VIP Adjusting - Public Adjusters

08/31/2026

A house fire doesn't have to completely destroy your belongings for them to become part of the insurance claim.

Smoke, soot, heat and firefighting water can affect clothing, furniture, electronics, photographs, mattresses, household goods and personal belongings throughout the home — sometimes far beyond the area where the actual fire occurred.

Then the questions begin:

What should be cleaned and what should be replaced?
Should you allow a contents company to pack everything out?
What happens if you don't have receipts?
How does the insurance company calculate depreciation?
And should you throw away badly damaged belongings?

We put together a comprehensive guide explaining the personal property side of a house fire insurance claim, including contents inventories, pack-outs, smoke damage, cleaning vs. replacement, ACV vs. RCV, and some of the mistakes to avoid after a fire.

If you or someone you know has experienced a house fire, this is worth reading before belongings start leaving the property.

👉 Read the full guide: www.vipadjusting.com/vip-blog/2026/personal-property-after-house-fire-insurance-claim

08/27/2026

⛈️ Were you in the path of the recent Treasure Coast storms?

Hail and high winds can damage roofs and exterior components without leaving obvious signs from the ground.

If you're in Port St. Lucie, Fort Pierce or the surrounding Treasure Coast, VIP Adjusting offers free property damage inspections and claim evaluations.

We represent the policyholder — not the insurance company.
We are Public Adjusters that work and live local to the treasure coast area.

📞 833-WITH-VIP
📞 772-600-4663
🌐 VIPAdjusting.com

08/14/2026

🔥 The fire may not be what caused the most damage...

When firefighters save a home, they often use hundreds or even thousands of gallons of water. That water can damage rooms the flames never touched.

The good news? In many cases, that water damage is covered as part of the same fire insurance claim.

Read our latest article to learn why documenting all the damage—not just the burned areas—is so important.
https://www.vipadjusting.com/vip-blog/2026/the-fire-didnt-destroy-my-homethe-water-did-is-it-covered

When firefighters extinguish a house fire, thousands of gallons of water may cause extensive damage. Learn why homeowners insurance generally covers both the fire and the resulting water damage.

08/14/2026

A fire can damage much more than what actually burns.

🔥 Direct flame damage
🌡️ Heat damage
💨 Smoke and soot contamination
💧 Water from firefighting efforts
🏠 Hidden damage inside walls, ceilings and other building assemblies
🛋️ Damage to furniture and personal property
🌬️ Lingering smoke odors and potential HVAC involvement

One of the biggest mistakes a property owner can make after a fire is assuming that the visibly burned area represents the entire loss.

We created a comprehensive new guide explaining what fire damage really looks like, what homeowners should be looking for, and why properly identifying and documenting each category of damage matters during an insurance claim.

We also discuss firefighting water damage, hidden damage, cleaning vs. replacement, personal property, smoke migration, documentation, and the different portions of a homeowners insurance policy that may come into play after a fire.

At VIP Adjusting, we believe education should come before representation. The more you understand about your property, your policy and the claims process, the better prepared you are to make informed decisions.

👉 Read our complete Fire Damage Guide:
https://www.vipadjusting.com/vip-blog/2026/nptqo6m0j4i58vpz1c2mrnsjnci4bf

If you or someone you know has recently experienced a property fire, VIP Adjusting offers complimentary property inspections, policy reviews, claim evaluations and consultations.

📞 833-WITH-VIP
🌐 VIPAdjusting.com

Learn what fire can really damage in your home, including structural components, smoke, soot, heat, water, HVAC systems and personal property—and what to know when filing a fire insurance claim.

08/03/2026

🔥 What Should You Do in the First 24 Hours After a House Fire?

Experiencing a house fire is one of the most overwhelming events a homeowner can face. Once everyone is safe, it's easy to wonder...

🏠 Can I go back inside?
📸 Should I start cleaning up?
🧾 What should I document?
🏨 Will my insurance pay for a hotel?
🛠️ Can I start repairs right away?

The truth is, the decisions you make during the first 24 hours can have a major impact on your insurance claim.

Our newest article walks homeowners through the critical first steps, including:
✔ Protecting your property
✔ Documenting the damage
✔ Preserving evidence
✔ Understanding your insurance benefits
✔ Avoiding costly mistakes

If you or someone you know has experienced a house fire, we hope this guide provides clarity during a difficult time.

👉 Read: House Fire Insurance Claim: What to Do in the First 24 Hours
https://www.vipadjusting.com/vip-blog/2026/house-fire-insurance-claim-what-to-do-in-the-first-24-hours

A house fire can be overwhelming. Learn exactly what to do in the first 24 hours after a fire, how to protect your insurance claim, and avoid costly mistakes.

07/16/2026

https://www.vipadjusting.com/vip-blog/2026/insurance-claim-denied-what-to-do-next-and-how-to-fight-back-against-an-unfair-denial

Receiving a denial letter from your insurance company can feel overwhelming, but a denial doesn't always mean your claim is over. Learn the most common reasons claims are denied, what your options are, and how homeowners can challenge unfair decisions through additional evidence, supplements, apprai

06/01/2026

https://www.vipadjusting.com/vip-blog/2026/hurricane-season-starts-today-be-prepared-before-the-storm

June 1 marks the start of hurricane season. Learn how to document your property, review your insurance policy, avoid claim pitfalls, and prepare from an insurance claim perspective.

05/08/2026

How long will my insurance claim take?

It is one of the most common questions we are asked, and the honest answer is: it depends.

The timeline can vary based on the type of claim, the policy, the insurance company, the details of the loss, the documentation needed, and whether the claim is accepted, underpaid, partially denied, or denied in full.

Some claims move quickly. Others require patience, persistence, and follow-up. Even when an insurance company makes an initial decision, that does not always mean the claim is finished. If the claim is underpaid or denied, additional steps may be available, including a supplement, negotiation, appraisal, mediation, settlement, or litigation depending on the situation.

At VIP Adjusting, we work to keep your claim moving, make sure your damage is properly documented, and put you in the strongest position possible to recover the payment you are owed.

Read the full article here: https://www.vipadjusting.com/vip-blog/2026/how-long-will-my-insurance-claim-take

04/27/2026

Please join us in congratulating Cristian Bragano on earning his Florida Certified Building Contractor’s license!

This is a major professional accomplishment, and one that reflects Cristian’s hard work, dedication, and continued growth in the industry. As Director of Claims and a Licensed Public Adjuster at VIP Adjusting, Cristian continues to strengthen the expertise we bring to the policyholders we represent.

We’re proud to have him on our team and proud to celebrate this milestone with him!

Read more on our blog: https://www.vipadjusting.com/vip-blog/2026/vip-adjusting-cristian-bragano-contractor-license

04/20/2026

⚠️ You may have already signed away your right to sue your insurance company.

If your property insurance policy includes an arbitration clause, it can completely change how your claim is handled.

Instead of going to court, you could be forced into a private process with:
• No jury
• Limited ability to challenge decisions
• Fewer legal protections

Most homeowners don’t realize this until a claim is denied or underpaid. By then, your options may already be limited.

This is becoming more common, especially here in Florida, and it’s something every homeowner should understand before a loss ever happens.

Read the full breakdown here:
👉 https://www.vipadjusting.com/vip-blog/2026/mandatory-arbitration-insurance-claims

If you’re not sure what your policy says, now is the time to find out.

Call 772-600-4663 or email [email protected] to have a licensed Public Adjuster review your policy and identify any risks before they impact your claim.