Michael Hosto – Public Adjuster & Damage Restoration in Atlantic Beach, FL

As a public adjuster, Michael Hosto works exclusively for you, not the insurance company. After water damage from events like sewage backup or sump pump failure, he reviews your policy, documents all damage, and negotiates with the insurer to ensure you get the full settlement you're entitled to. This is especially important in Atlantic Beach, where local issues like crawl space moisture and sprinkler leaks can be overlooked by adjusters.

We handle all property damage claims related to fire, water, and storm damage. This includes damage from floods, hurricanes, burst pipes, and appliance leaks. With 35 years of experience, we analyze your insurance policy, value the damage accurately, and work to maximize your recovery—whether you're a homeowner or a contractor.

Yes, we provide maximum recovery for contractors and their insured customers. If you're a contractor dealing with a difficult claim, we step in to handle the policy analysis, damage valuation, and settlement negotiations. This allows you to focus on restoration while we ensure your client gets fair compensation, especially for common local issues like sewage backup or sprinkler system leaks.