SANTOS PUBLIC ADJUSTERS

06/04/2026

⚠️ Hurricane season started June 1. Here's what South Florida homeowners need to do RIGHT NOW. 👇

Most homeowners wait until a storm is in the forecast. By then you have days — not weeks — to get your documentation, coverage, and claim strategy in order. That's not enough time.

Save this. Do it this week. 🔖

5 things to do before the season gets active:
▸ Read your policy — know your hurricane deductible TODAY
▸ Check if you have separate wind and flood coverage
▸ Walk through your property and record a video now
▸ Inspect your roof, shutters, and gutters before it rains
▸ Know your claim rights under Florida law before you need them

Read our full guide here: https://www.santospa.com/post/hurricane-season-2026-florida-homeowners-guide

Questions about your coverage? FREE pre-season review —
no obligation, no pressure.

📞 305.696.7818
🌐 www.santospa.com
📧 [email protected]

Santos Public Adjusters
Gustavo Santos Jr. | Lic.E033725

06/04/2026

⚠️ Hurricane season officially started June 1. Is your home ready?

Every year, South Florida homeowners are blindsided — not by the storms, but by what comes after. Underpaid claims. Denied coverage. Insurance policies with gaps nobody knew about until it was too late.

The time to prepare your claim strategy is RIGHT NOW — before a storm is in the forecast and you have days, not weeks, to act.

In our 2026 hurricane season guide, we cover:
✅ What to look for in your policy before season gets active
✅ How to document your property now so your claim is bulletproof
✅ Your rights under Florida law when filing a hurricane claim
✅ What to do in the first 48 hours after a storm passes
✅ When to call a public adjuster — and why earlier is always better

Don't let this season catch you unprepared.

👉 Read the full guide here: https://www.santospa.com/post/hurricane-season-2026-florida-homeowners-guide

---

Have questions about your hurricane coverage? We offer FREE pre-season claim reviews — no obligation.

📞 Santos Public Adjusters
Gustavo Santos Jr. | Lic.E033725
305.696.7818 | www.santospa.com
[email protected]

June 1 marks the official start of Atlantic hurricane season — and in South Florida, that date isn't a formality. It's a deadline.Every year, homeowners across Miami-Dade, Broward, and Palm Beach County are caught off guard — not by the storms themselves, but by what happens after. Underpaid cla...

06/04/2026

Does your insurance cover mold? Swipe to find out. 👉

This is one of the most misunderstood areas of Florida
homeowners insurance — and getting it wrong can cost you
tens of thousands out of pocket.

Swipe for 6 things to know before you file a mold claim.

Found mold and not sure what's covered? FREE review —
no obligation.

📞 305.696.7818
🌐 https://www.santospa.com/post/mold-damage-insurance-claim-florida

Santos Public Adjusters
Gustavo Santos Jr. | Lic.E033725

06/03/2026

That water stain on your ceiling isn't just cosmetic. It's evidence that something is already wrong — and in Florida, it spreads fast. 👇

Most water damage in Florida is hidden. By the time you see it, mold has been growing for days. Structural materials are already compromised. And your insurance claim just got a lot more complicated.

Save this — it could save your home. 🔖
https://www.santospa.com/post/hidden-water-damage-signs

Found any of these? Call us for a FREE claim review — no obligation.

📞 305.696.7818
🌐 www.santospa.com
📧 [email protected]

Santos Public Adjusters
Gustavo Santos Jr. | Lic.E033725

06/03/2026

Does insurance cover mold? That depends on one thing. 👇

In Florida, mold coverage follows water damage coverage.
If the water event was sudden — burst pipe, appliance
failure, storm damage — mold remediation is generally
covered. If it was a slow drip nobody noticed for months,
it's typically denied.

That one distinction determines everything. Save this. 🔖

6 things every Florida homeowner should know:
▸ Sudden events = covered. Slow leaks = denied
▸ Flood damage mold needs separate flood insurance
▸ Humidity and condensation mold = not covered
▸ You must document drying efforts or risk denial
▸ A licensed mold assessor's report changes disputed claims
▸ A denial is not final — challenge it with the right help

Read our full post: https://www.santospa.com/post/mold-damage-insurance-claim-florida

Found mold after a water event? FREE review — no obligation.

📞 305.696.7818
🌐 www.santospa.com
📧 [email protected]

Santos Public Adjusters
Gustavo Santos Jr. | Lic.E033725

06/01/2026

Does insurance cover mold?" is one of the most common
questions we get — and the answer is almost never a simple
yes or no.

