# Five Star Claims Adjusting

> Need help with your property damage insurance claim? Five Star Claims Adjusting fights for homeowners and businesses to get the maximum payout. Free inspections. No recovery, no fee.

Five Star Claims Adjusting is a licensed public insurance adjusting firm founded in 2007, headquartered in Maitland (Orlando), Florida, with offices across Florida and licensed operations in Texas and Massachusetts. Public adjusters represent the policyholder (the homeowner, condo association or business) in a property insurance claim, never the insurance company. The firm works on contingency: no upfront cost, and no fee unless the claim is paid.

Key facts:
- $1 Billion+ dollars recovered
- 19+ years in business
- 60,000+ satisfied clients
- 1,500+ google reviews
- Main phone: 888-578-2735
- Email: info@fivestaradj.com
- Principal: Brian A. Macomber, PCA | Co-President | License #D040072
- Linkedin: https://www.linkedin.com/company/five-star-claims-adjusting-central-florida
- Instagram: https://www.instagram.com/fivestarclaimsadjusting
- Facebook: https://www.facebook.com/FiveStarCFL
- Youtube: https://www.youtube.com/@fivestarclaimsadjusting1965

## Questions answered (start here)

- [Public adjuster questions, answered](https://fivestarclaimsadjusting.com/public-adjuster-questions/): 52 direct answers on fees, when to hire, underpaid and denied claims, hurricane, wind, flood and roof claims (including Hurricane Isaias), and commercial losses, with the Florida and Texas rules cited.
- [Do I need a public adjuster?](https://fivestarclaimsadjusting.com/public-adjuster-questions/#do-i-need-one): When professional representation pays for itself, and when it does not.
- [Cost, fees and what you keep](https://fivestarclaimsadjusting.com/public-adjuster-questions/#fees): How public adjuster fees work, the Florida and Texas caps, and what happens if nothing more is recovered.
- [What a public adjuster actually does](https://fivestarclaimsadjusting.com/public-adjuster-questions/#what-we-do): Who a public adjuster represents, how they differ from the carrier's adjuster, and what the work looks like day to day.
- [Underpaid, denied and stalled claims](https://fivestarclaimsadjusting.com/public-adjuster-questions/#underpaid-denied): What to do when the estimate is too low, the claim is denied, the carrier blames wear and tear, or nothing is happening.
- [Choosing a public adjuster](https://fivestarclaimsadjusting.com/public-adjuster-questions/#choosing): How to verify a licence, what to ask, and the red flags in a contract.
- [Hurricane, hail, wind and roof claims](https://fivestarclaimsadjusting.com/public-adjuster-questions/#hurricane-roof): Hurricane Isaias, flood versus wind coverage, what to document, cosmetic and wear-and-tear denials, partial repair and engineer disputes.
- [Fire, water and mold](https://fivestarclaimsadjusting.com/public-adjuster-questions/#fire-water): Water losses, what to save before mitigation, mold limits and additional living expenses.
- [Commercial, condo association and large-loss claims](https://fivestarclaimsadjusting.com/public-adjuster-questions/#commercial): Business property, HOA and condo master-policy claims, business interruption and lost rents.
- [The claim process with a public adjuster](https://fivestarclaimsadjusting.com/public-adjuster-questions/#process): How long it takes, whether it slows the claim, and how payments and mortgage endorsements work.
- [Ready for a claim review](https://fivestarclaimsadjusting.com/public-adjuster-questions/#ready): What we need to review an estimate or a denial, and how a claim in progress is taken over.

