A stronger voice
for your claim.
Property damage is overwhelming. Your insurance claim doesn’t have to be. We help Florida homeowners and businesses navigate every step, from inspection to payment.
Where are you in your claim?
Property damage?Let’s take a closer look.
From our Lake Worth base, we help homeowners and businesses across Florida document hurricane, roof and water damage and manage their property insurance claims.
A complicated claim.A clear next step.
We handle the paperwork, meet with your insurance inspector and negotiate on your behalf. You stay informed throughout the process.
Talk through your situation
01Your propertyInspect & review
We listen, review your policy and carry out a free, complete inspection. We document the damage and prepare an estimate based on covered losses.
Start with a free inspection02Your claimPrepare & file
We organize the evidence and required documents, help prepare your claim and navigate the requirements and deadlines in your policy.
03Your representationCoordinate & negotiate
We coordinate inspections, meet with the insurance adjuster and negotiate on your behalf. You stay informed as the claim progresses.
04Your paymentFollow through to payment
We discuss the outcome and next steps with you, and follow the payment process through to the funds reaching your account.
At home. At work.We’re in your corner.
Your home is more than a property.
When damage disrupts everyday life, you deserve someone who understands the claim. We work for you, the homeowner, through each stage of the process.
Tell us about your property- Complete property inspection
- Review of your insurance policy
- Damage documentation & claim management
- Direct communication through to payment
Real people.Personal attention.
At Tropical Loss Consultants, your claim is handled by a team that takes the time to understand what happened and what comes next.
We work for you and stay involved from your first conversation through the payment process, with clear communication and guidance at every step.
A local business.On your side.
Tropical Loss Consultants is a locally owned public adjusting business based in Lake Worth. We help homeowners and commercial property owners across Florida understand their insurance claims and take the next step.
Johnny Pilla Jr, TLC’s owner, brings 18 years of experience to the business. He and the TLC team review your policy, document the damage and represent your interests with the insurance company, keeping you informed along the way.
- Based in Lake Worth. Serving all Florida.
- Personal attention in English and Spanish.
Property owners.In their own words.
Selected excerpts from our clients’ Google reviews.
“I can't even begin to describe the wonderful work that John and Mercedes did on the claim. Their team is very knowledgeable and well versed in claim in handling. I am delighted to recommend them.”
“This company was referred to me by some family members that received TLCs help. I'm extremely glad I reached out. Johnny was very detailed and thorough, as well as very strategic with how he approached my insurance company and communicated …”
“Johnny from TLC was a lifesaver! His expertise and guidance made all the difference in my insurance claim process. He took the time to understand my situation and worked tirelessly to ensure I received a fair settlement.”
Clear answers.Before you decide.
Still have a question? Tell us what’s on your mind.
Ask us on WhatsAppWhat does a public adjuster do?
A public adjuster represents the property owner during an insurance claim. We help inspect and document the damage, prepare the claim, communicate with the insurer and negotiate payment.
How much does the inspection cost?
The complete property inspection and initial consultation are free. We serve properties throughout Florida, with no location-based condition on the free inspection.
When do I pay for your services?
We work on a contingency basis, with no upfront fees. If we do not recover money, you do not owe us a fee. We discuss the applicable fee with you from the first call, and it is set out in your agreement.
Can you help with a denied or underpaid claim?
We can review an existing claim, including one that was denied or paid below what you believe the damage requires. Whether further action is available depends on the policy, facts and applicable deadlines.
What should I have ready?
A copy of your insurance policy is the best place to start. Be ready to tell us where the property is, what happened and approximately when the damage occurred.
Do you repair the property or sell insurance?
We manage property insurance claims. We do not sell insurance or carry out repairs. We can recommend contractors; the contractor you choose is responsible for their work and guarantees.
How long will my claim take?
There is no single timeline for every claim. We discuss your particular circumstances and the process with you directly, rather than promise a fixed completion date.
Tell us whathappened.
Start with a conversation and a free, complete property inspection. We’re here 24/7, in English and Spanish.
5805 Monterra Club Drive
Lake Worth, FL 33463