The HomeOwner's

Expert Public Adjuster Expert Insurance Consultant Best Locally Based

INSURANCE CLAIM EXPERTS

FOR THE POLICYHOLDER!!

About Us

The HomeOwner's Advocate:

Jeffrey Von Stein, CPIA, MIA, CRE
Chief Visionary Officer
Licensed Public Adjuster
Certified Insurance Appraiser
Expert Loss Consultant

The HomeOwner's Advocate are " EXPERT" Insurance Claim Consultants, Licensed & Bonded Public Insurance Adjusters, Loss Consultants, and Insurance Claim Appraisers whom represent the interests of Policyholders in times of need. We are licensed and regulated by the Florida Department of Financial Services as we have a "Fiduciary Relationship" to represent our clients' best interests. Basically, Public Adjusters act as "The Coach" of the Property Insurance Claim process for the owners of the policies. As needed, Good LOCAL Public Adjusters have the best players on their team, ie. Roofers, Water Mitigation, Attorneys, Mold Mitigation, Engineers, etc. These relationships help to take the guesswork away from the HomeOwners inexperience. We are "The HomeOwner's Advocate".

Results Matter

Hurricane Damage Claims

Water Damage Claims

Wind Damage Claims

Roof Damage Claims

Flood Damage Claims

Fire Damage Claims

Mold Growth/Damage Claims

Hail Damage Claims

Licensed, Certified, and Specialized in all of the following areas:

Property & Insurance Claim/Damage Experts

Residential Claims

We represent residential policyholders in claims of all kinds, including: Hurricane, Fire, Water / Pipe Burst, Wind, Flood, Building & Ordinance, Vandalism, and most any sudden damage to your property.

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Commercial Claims

Commercial Property Claims can be complex. We have extensive experience, and can obtain the best possible settlement for your business. The founder of our firm has over 25 years of Commercial Real Estate experience.

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Insurance Appraisals

We act as Certified and Appointed Appraisers for ONLY policyholders on disputed claims that require the unbiased adjustment by a professional property adjuster.

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Contractor Evaluation & Vetting

We assist our clients in the Evaluation and Vetting of Contractors throughout the claim and construction improvement process. Our goal is to get our clients as much money as possible to make all of the necessary improvements.

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Construction Consulting

We offer Construction Consulting services to property managers. We are experts in the use of Xactimate estimating software and have extensive experience in restoration, remodeling and new construction. We assist in the creation of estimates for contractors on insurance repairs.

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Home Inspection Services (Evaluate Property Risks)

With our vast Residential & Commercial property experience in various disciplines in addition to public adjusting, We assist our clients in constantly evaluating their property in terms of risk and exposure to potential claims, as well as evaluating their policies to ensure proper coverage guarantee is recovers green.

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We are your "Personal Expert Advocate. Why trust Angie's List, HomeAdvisor when these ratings can be "pay to correct"? In addition, many of these home service lead generators are being sued for not properly vetting their contractors. Insurance Claims happen so rarely, that you cannot afford to make any mistakes.

The process doesn't end with you getting a pile to money to make you "Whole". Don't be Victimized Again by not managing the restoration process correctly. Most Public Adjusters don't offer "Contractor Vetting and Management", but this is a often ignored "Crucial Step" in the entire process.

The HomeOwner's Advocate is truly like having your "Own Personal Advisor" guiding you from A to Z through the " Entire Process".

"Do it Once, Do it Right!!"

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We represent you, not the Insurance Company!

Current Clients Testimonials

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Jurema Barichello

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Rálima Gesmira

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Ragnar Lothbrok

Recent Client Successes

NEW CLIENT - January 15, 2021

Claim Type:

Hurricane Damage (Wind/Flood)

Damage:

Roof, Exterior, Interior, Flooding

Insurance:

HomeOwner's Choice

Location:

Pensacola, FL 32507

Results:

We were able to increase and "Initial Denial" to over $165,000 in Final Settlement.

Client:

Jeffrey is what he preaches. An absolute Bull-Dog in Negotiations and not taking no for an answer, ever... David D.-Pensacola

NEW CLIENT - February 12, 2021

Claim Type:

Hurricane Damage (Wind/Tree)

Damage:

Roof, Tree Strike, Structural, Mold

Insurance:

Universal Properties

Location:

Pensacola, FL 32504

Results:

Client was an Elderly woman who had just signed with a fraud scammer before I was referred. $78,000 Final Settlement

Client:

I though all contractors, and all Public Adjusters were the same, Boy was I wrong. Very Happy. Janet D..-Pensacola

NEW CLIENT - January 25, 2021

Claim Type:

Hurricane Damage (Wind/Tree)

Damage:

Roof, Tree Strike, Structural Issues

Insurance:

Tower Hill

Location:

Perdido Key, FL 32507

Results:

Able to bring in Foundation Engineers to substantiate a Complete Loss of Property for $375,000 Total Settlement, including $35,000 of Additional Living Expenses.

Client:

I was informed by insurance that my home was repairable. Jeff was to allow me to get a fresh start. Thanks you so much. Howard D..-Perdido Key

NEW CLIENT - April 29, 2021

Claim Type:

FIRE (ALE/ Law & Ordinance)

Damage:

Fire Destroyed Home

Insurance:

State Farm Insurance

Location:

Tallahassee, FL 32317

Results:

Utilized significant Building Code knowledge to obtain an additional $55,000 for Law & Code ,on top of a $475,000 Total Settlement.

