Florida Construction Specialists (FCS)

General Contractor Firm — Tampa, FL

Licensed, verified, and working for you — not the carrier.

Large loss contractor; hurricane; fire; water; mold; est 1982; $500K+ claims

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About Florida Construction Specialists (FCS)

Florida Construction Specialists (FCS) is a licensed claims professional serving policyholders in Tampa, Florida. With specialized expertise in insurance claim documentation, negotiation, and settlement advocacy, Florida Construction Specialists (FCS) helps homeowners and commercial clients recover the full value of their covered losses. License #CBC1262722.

Get in touch

Tell Florida Construction Specialists (FCS) about your claim. Most inquiries get a reply the same day.

What Florida Construction Specialists (FCS) helps with

Large loss contractor; hurricane; fire; water; mold; est 1982; $500K+ claims claims

How Florida Construction Specialists (FCS) works with homeowners

Intake
Tell the story of your loss and share your policy and damage photos.
Assessment
Independent review of your claim — scope, policy, and carrier position.
Action plan
A clear next step tailored to your situation, with written recommendations.
Resolution
Ongoing advocacy through documentation, negotiation, and settlement.

Credentials & License

State license

CBC1262722 · FL

Issued by Florida Department of Insurance

Verified

Service area

Tampa, FL

Tampa
Tampa metro area
Florida statewide

Why hire a licensed general contractor in Florida

Licensed and accountable
Licensure means a legal duty to work in your interest, continuing-education requirements, and a state regulator to complain to if something goes wrong.
Experience the carrier respects
Carriers respond differently when a licensed professional is on the file. The paperwork, cadence, and language matter.
Transparent pricing
Fees are disclosed in writing before any work begins. No surprise invoices, no hidden scope.

Representative outcomes

Typical general contractor results on common claim types in Florida. Actual outcomes depend on policy language, damage, and timing.

$14K → $62KWater damage

Burst supply line, kitchen ceiling collapse

A Tampa homeowner came home to a ceiling already on the floor — an upstairs supply line had failed overnight. The carrier's field adjuster scoped cosmetic drywall repair and a fraction of the flooring. Reopening the claim with proper moisture mapping, cabinet box damage documentation, and code-required electrical work moved the settlement from roughly $14K to $62K — enough to replace the full affected floor and bring the home back to pre-loss condition.

Post-storm roof denial reversed

Hail damage

After a FL hail event, a homeowner's carrier denied roof replacement, calling the damage cosmetic. Fresh inspection with calibrated roof-test squares, shingle mat cross-sections, and NOAA storm-data pairing established a supportable replacement case. The denial was reversed and the homeowner received a full roof replacement plus matching gutters and screens.

Reopened claim, corrected scope, better recovery

Reopen & supplement

An initial carrier estimate missed several covered line items. Careful scope review, supporting photographs, and code-required documentation resulted in a supplemental payment materially larger than the original offer — returning the policyholder closer to whole.

Carriers general contractors commonly handle

If your policy is with any of these, Florida Construction Specialists (FCS) can help.

State FarmAllstateFarmersTravelersUSAALiberty MutualNationwideProgressive

Reviews

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Questions people ask

How do I know if I need a general contractor?

If you're facing an insurance claim that's complex, denied, underpaid, or just confusing, a licensed general contractor can make a real difference. The first consultation with Florida Construction Specialists (FCS) is free and tells you whether it's worth moving forward.

What does the first call look like?

You share the story of your loss. Florida Construction Specialists (FCS) asks a few questions, reviews your damage and any carrier correspondence, and tells you — plainly — what your options are. No pressure, no surprise invoices.

Is Florida Construction Specialists (FCS) licensed in Florida?

Yes. Florida Construction Specialists (FCS) is a licensed general contractor verified through the Florida state licensing database. Licensure means accountability, continuing education, and a legal obligation to work in your best interest.

How much does this cost?

Pricing varies by scope and engagement type. Florida Construction Specialists (FCS) will disclose fees in writing before any work begins — no hidden charges, no surprise invoices.

Answers based on general contractor best practices in Florida. Florida Construction Specialists (FCS) can speak to your specific situation in a free call.

Are you Florida Construction Specialists (FCS)?

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