
  • Roof loss and structural damage
  • Storm surge and flooding
  • Debris impact damage
  • Supplemental claims after storms
💧
Water & Flood
Disputed more than any other type

Insurers routinely reclassify water damage as flood damage to shift claims off their policy. We make sure your claim is characterized correctly and fully paid.

  • Pipe burst and plumbing failures
  • Appliance overflow and leaks
  • Roof leak water intrusion
  • Flood and storm surge damage
  • Mold resulting from water damage
🔥
Fire & Smoke
Contents often missed by insurers

Fire damage claims involve structural loss, smoke contamination, and personal property — all three areas where adjusters regularly undervalue the scope of damage.

  • Structural fire damage
  • Smoke and soot contamination
  • Personal property inventory
  • Additional living expenses
  • Code upgrade requirements
🏠
Roof Damage
Hail, wind, and age disputes

Insurance companies frequently attribute roof damage to "wear and tear" rather than covered storm events. We document the storm nexus to protect your claim.

  • Hail impact damage
  • Wind uplift and shingle loss
  • Total roof replacement claims
  • Partial damage disputes
  • Matching coverage for partial repairs
⚡
Denied Claims
Your claim isn't over until we say so

A denial is not the final word. We review denied claims, identify the basis for denial, and build the documentation to overturn it or file a supplemental claim.

  • Policy interpretation disputes
  • Wrongful denial reversal
  • Supplemental claim filing
  • Coverage classification disputes
  • Appraisal and umpire process
🏗️
Commercial Property
Business interruption included

Commercial property claims involve more complex policies, higher stakes, and business interruption coverage that insurers consistently undervalue or exclude.

  • Commercial building damage
  • Business interruption claims
  • Equipment and inventory loss
  • Tenant improvement coverage
  • Multi-building portfolio claims
Why Policy Pitbull

We Work For You.
Not Them.

⚖️
Licensed & Local in Brevard County
We're not a national company flying in after a disaster. We live and work here in Brevard County. We know the local building codes, the common damage patterns, and the adjusters your insurance company sends.
🔬
Professional-Grade Documentation
We use moisture meters, thermal imaging cameras, and industry-standard estimating software to document every dollar of damage — not just what's visible on the surface.
💪
Aggressive Negotiation, Zero Conflict of Interest
Your insurer's adjuster has a financial incentive to close your claim for less. We have the opposite incentive — our fee is a percentage of your settlement, so the more we recover for you, the more we earn.
🛡️
No Upfront Cost, No Risk
You never write us a check until your claim settles. If we don't increase your payout, you owe us nothing. Every homeowner deserves representation — not just those who can afford to pay upfront.
747%
More money recovered for policyholders who used a public adjuster vs. those who didn't
Florida Office of Insurance Regulation data
Kristian Delgado
Licensed Florida Public Adjuster · Lic. #W385853
Policy Pitbull mascot
3×
Average increase over initial insurer offer
98%
Of claims we take result in higher payouts
$0
Owed if we can't improve your settlement
24hr
Typical response time for free review
Client Results

Brevard Homeowners We've Helped

★★★★★
Hurricane Ian destroyed my roof and the insurance company offered me $14,000. Policy Pitbull got me $61,000. I literally cried when I got the check. I could not have rebuilt without them.
MR
Maria R.
Orlando / Central Florida · Hurricane Wind Claim
★★★★★
My water damage claim was denied because the insurance company said it was "flood related." Policy Pitbull reviewed my policy, disputed the classification, and got my claim approved and paid. Game changer.
DT
David T.
Miami / South Florida · Water Damage Claim
★★★★★
I had no idea public adjusters existed. My neighbor told me to call after my roof claim was lowballed. Initial offer was $8,400. Final settlement: $47,000. I'll never file a claim without them again.
SL
Sandra L.
Fort Lauderdale / Broward · Roof Hail Damage
★★★★★
Fire took out our kitchen and living room. The insurance company's adjuster missed half the damage. Policy Pitbull did a full inspection with thermal cameras and found $38,000 in hidden smoke damage the adjuster never noted.
JK
James K.
Tampa / St. Petersburg · Fire & Smoke Damage
★★★★★
They handled everything. I didn't have to talk to my insurance company once. They filed, negotiated, and when it was done, I had a check for three times what the insurer originally said my damage was worth.
PW
Patricia W.
Jacksonville / North Florida · Hurricane Damage
★★★★★
My claim had been sitting unresolved for 8 months. I called Policy Pitbull on a Tuesday and had a full inspection done by Thursday. Settlement reached in 6 weeks. Don't wait — call them first.
RC
Robert C.
Naples / Southwest Florida · Denied Claim
Still Have Questions?
We're available 7 days a week. Call us for a free, no-pressure consultation about your claim.
(954) 338-9905
Free consultations · 7 days a week
Common Questions

