- 9642 NW 28th Place, Coral Springs, Florida 33065
- StevenBogarPA@gmail.com
- +(954) 303-4321
Florida storms don’t just damage roofs. They leave behind claims that insurers routinely underpay. Lifted shingles, wind-driven rain, and broken windows can cause hidden damage that shows up weeks later.
We inspect your property from top to bottom and document every detail. Most importantly, we separate true storm damage from «wear and tear» — the excuse insurers use most often to cut your payout.
After a fire, the visible damage is only part of the story. Smoke, soot, and odor travel through walls, ductwork, insulation, and everything you own. The water used to put out the fire causes damage of its own.
Insurers often pay for what’s charred and overlook the rest. We document the full scope of your loss — structure, contents, cleanup, and the damage you can’t see — so nothing gets left on the table.
What we handle:
Structural fire damage
Smoke and soot contamination throughout the property
Lingering odor and air-quality cleanup
Water damage from firefighting efforts
Furniture, clothing, electronics, and personal belongings
Years Of Experience
A burst pipe, a leaking AC unit, a failed water heater, or a sewage backup can damage floors, walls, and cabinets in hours. Insurers often fight back by calling it a «long-term leak» or an excluded loss.
We find the source, take moisture readings, and document every affected area — including the damage hidden under floors and behind walls. Sewage backup often requires a specific policy endorsement, so we review your coverage line by line.
A lightning strike can send a power surge through your entire property, frying electronics, appliances, and AC systems in a split second. Hail can crack roof tiles, dent metal, and break skylights — damage that’s rarely visible from the street.
Because this damage is easy to miss, it’s also easy for insurers to underpay. We inspect the roof up close, test what was affected, and build a complete record of your loss.
What we handle:
Power surge damage to electrical systems
Appliances, electronics, and HVAC units
Fire caused by a lightning strike
Cracked or broken roof tiles and shingles
Damaged skylights, gutters, siding, and screens
Years Of Experience
In Florida’s heat and humidity, a small roof leak can turn into stained ceilings, soaked insulation, and mold growth within days. Insurers frequently deny these claims as «maintenance» or «wear and tear.»
We identify what actually caused the leak, because the cause decides the coverage. Mold coverage is often limited in Florida policies, so we review your limits and document every covered repair before the insurer sets the number.
Most homeowners’ policies don’t cover floods. That coverage usually comes from a separate flood policy — through the National Flood Insurance Program (NFIP) or a private carrier — with its own forms, limits, and strict proof-of-loss deadlines.
After a hurricane, insurers often argue over whether damage came from wind or rising water, and each side points to the other. We review both policies, document the damage carefully, and make sure every covered dollar is claimed under the right one.
What we handle:
Rising water from storms and storm surge
Overflowing canals, lakes, and drainage
Building damage: floors, walls, and foundations
Contents and personal property (when covered)
Wind vs. flood disputes after hurricanes
Years Of Experience
Florida’s limestone ground makes sinkholes a real risk. Warning signs often start small: cracks in walls or floors, doors and windows that suddenly stick, or a slab that starts to sink.
These are among the most complex claims in Florida. Standard policies cover catastrophic ground cover collapse, but broader sinkhole coverage usually requires an added endorsement. Sudden structural collapse follows its own set of rules. We review your coverage, coordinate with engineers, and make sure the evidence supports your claim.