## Core pages

- [Home](https://fivestarclaimsadjusting.com/): what a public adjuster does and how Five Star works for policyholders
- [How it works](https://fivestarclaimsadjusting.com/how-it-works/): the six-step claim process from free inspection to settlement
- [Commercial claims](https://fivestarclaimsadjusting.com/commercial-claims/): large-loss, multifamily, HOA/condo and business claims
- [About Five Star](https://fivestarclaimsadjusting.com/about-us/): team, licences, reviews and office locations
- [Texas public adjusters](https://fivestarclaimsadjusting.com/texas-public-adjusters/)
- [Massachusetts public adjusters](https://fivestarclaimsadjusting.com/massachusetts-public-adjusters/)
- [Hurricane Isaias claims](https://fivestarclaimsadjusting.com/hurricane-isaias-claims/): Hurricane Isaias (October 2026) wind, roof, rain and flood damage claims in the Florida Panhandle, including Pensacola, Perdido Key, Pensacola Beach, Navarre, Destin, Fort Walton Beach and Panama City; homes, condo associations, HOAs and commercial properties (hotels, retail, offices, multifamily); Florida emergency fee cap of 10%
- [Maximize your claim](https://fivestarclaimsadjusting.com/maximize-your-claim/): why first offers come up short

## Claim types handled

- [Hurricane Damage](https://fivestarclaimsadjusting.com/types-of-damages/hurricane-damage/): Hurricanes bring wind, rain, and flooding—often all at once. We handle the complexity of hurricane claims to get you the recovery you deserve.
- [Hail / Wind Damage](https://fivestarclaimsadjusting.com/types-of-damages/hail-wind-damage/): Wind and hail rarely announce themselves. We document bruised shingles, lifted seams, and impact damage insurers routinely write off as wear and tear.
- [Roof Damage](https://fivestarclaimsadjusting.com/types-of-damages/roof-damage/): A compromised roof threatens everything under it. We prove the date of loss and the full scope of repair, not a patch-and-move-on estimate.
- [Flooding Damage](https://fivestarclaimsadjusting.com/types-of-damages/flooding-damage/): Floods can quickly destroy floors, walls, and foundations. We document every detail and fight to get you the full compensation you’re entitled to.
- [Water Damage](https://fivestarclaimsadjusting.com/types-of-damages/water-damage/): Water damage can quickly spread and cause costly repairs. We help ensure every drop of damage is properly documented and covered.
- [Fire Damage](https://fivestarclaimsadjusting.com/types-of-damages/fire-damage/): Fires often cause more than visible destruction—smoke, soot, and water damage add to the loss. We handle the full scope of your fire damage claim.
- [Mold Damage](https://fivestarclaimsadjusting.com/types-of-damages/mold-damage/): Mold spreads fast and is often excluded or limited in policies. We help prove the cause, document the damage, and push for maximum coverage.
- [Storm Damage](https://fivestarclaimsadjusting.com/types-of-damages/storm-damage/): Severe storms can leave behind roof damage, broken windows, and hidden leaks. Our adjusters make sure your storm-related losses are fully accounted for.
- [Pipe Breaks Damage](https://fivestarclaimsadjusting.com/types-of-damages/pipe-breaks-damage/): A failed supply line can soak a home in minutes. We separate the excluded pipe from the covered damage it caused — where the real money sits.
- [Hot Water Heater Leak](https://fivestarclaimsadjusting.com/types-of-damages/hot-water-heater-leak/): Water heaters fail slowly, then all at once. We document the sudden loss and the resulting damage to flooring, drywall, and cabinetry.
- [HVAC Overflow Damage](https://fivestarclaimsadjusting.com/types-of-damages/hvac-overflow-damage/): A blocked condensate line can flood ceilings and ducts before anyone notices. We trace the water path and the mold exposure that follows.
- [Toilet & Laundry Overflow Damage](https://fivestarclaimsadjusting.com/types-of-damages/toilet-laundry-overflow-damage/): Overflow losses spread across rooms and floors. We document contamination category, affected materials, and the full cost to make you whole.
- [Shower Pan Failures Damage](https://fivestarclaimsadjusting.com/types-of-damages/shower-pan-failures-damage/): Shower pan and valve failures leak behind tile for months. We prove the cause of loss and the hidden damage insurers try to call maintenance.
- [Lightning Damage](https://fivestarclaimsadjusting.com/types-of-damages/lightning-damage/): Lightning damage is often electrical and invisible. We bring in the experts needed to prove surge damage to systems, appliances, and electronics.
- [Tornado Damage](https://fivestarclaimsadjusting.com/types-of-damages/tornado-damage/): Tornado losses are total, sudden, and complex. We manage structure, contents, and additional living expenses as one coordinated claim.
- [Sinkhole Damage](https://fivestarclaimsadjusting.com/types-of-damages/sinkhole-damage/): Sinkhole claims turn on engineering reports. We coordinate testing, challenge adverse findings, and pursue the full cost of stabilization and repair.
- [Personal Property Damage](https://fivestarclaimsadjusting.com/types-of-damages/personal-property-damage/): Contents claims are won on inventory. We build a defensible, line-item schedule so replacement cost is paid — not a depreciated guess.
- [Vandalism Damage](https://fivestarclaimsadjusting.com/types-of-damages/vandalism-damages/): Vandalism claims stall on proof and intent. We document the loss properly and push back when carriers question coverage.
- [Theft](https://fivestarclaimsadjusting.com/types-of-damages/theft/): Theft claims demand proof of ownership and value. We assemble the documentation carriers ask for and negotiate the settlement you're owed.

