SANTOS PUBLIC ADJUSTERS

06/23/2026

The fire was miles away. The smoke was in your living room.
Is that covered? In most cases — yes. 👇

Standard Florida homeowners insurance covers smoke damage
as a named peril, even when the fire source was nowhere
near your property. But there's a catch: insurers
consistently underestimate smoke damage because most of
it isn't visible on the surface.

What they almost always miss:
▸ HVAC contamination — smoke pulled through your entire
home's duct system
▸ Electronics — acidic particles cause corrosion that
shows up weeks later
▸ Soft goods — carpets, upholstery, and clothing that
can't be fully remediated
▸ Odor remediation — ozone treatment, thermal fogging,
encapsulation are all covered costs
▸ Hidden soot in insulation and wall cavities

Save this before you file. 🔖

Full guide:
www.santospa.com/post/does-homeowners-insurance-cover-smoke-damage-florida

FREE claim review — no obligation.
📞 305.696.7818
Gustavo Santos Jr. | Lic.E033725
Santos Public Adjusters

06/23/2026

Most Florida homeowners don't know their insurance covers
smoke damage — even when fire never reached their home.

If you noticed smoke odor, soot, or haze inside your home
during the recent Miami-Dade brush fires, that may be a
covered claim. Here's exactly what your policy covers,
what it doesn't, and how to file correctly.

👉 www.santospa.com/post/does-homeowners-insurance-cover-smoke-damage-florida

FREE claim review
305-696-7818
Santos Public Adjusters

06/23/2026

Most Florida homeowners don't know their insurance covers
smoke damage — even when fire never reached their home.

If you noticed smoke odor, soot, or haze inside your home
during the recent Miami-Dade brush fires, that may be a
covered claim. Here's exactly what your policy covers,
what it doesn't, and how to file correctly.

👉 www.santospa.com/post/does-homeowners-insurance-cover-smoke-damage-florida

FREE claim review
305-696-7818
Santos Public Adjusters

Multiple brush fires are currently burning in West Miami-Dade, including the Quarry 2 Fire, the Well Fire, and the Coptic Fire — together covering an area roughly the size of Coral Gables. While Miami-Dade Fire Rescue and the Florida Forest Service have made significant progress on containment, ex...

06/22/2026

The fire didn't need to reach your home to damage it.

Brush fires are burning in West Miami-Dade, and smoke has
drifted across the county. If you've noticed haze, odor,
or soot inside or outside your home, that may be a covered
insurance claim — even with no fire damage in sight.

What to know right now 👇
www.santospa.com/post/miami-dade-brush-fires-smoke-damage-homeowners

FREE property review
📞 Santos Public Adjusters
Gustavo Santos Jr. | Lic.E033725
305-696-7818
[email protected]

Multiple brush fires are currently burning in West Miami-Dade, including the Quarry 2 Fire, the Well Fire, and the Coptic Fire — together covering an area roughly the size of Coral Gables. While Miami-Dade Fire Rescue and the Florida Forest Service have made significant progress on containment, ex...

06/22/2026

🔥 Smoke from the Miami-Dade brush fires doesn't need to reach your roof to damage your home. 👇

Thick smoke has drifted across Miami-Dade and into Broward this week. Even homes miles from the fire line
can take on smoke damage — in HVAC systems, carpets, upholstery, and exterior surfaces.

Here's what to know right now:
▸ Smoke damage is generally covered under standard FL
homeowners insurance — even without fire reaching your home
▸ Document any haze, odor, or soot with timestamped photos
▸ Set your HVAC to recirculate, not pull outside air
▸ Lingering smoke odor after a few days is worth a
professional assessment
▸ Contaminated HVAC systems are one of the most
underestimated parts of a smoke damage claim

If your home has been affected, we're here to help.
Free property review — no obligation.

Full guide:
www.santospa.com/post/miami-dade-brush-fires-smoke-damage-homeowners

📞 305-696-7818
Gustavo Santos Jr. | Lic.E033725
Santos Public Adjusters

06/22/2026

Document first. Repair second. 📸

It sounds simple — but it's the mistake that costs
Florida homeowners the most money every single year.

The moment you clean up, patch the ceiling, or throw
away damaged materials, you've erased the evidence
your claim is built on. Insurance adjusters need to
see damage in its original state. Once it's gone,
it's gone.

Read our complete step-by-step documentation guide —
link below 👇
https://www.santospa.com/post/how-to-document-property-damage-for-insurance-claim

FREE claim review — no obligation.
📞 305.696.7818
Santos Public Adjusters
Gustavo Santos Jr.
Lic.E033725

06/18/2026

Here's how to make sure you come out ahead. 👇

Florida homeowners file hurricane claims once or twice in
a lifetime. Insurance companies process them every single
day. That experience gap is why most hurricane settlements
come in lower than they should.

8 steps to a fair hurricane claim:
▸ Safety first — don't enter until it's clear
▸ Document EVERYTHING before touching anything
▸ Emergency repairs only — preserve the evidence
▸ Read your policy before you call the insurer
▸ Report promptly — the clock starts when you do
▸ Be present for the adjuster's inspection
▸ Never accept the first offer without a review
▸ Know your right to dispute, appraise, and appeal

Save this before storm season gets active. 🔖

Read the full step-by-step guide:
santospa.com/post/hurricane-damage-insurance-claim-process-florida

FREE claim review — no obligation, no pressure.
📞 305.696.7818 | Santos Public Adjusters
Gustavo Santos Jr. | Lic.E033725

06/17/2026

Save this. Share it with a homeowner who needs it. 🔖

There are 6 things total in our full guide — link in bio: https://www.santospa.com/post/mold-damage-insurance-claim-florida

Got a mold claim you're not sure about? FREE review —
no obligation, no pressure.

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

Santos Public Adjusters
Gustavo Santos Jr. | Lic.E033725

06/16/2026

Hurricane season questions? We've got answers. 👇

These are the questions Florida homeowners ask us every
June — and the answers could mean the difference between
a paid claim and a denied one.

Swipe through our FAQ and save it before a storm develops.

FREE pre-season claim review — no obligation.

📞 305.696.7818
🌐 www.santospa.com

Santos Public Adjusters
Gustavo Santos Jr. | Lic.E033725

06/16/2026

Hurricane season is active. What you do in the first 48
hours after a storm determines your entire settlement.

Most Florida homeowners have never filed a major hurricane
claim. Insurance companies handle them every day. We break
down all 8 steps — from documenting damage to disputing
a low offer.

Read the full guide 👇
santospa.com/post/hurricane-damage-insurance-claim-process-florida

FREE claim review — 305.696.7818 | Santos Public Adjusters