FAQ

A public adjuster is a licensed professional who represents policyholders — not insurance companies — during the claims process. When you file a property damage claim, your insurer sends their own adjuster to assess your loss. That adjuster works for the insurance company. A public adjuster works exclusively for you, documenting the full scope of damage and negotiating to maximize your settlement.
Policy Pitbull works on a contingency fee — a percentage of the final settlement amount. There is no upfront cost, no retainer, and no fee if we cannot improve your payout. In Florida, public adjuster fees are regulated by the state. We discuss our fee clearly before we begin any work. Because our fee comes from what we recover for you, our incentive is fully aligned with yours.
Yes. A denial is not necessarily final. We review the basis for denial, examine your policy language, and build a case to dispute it. Many denials result from improper classification (e.g., calling water damage "flood damage"), insufficient documentation, or policy misinterpretation. We also file supplemental claims when new damage is discovered or when the original settlement did not cover the full scope of loss.
No. You can hire a public adjuster at any point during the claims process — before you file, after you file, or even after you've received a settlement offer. If you've already accepted a settlement, your options may be more limited, but in many cases supplemental claims are still possible. The earlier you involve us, the stronger your position — but it's rarely too late to get help.
This is one of the most important distinctions in property insurance. Water damage — covered under standard homeowners insurance — refers to water that originates inside your home (burst pipe, appliance failure, roof leak). Flood damage — only covered under a separate flood policy — refers to water that rises from outside and enters your property. Insurance companies frequently try to reclassify water damage as flood damage to reduce their liability. We fight this classification when it's wrong.
We serve the entire state of Florida — from Miami and Fort Lauderdale in the south, to Orlando and Tampa in the middle, to Jacksonville and Pensacola in the north. No matter where you are in Florida, we can review your claim and fight for your settlement.
Timeline varies depending on claim complexity, insurance company responsiveness, and whether disputes arise. Many straightforward claims resolve within 4–8 weeks. Complex claims, disputes, or appraisal proceedings can take 3–6 months. We work to expedite every claim and keep you informed throughout. The most important thing is not rushing to accept a low offer — a few extra weeks of negotiation often means tens of thousands of additional dollars in your settlement.
Service Area

Serving All of Florida

From the Panhandle to the Keys, we fight insurance companies for Florida homeowners and business owners statewide. No matter where you are in Florida, you deserve a fair settlement.

Miami
Fort Lauderdale
Orlando
Tampa
Jacksonville
Naples
Sarasota
West Palm Beach
Gainesville
Pensacola
Tallahassee
Key West
📍
Florida Statewide
Florida's most aggressive
public adjuster
Call (954) 338-9905
Homeowner Resources

Know Your Rights.
Know Your Claim.

All Articles →
💧
Featured Article Claims Education
May 1, 2026 8 min read Awareness
Water Damage vs. Flood Damage: Why the Difference Costs Homeowners Thousands
Your basement is full of water. Your floors are ruined. You call your insurance company expecting help — and that's when you hear something that changes everything: "That looks like flood damage. You'll need to check your flood policy." If you don't have a separate flood policy, you may be looking at zero coverage — even though your homeowners insurance has been active for years.
Read Full Article →
🏠
Homeowner Tips
May 8, 2026 6 min read
What to Do Immediately After Water Damage in Your Home
Water damage moves fast. Within 24 hours, mold begins to grow. The steps you take in the first few hours after discovering water damage have a direct impact on how much your insurance company pays you. Here's exactly what to do — in order.
Read Article →
📋
Claims Education
May 15, 2026 7 min read
NFIP vs. Private Flood Insurance: Which Pays More on Claims?
The NFIP and private flood insurance are not the same thing — and the difference shows up most clearly when you file a claim. Building limits, contents coverage, and temporary living expenses all differ dramatically. Here's what you need to know before hurricane season.
Read Article →
🌀
Hurricane Season
May 22, 2026 5 min read
Hurricane Season 2026: What Brevard County Homeowners Need to Know Before June 1
June 1 marks the start of Atlantic hurricane season — and Brevard County's coastal exposure makes preparation more critical than ever. From documenting your home to understanding your policy limits, here's what to do this week before the season begins.
Read Article →
🔥
Claims Education
Apr 18, 2026 6 min read
How to Dispute a Low Insurance Settlement Offer
Your insurer made an offer. It doesn't cover what repairs will actually cost. You have the right to dispute it — and the right strategy can turn a $20,000 settlement into a $75,000 settlement. Here's exactly how the dispute process works.
Read Article →
🏠
Homeowner Tips
Apr 10, 2026 5 min read
Hail Damage to Roof: What's Covered, What's Not, and What to Document
Hail the size of a marble can bruise a shingle enough to void its warranty — but look totally fine from the ground. Insurance companies bank on homeowners not knowing the difference. Here's how to document hail damage before calling your insurer.
Read Article →
⚖️
Public Adjuster
Apr 4, 2026 4 min read
Public Adjuster vs. Insurance Company Adjuster: What's the Difference?
When you file a property damage claim, two different types of adjusters may be involved. One works for you. One works for the insurance company. Understanding the difference — and your right to hire your own — could be the most valuable thing you read this year.
Read Article →
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Licensed Florida Public Adjuster · Brevard County · No spam, ever.

STOP LEAVING
MONEY ON THE
TABLE.

Your insurance company has professionals fighting to pay you less. It's time you had a professional fighting to pay you more. Free review. No upfront cost. No risk.

Get My Free Claim Review Call (954) 338-9905

No upfront fees. No obligation. Call Kristian Delgado — Licensed Florida Public Adjuster · Serving All of Florida. You only pay when we win.