Policyholder firstWe work for the insured
Serving Florida statewide · Tampa office
Property damaged? Put a public adjuster on your side.
We document the full loss, prepare the claim, and represent you—not the insurance company.
Call the statewide team813-733-8272Tampa · Florida statewide
claims@mtadjusters.com
Start claim reviewclaims@mtadjusters.com
Home + businessResidential and commercial claims
English + SpanishClear communication in both languages
Florida Public AdjusterJose Theodoro Nunes Weber · W784032
Company results
Experience measured in properties, people, and documented outcomes.
Historical company figures reported by M&T Adjusters. We present them as context—not as a promise of what any individual claim will produce.
Company-reported historical figures. Claim payments and outcomes vary by policy terms, facts, damage, coverage, documentation, and insurer evaluation. Past results do not guarantee future outcomes.
Historical Florida evidence
747%historical difference in median payments
Real numbers deserve real context.
A Florida government review found a 747% difference in median payments for a historical group of 2005-hurricane Citizens claims: $17,187 with public-adjuster representation versus $2,029 without.
Real claims · documented outcomes
From the carrier’s first determination to the documented resolution.
Two separate examples show why a claim needs a complete record and a clear presentation.
Hurricane Milton · Roof claim
Initial carrier determination$0
→Documented total$64,489.68
$9,489.68 prior payment + $55,000 additional settlement
Property claim
Initial carrier outcomeUnder deductible
→Documented award$101,341.71
One payment issued was $68,414.95; supporting records document the full replacement-cost figure.
Important context: OPPAGA Report 10-06 (2010) analyzed 76,321 Florida Citizens claims from March 2008 through June 2009. The 747% figure applies only to its 2005-hurricane category; it is historical Florida evidence, not national or Nevada performance data, an individual average, or a promise of results. The observational study was limited to Citizens, does not establish causation, did not deduct public-adjuster fees, and found represented claims generally took longer. The displayed cases are independent of the OPPAGA statistic; every claim is different and past results do not guarantee future outcomes.
Start with the damage
The right claim begins with the whole loss—not one obvious symptom.
Choose the type of damage to see what may be affected, what to document, and how M&T can help build a clear claim record.
01Water Damage ClaimsTrace the water path and document the full loss.Explore this claim ↗
02Storm & Wind Damage ClaimsDocument roof openings, wind effects, and resulting damage.Explore this claim ↗
03Fire & Smoke Damage ClaimsBuild a clear record of fire, smoke, soot, and water damage.Explore this claim ↗
04Roof Damage ClaimsConnect roof damage to interior and exterior conditions.Explore this claim ↗
05Hail Damage ClaimsRecord impacts and the affected building components.Explore this claim ↗
06Lightning Damage ClaimsDocument electrical, surge, and visible property damage.Explore this claim ↗
07Vandalism Damage ClaimsPreserve conditions, reports, and repair evidence.Explore this claim ↗
08Tornado Damage ClaimsDocument the full property impact after severe wind events.Explore this claim ↗A focused process
From the first conversation to a supported claim.
Review the situation
We discuss the property, event, visible damage, policy, and current claim status.
Document the full loss
We inspect accessible areas and organize photos, measurements, estimates, inventories, and records.
Present and follow through
We prepare the supported claim and communicate through the adjustment process.
President · Public Adjuster License W784032Real leadership, not a stock profile
Your claim is led by a licensed public adjuster.
Jose Theodoro Nunes Weber, President of M&T Adjusters, leads a practical, policyholder-focused process: listen first, document carefully, explain the next step, and never promise a result that the policy and facts do not support.
Meet M&T →Blog & guides
Useful guidance, written for your market.
Clear, source-backed articles to document damage, preserve records, and prepare for the claim conversation.
01The First 24 Hours After Property Damage in Florida
What you do immediately after a Florida loss can protect people, preserve evidence, and make the claim record easier to understand.
Read article →
02Florida Property Claim Photo Documentation: A Room-by-Room Guide
A useful photo record shows location, context, detail, scale, and change over time—not just a folder of unexplained close-ups.
Read article →
03Florida Water Damage vs. Flood Damage: What to Document
“Water damage” describes a condition, not a coverage decision. The source, direction, timing, and policy language require careful documentation.
Read article →01What information is needed for a response?+
Name, phone, email, and ZIP. For safety, do not send policy, claim, account, or banking numbers through a public form.
02Can M&T guarantee coverage or payment?+
No. Coverage, payment, and decisions depend on the policy, facts, damage, documentation, and applicable evaluation.
03What should I do after damage?+
Put safety first. When safe, document conditions before cleanup or material removal and keep receipts and communications together.
04Does M&T work for the insurance company?+
No. M&T represents policyholders within its licensed public-adjuster role.
Start with the facts
Tell us how to reach you. We’ll take it from there.
Phone and email are required so M&T’s statewide team can follow up. Your claim details can be discussed during the call.