## Offices

- HQ — Maitland, FL: 1060 Maitland Center Commons Blvd, Suite 310, Maitland, FL 32751 · (321) 444-6981 · Licence W811078
- Orlando South: 2488 E. Michigan St, Suite 209, Orlando, FL 32806 · (321) 295-7021 · Licence W811384
- Southwest Florida: 6151 Lake Osprey Drive, Suite 345, Sarasota, FL 34240 · (941) 202-2343 · Licence W811383
- South Florida 1: 1640 W Oakland Park Blvd #202, Oakland Park, FL 33311 · (954) 302-1106 · Licence W811430
- South Florida 2: 1640 W Oakland Park Blvd #201, Oakland Park, FL 33311 · (954) 302-1106 · Licence W811429
- Texas — Dallas: 1999 Bryan Street, Suite 900, Dallas, TX 75201 · (713) 487-5167 · Licence undefined

## Optional

- [Resources and insurance news](https://fivestarclaimsadjusting.com/resources/)
- [Artificial Intelligence Transforms Coastal Flood Risk Assessment For Rising Seas](https://fivestarclaimsadjusting.com/insurance-news/blog/2026/artificial-intelligence-transforms-coastal-flood-risk-assessment-for-rising-seas/)
- [Atlantic Hurricane Season Officially Underway: What Homeowners Must Know Now](https://fivestarclaimsadjusting.com/insurance-news/blog/2026/atlantic-hurricane-season-officially-underway-what-homeowners-must-know-now/)
- [Atlantic Tropical Disturbance Signals Potential Development Over Gulf Waters](https://fivestarclaimsadjusting.com/insurance-news/blog/2026/atlantic-tropical-disturbance-signals-potential-development-over-gulf-waters/)
- [Atlantic Tropical Weather Outlook Shows Calm Conditions Ahead](https://fivestarclaimsadjusting.com/insurance-news/blog/2026/atlantic-tropical-weather-outlook-shows-calm-conditions-ahead/)
- [Climate Change Accelerates Hail Damage Risk Across Property Insurance Markets](https://fivestarclaimsadjusting.com/insurance-news/blog/2026/climate-change-accelerates-hail-damage-risk-across-property-insurance-markets/)
- [El Niño Forecast Signals Severe Weather Ahead For Property Owners](https://fivestarclaimsadjusting.com/insurance-news/blog/2026/el-nino-forecast-signals-severe-weather-ahead-for-property-owners/)
- [El Niño’s Grip on Gulf Coast Hurricane Season: What Texas Property Owners Must Know](https://fivestarclaimsadjusting.com/insurance-news/blog/2026/el-ninos-grip-on-gulf-coast-hurricane-season-what-texas-property-owners-must-know/)
- [Extreme Heat And Humidity Grip South Florida Through Fourth Of July Weekend](https://fivestarclaimsadjusting.com/insurance-news/blog/2026/extreme-heat-and-humidity-grip-south-florida-through-fourth-of-july-weekend/)
- [Extreme Heat And Sudden Storms Threaten Central Florida Homeowners This Weekend](https://fivestarclaimsadjusting.com/insurance-news/blog/2026/extreme-heat-and-sudden-storms-threaten-central-florida-homeowners-this-weekend/)
- [Extreme Heat Dome Threatens Lower 48 States With Dangerous Temperatures](https://fivestarclaimsadjusting.com/insurance-news/blog/2026/extreme-heat-dome-threatens-lower-48-states-with-dangerous-temperatures/)
- [Fireworks at home risk property damage and claims](https://fivestarclaimsadjusting.com/insurance-news/blog/2026/fireworks-at-home-risk-property-damage-and-claims/)