In Florida, whether your mold claim is covered depends
entirely on what caused the water that caused the mold.
A burst pipe: likely covered. A slow leak that's been
dripping for months: likely denied. Understanding the
difference before you file can save you thousands.

In our latest guide, we cover:
✅ When mold from water damage IS covered in Florida
✅ The most common reasons mold claims get denied
✅ Why flood damage mold requires separate coverage
✅ How to document a mold claim before remediation begins
✅ What to do when your mold claim is denied

If you've found mold in your home after a water event —
read this before you call your insurer.

👉 Read the full guide here: https://www.santospa.com/post/mold-damage-insurance-claim-florida

---

Found mold and not sure if it's covered? FREE claim
review — no obligation.

📞 Santos Public Adjusters
Gustavo Santos Jr. | Lic.E033725
305.696.7818 | www.santospa.com
[email protected]

Mold is one of the most misunderstood — and most contested — areas of Florida homeowners insurance. Ask ten homeowners whether their policy covers mold damage and you'll likely get ten different answers. The reality is more nuanced than most people realize, and the difference between a covered m...

06/01/2026

Got questions about water damage and insurance? We've got answers. 👇

Florida homeowners ask us these questions all the time —
and the answers can mean the difference between a paid
claim and a denied one.

Swipe through our FAQ and save this for when you need it. 🔖
https://www.santospa.com/post/hidden-water-damage-signs

Still have questions? FREE claim review — no obligation.

📞 305.696.7818
🌐 www.santospa.com
📧 [email protected]

Santos Public Adjusters
Gustavo Santos Jr. | Lic.E033725

05/30/2026

That water stain on your ceiling isn't just cosmetic. It's evidence that something is already wrong — and in Florida, it spreads fast. 👇

Most water damage in Florida is hidden. By the time you see it, mold has been growing for days. Structural materials are already compromised. And your insurance claim just got a lot more complicated.

Save this — it could save your home. 🔖

10 hidden signs to look for right now:
▸ Water stains that reappear after painting
▸ Musty smell that won't go away after cleaning
▸ Soft spots or hollow-sounding tiles underfoot
▸ Peeling or bubbling paint on exterior walls
▸ Rust staining with no obvious source nearby
▸ White chalky residue on concrete or stucco
▸ Unexplained water bill increase
▸ Mold at the base of walls or grout lines
▸ Sagging or soft ceilings
▸ Warped or stained baseboards

Found any of these? Call us for a FREE claim review — no obligation.

📞 305.696.7818
🌐 www.santospa.com
📧 [email protected]

Santos Public Adjusters
Gustavo Santos Jr. | Lic.E033725

05/29/2026

That musty smell. The water stain that keeps coming back. The floor tile that suddenly sounds hollow. These are signs of hidden water damage — and most Florida homeowners don't recognize them until it's too late.

Water damage isn't always obvious. In Florida's climate, moisture moves silently through walls, under floors, and behind ceilings for weeks before it becomes visible. By the time you see it, mold is growing, structural materials are compromised, and the cost of repair has multiplied.

In our latest guide, we cover:
✅ 10 hidden signs of water damage in Florida homes
✅ Why Florida's climate makes hidden damage worse
✅ The difference between covered and non-covered damage
✅ What to do — and what not to do — when you find it

👉 Read the full guide here: https://www.santospa.com/post/hidden-water-damage-signs

---

Found water damage and not sure what your claim is worth? FREE claim review — no obligation.

📞 Santos Public Adjusters
Gustavo Santos Jr. | Lic.E033725
305.696.7818 | www.santospa.com
[email protected]

Water damage is one of the most common — and most expensive — property insurance claims in Florida. But not all water damage looks like a flooded floor or a dripping ceiling. In many cases, the most costly water damage is the kind you can't see: moisture working silently behind walls, under floo...

05/29/2026

Is your home hiding water damage right now? Swipe to find out. 👉

In Florida's climate, hidden moisture spreads faster than anywhere else. These are the 8 signs we look for on every claim inspection — most homeowners miss all of them until it's already expensive.

Swipe through all 8 before your next storm season.

Found something that concerns you? FREE claim review — no obligation.

📞 305.696.7818
🌐 www.santospa.com

Santos Public Adjusters
Gustavo Santos Jr. | Lic.E033725