Homeowners
Residential claims involving hurricanes, roofs, water, fire, smoke, mold, theft, and other covered losses.
Licensed Florida public adjuster · Statewide service
David Messeri represents homeowners, commercial property owners, and associations. We inspect the loss, prepare detailed estimates, document the claim, and negotiate with the carrier on your behalf.
Each engagement has a distinct role, process, and fee structure. Start with the service that best matches your matter.
Policyholder representation for new, denied, underpaid, supplemental, and complex property claims.
Explore Policyholder Services Insured-sideTechnical appraisal representation when the parties dispute the amount of a covered property loss.
Explore Appraisal NeutralIndependent appraisal administration with conflict disclosures, clear procedures, and organized review.
Explore Umpire Services ConsultingClaim-file review, estimating analysis, technical consulting, and litigation support for complex matters.
Explore Expert ServicesResidential claims involving hurricanes, roofs, water, fire, smoke, mold, theft, and other covered losses.
Building, equipment, inventory, tenant-improvement, and business-income claim documentation.
Common-element, roof, building-envelope, and water-intrusion claims requiring coordinated documentation.
Appraisal, umpire, claim-file review, estimating, and technical consulting engagements.
We don't just document damage; we construct compelling cases that withstand scrutiny and push carriers toward fair settlements.
Where others take a passive role, we actively challenge undervaluations and uncover overlooked entitlements.
We connect policy terms, building science, estimates, and claim evidence to pursue the amount supported by the documented loss.
WIND Certified Appraiser and Licensed Public Insurance Adjuster in Florida with proven expertise.
A disciplined approach to building and presenting a well-supported property claim
We'll evaluate your situation, review your policy, and determine if you have a viable claim.
Our team conducts a comprehensive inspection and documents all damage with photos, videos, and detailed notes.
We prepare and file your claim with detailed documentation that establishes the full extent of your covered losses.
We present the documented scope and negotiate for a fair resolution supported by the policy and available evidence.
We explain the resolution, outstanding obligations, and next steps. Outcomes depend on the policy and facts of each loss.
These reviews describe services David provided during his prior affiliation with Fraser Property & Adjusting before establishing Messeri & Associates.
Answers to what property owners ask us most often
Every loss is different. Our work focuses on building a clear, traceable record instead of promising a particular outcome.
Photographs, measurements, moisture data, reports, and observations organized around the specific components in dispute.
Line-item estimates reviewed for quantities, labor, materials, repair methodology, code items, and documented property conditions.
Relevant policy provisions, carrier communications, inspections, estimates, and deadlines assembled into a coherent claim presentation.
A defined point of contact, documented requests, follow-up on outstanding items, and clear explanations of material developments.
No result or timeline can be guaranteed. Outcomes depend on policy language, available coverage, documentation, carrier decisions, and the facts of the loss.
Request a policyholder claim review or submit a professional matter for availability and conflict checking.