- [Flood Risk Accelerating Across America: What Homeowners Need to Know](https://fivestarclaimsadjusting.com/insurance-news/blog/2026/flood-risk-accelerating-across-america-what-homeowners-need-to-know/)
- [Florida Insurance Claim Filing Deadlines: What Every Homeowner Needs to Know](https://fivestarclaimsadjusting.com/insurance-news/blog/2026/florida-insurance-claim-filing-deadlines-what-every-homeowner-needs-to-know/)
- [Florida’s Hurricane Season 2026: A Calmer Forecast, A Persistent Threat](https://fivestarclaimsadjusting.com/insurance-news/blog/2026/floridas-hurricane-season-2026-a-calmer-forecast-a-persistent-threat/)
- [Houston Weather Patterns And Property Insurance Claims: What Homeowners Need To Know](https://fivestarclaimsadjusting.com/insurance-news/blog/2026/houston-weather-patterns-and-property-insurance-claims-what-homeowners-need-to-know/)
- [How Prompt Action After Storm Damage Can Save Your Property Insurance Claim](https://fivestarclaimsadjusting.com/insurance-news/blog/2026/how-prompt-action-after-storm-damage-can-save-your-south-florida-property-insurance-claim/)
- [Hurricane Milton Claim Recovery: April 9th Deadline Approaches for Florida Homeowners](https://fivestarclaimsadjusting.com/insurance-news/blog/2026/hurricane-milton-claim-recovery-april-9th-deadline-approaches-for-florida-homeowners/)
- [Midwest Tornado Outbreak Leaves Trail Of Destruction Across Illinois And Indiana](https://fivestarclaimsadjusting.com/insurance-news/blog/2026/midwest-tornado-outbreak-leaves-trail-of-destruction-across-illinois-and-indiana/)
- [Navigating the Aftermath: How to Handle a Fire Damage Claim in Florida](https://fivestarclaimsadjusting.com/insurance-news/blog/2026/navigating-the-aftermath-how-to-handle-a-fire-damage-claim-in-florida/)
- [Preparing Your Florida Home For Hurricane Season: A Comprehensive Roof Readiness Guide](https://fivestarclaimsadjusting.com/insurance-news/blog/2026/preparing-your-florida-home-for-hurricane-season-a-comprehensive-roof-readiness-guide/)
- [Record Wildfire Season Signals Catastrophic Year Ahead For Property Claims](https://fivestarclaimsadjusting.com/insurance-news/blog/2026/record-wildfire-season-signals-catastrophic-year-ahead-for-property-claims/)
- [Supplemental Claims Explained: What Every Florida Property Owner Should Know](https://fivestarclaimsadjusting.com/insurance-news/blog/2026/supplemental-claims-explained-what-every-florida-property-owner-should-know/)
- [The Texas Homeowner’s First 48 Hours: Your Post-Storm Survival Checklist](https://fivestarclaimsadjusting.com/insurance-news/blog/2026/the-texas-homeowners-first-48-hours-your-post-storm-survival-checklist/)
- [The Ultimate Guide to Filing a Roof Damage Claim After a Florida Storm](https://fivestarclaimsadjusting.com/insurance-news/blog/2026/the-ultimate-guide-to-filing-a-roof-damage-claim-after-a-florida-storm/)
- [Timing Your Public Adjuster Call: Why Pre-Claim Documentation Matters In Florida](https://fivestarclaimsadjusting.com/insurance-news/blog/2026/timing-your-public-adjuster-call-why-pre-claim-documentation-matters-in-florida/)
- [Sitemap](https://fivestarclaimsadjusting.com/sitemap.xml)