About Bear Claims
Built on Experience.
Driven by Results.
Why Bear Claims Exists
After Hurricane Ian devastated Southwest Florida in September 2022, I saw firsthand what happens when insurance companies face thousands of claims at once: they systematically underpay, delay, and deny.
Working on 73 Hurricane Ian claims, I documented the same patterns over and over — carriers offering $661 on $165,000 in damage, reassigning adjusters three or four times to reset negotiations, denying claims by blaming pre-existing conditions that didn't exist.
I started Bear Claims because homeowners deserve someone fighting on their side with the same tools and knowledge the insurance companies use. Our Xactimate estimates use the same software carriers rely on. Our carrier intelligence comes from real battles, not textbooks.
We don't guess what carriers will do — we've documented it.
Credentials & Qualifications
Florida 3-20 Public Adjuster License
License W955442 — All Lines
Florida 6-20 All Lines Adjuster License
Held since February 2023
Xactimate Certified Estimator
3+ years of professional estimating
$50,000 Surety Bond
Per Florida Statute 626.865
73+ Hurricane Claims Handled
Across Southwest & Central Florida
Bilingual
English & Spanish
What Makes Bear Claims Different
Carrier Intelligence
We've documented every major Florida carrier's tactics across 73+ claims — their delay strategies, denial patterns, and underpayment methods. We know what they'll do before they do it.
Communication First
The #1 complaint about public adjusters is poor communication. We built our operation around proactive updates at every claim milestone. You'll never wonder what's happening with your claim.
Full Escalation Pipeline
Negotiation, DFS mediation, appraisal, litigation — we have a proven path at every stage. Our $0-to-$56,700 denial overturn proves the pipeline works.
Service Area
We serve homeowners across the entire state of Florida — from the Panhandle to the Keys.
Licensed to handle claims in all 67 Florida counties.
Hurricane, wind, water, fire, roof & property damage statewide.
Let's Talk About Your Claim
Free inspection. No obligation. No upfront cost. Hablamos Español.
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