Client:

Can't say enough about how your knowledge, expertise, and careful guidance is helping me rebuild my Life. Marge A...-Tallahassee, FL

NEW CLIENT - March-June, 2021

Claim Type:

Hurricane (WIND)

Damage:

Damaged Roofs / Leaks

Insurance:

Multiple Carriers (5 Rentals)

Location:

Pensacola, FL

Results:

Able to substantiate New Roofs on 5 Rental Duplexes after all were full Carrier Denials.

Client:

Being a Realtor and Property Manager, I know lot of people. The HomeOwner's Advocate was able to bring in Roofing Experts to dispute the State of Florida's 25% Damaged Criteria the carriers were Defending. Success!! Scott P..-Pensacola, FL

5 Star Reviews & Awards

Hurricane BLOG: Get your Questions Answered

5 Star Reviews

Client Testimonials

What our clients say about us

I was referred to Jeffrey Von Stein of The Home Owner’s Advocate from a HOA President of an Apartment Complex he was representing as well. I had a couple rental properties in Pensacola. One of them had a tree crush its roof and my property was unrentable. Jeffrey was able to get my policy maximum on my claim. My only wish was that my policy limits were higher. He could’ve gotten much more. He also helped me with verifying that a tree removal guy was legit. Jeffrey goes beyond what a regular public adjuster does as he helps to qualify contractors as well. Very Happy with results!

I had hurricane Sally damage and my insurance was just putting me off and saying I would only receive $2500 due to the age of my home. I hired Jeffery and he came over with very specific equipment to access the damage and I ended up receiving over $23,009 to be able to complete all the repairs necessary to keep my homes value. I would hire him everytime it’s necessary.

Jeffrey Von Stein of The HomeOwner's Advocate-Expert Public Adjusters represented me on my Hurricane Sally Claim with Universal Properties. Initially, Universal denied my claim even though I had water in the house. Jeff had numerous claims with Universal and they knew he wouldn't give in. So pleased with the result, that we had him handle my father's claim as well. Highly recommended.

I hired Jeffrey Von Stein of The HomeOwner’s Advocate to help me with my Hurricane Sally claim. Initially, my carrier only wanted to pay for 1/2 of my roof and didn't want to pay for anything else. Jeffrey was able to not only get me a full new roof, but was also able to get other things like my generator replaced. It took awhile, but in the end, we were very happy with his representation. Highly Recommended!!

Expert Public Adjuster Expert Insurance Consultant Best Locally Based

The Homeowner's

INSURANCE CLAIM EXPERTS

FOR THE POLICYHOLDER!!

About Us

The HomeOwner's Advocate:

Jeffrey Von Stein, CPIA, MIA, CRE Chief Visionary Officer Licensed Public Adjuster Certified Insurance Appraiser Expert Loss Consultant

Claim Denied or Underpaid?

Results Matter

Hurricane Damage Claims

Water Damage Claims

Wind Damage Claims

Roof Damage Claims

Flood Damage Claims

Fire Damage Claims

Mold Growth/Damage Claims

Hail Damage Claims

Licensed, Certified, and Specialized in all of the following areas:

Property & Insurance Claim/Damage Experts

Residential Claims

Commercial Claims

Insurance Appraisals

Contractor Evaluation & Vetting

Construction Consulting

Home Inspection Services (Evaluate Property Risks)

CONTACT NOW

We represent you, not the Insurance Company!

Current Clients Testimonials

Recent Client Successes

NEW CLIENT - January 15, 2021

Claim Type:

Hurricane Damage (Wind/Flood)

Damage:

Roof, Exterior, Interior, Flooding

Insurance:

HomeOwner's Choice

Location:

Pensacola, FL 32507

Results:

We were able to increase and "Initial Denial" to over $165,000 in Final Settlement.

Client:

Jeffrey is what he preaches. An absolute Bull-Dog in Negotiations and not taking no for an answer, ever... David D.-Pensacola

NEW CLIENT - February 12, 2021

Claim Type:

Hurricane Damage (Wind/Tree)

Damage:

Roof, Tree Strike, Structural, Mold

Insurance:

Universal Properties

Location:

Pensacola, FL 32504

Results:

Client was an Elderly woman who had just signed with a fraud scammer before I was referred. $78,000 Final Settlement

Client:

I though all contractors, and all Public Adjusters were the same, Boy was I wrong. Very Happy. Janet D..-Pensacola

NEW CLIENT - January 25, 2021

Claim Type:

Hurricane Damage (Wind/Tree)

Damage:

Roof, Tree Strike, Structural Issues

Insurance:

Tower Hill

Location:

Perdido Key, FL 32507

Results:

Able to bring in Foundation Engineers to substantiate a Complete Loss of Property for $375,000 Total Settlement, including $35,000 of Additional Living Expenses.

Client:

I was informed by insurance that my home was repairable. Jeff was to allow me to get a fresh start. Thanks you so much. Howard D..-Perdido Key

NEW CLIENT - April 29, 2021

Claim Type:

FIRE (ALE/ Law & Ordinance)

Damage:

Fire Destroyed Home

Insurance:

State Farm Insurance

Location:

Tallahassee, FL 32317

Results:

Utilized significant Building Code knowledge to obtain an additional $55,000 for Law & Code ,on top of a $475,000 Total Settlement.

Client:

Jeffrey Von Stein, CPIA, MIA, CRE
Chief Visionary Officer
Licensed Public Adjuster
Certified Insurance Appraiser
Expert Loss Consultant