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- Jeffrey Von Stein, CPIA, AIC, CRE
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- Jeffrey Von Stein, CPIA, MAI, CRE
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Expert Public Adjuster Expert Insurance Consultant Best Locally Based
The Homeowner's
ADVOCATE
INSURANCE CLAIM EXPERTS
FOR THE POLICYHOLDER!!
About Us
The HomeOwner's Advocate:
Jeffrey Von Stein, CPIA, AIC, 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".
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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
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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Association Management, HOA Community Claims & Real Estate Portfolio Investors
We specialize in helping Association Management firms, Homeowner Associations, Real Estate investors, and Hedge Funds maximize their value claims. Our expertise in complex claims, specific to these industries, ensures optimal outcomes. We aid Boards of Directors by streamlining the claims process and verifying potential overlaps with individual homeowner policies.
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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!!"
Current Clients Testimonials
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Recent Client Successes
NEW CLIENT: Oak Meadows HomeOwner's Association (Pensacola, Florida)
Claim Type:
HOA Surplus Policy
Damage:
Wind Damage to 8 Building (64 Units)
Insurance:
Lloyds of London
Location:
Pensacola, Florida
Results:
Working with a restrictive Surplus policy with low limits and no Other Structure coverage, Able to substantiate new roofs, Painting, and new windows for entire project.
Client:
The HomeOwner's Advocate, and particularly Jeffrey VonStein, were truly an "Advocate". He not only was able to negotiate a great settlement for our HOA, but was very professional in his process. He attended several HOA Board meetings to answer questions and keep the HomeOwner's informed of the process. He also reviewed every single of the 64-unit individual policies and found overlapping as well hidden coverage opportunities.
-Art Strauss, HOA President - Pensacola, Florida
NEW CLIENT: Lanier HomeOwner's Association (Panama City, Florida)
Claim Type:
HOA Wind Claim
Damage:
Wind Damage to 3 Building (15 Units)
Insurance:
Frontline
Location:
Panama City, Florida
Results:
Was able to substantiate new roofs, siding, windows for all 3 buildings after full carrier denial.
Client:
As the HOA President, it was my responsibility to find someone who could help us get at worst new roofs for our HOA. Our board funds were low, so what Jeffrey Von Stein was able to get us was truly remarkable. He is very good at what he does. Very much appreciated.
- Dan Briscall, HOA President - Panama City, Florida
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
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
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
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
5 Star Reviews & Awards
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!
Lisa Whetstone - Pensacola, FL
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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.
Kelly Melendez
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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.
Sean Daley - Milton/Pace, Florida
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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!!
Marcia Sevold - Destin, Florida
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Being a Realtor and Property Manager, I know a lot of people. The HomeOwner's Advocate was able to bring Roofing Experts to dispute the State of Florida 25% Damage Criteria the carriers were Defending. Success!!
Scott P. - Pensacola, FL
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We were referred to Jeffrey VonStein of The HomeOwner's Advocate from a few of our friends on the island he was already working with. Our insurance carrier was absolutely abysmal in their initial offer, and we knew we needed professional help. Boy, did we make the right decision. Jeffrey explained that there were many avenues our claim could go, and he was prepared for each scenario. He kept saying, trust my process. He was able to extract significantly more funds on the supplement offer and then recommended we consider the appraisal process as there was still a significant amount not covered. At the end of the day, after supplement, after appraisal, we ended up with a significant overall settlement that i was extremely satisfied with. If I could give 10 Stars, I would...
Jeffrey Bonner -Sanibel Island, Florida
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When Hurricane Ian hit, we knew we needed professional help. We interviewed several local Public Adjusters and decided to hire Jeffrey Vonstein and The HomeOwners Advocate to represent us not only on our home claim, but also our two rental properties. Each one of these 3 claims had their own specific challenges, but Jeffrey was able to navigate through all of them with three different carriers to help us get a fair estimate. At times, the process was slow and agonizing, but Jeffrey did his best to keep us informed and kept his promise that we should trust his process. His process was successful in getting three fair and reasonable settlements. Given the Opportunity, you won't be sorry by hiring The HomeOwners Advocate.
Deborah & Ron Jerome -Port Charlotte, Florida
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I was referred to The HomeOwner's Advocate from a contractor who knew they were professional and very good at what they do. I had Insurance with State farm and had heard that they were difficult to deal with on claims, so I needed help. They were able to complete a very professional and very detailed estimate of all the damages that I could see and some I couldn't notice. In addition, they didn't just go away just after the first check was issued. They worked very hard through the entire process to get everything I deserved or was owed by helping me with recoverable depreciation. After this entire lengthy process, I now feel that I was made whole after the hurricane. Extremely happy I hired The HomeOwner's Advocate Public Adjusters!!
Sandra Bertrand -Punta Gorda, Florida
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I have been a Property Manager for over 20 years in the Port Charlotte area. I was referred to Jeffrey Vonstein of The HomeOwner's Advocate as a one of the best Public Adjusters. Jeffrey represented not only my own claim, but over 25 of my client's properties. He was successful on each and every one of them, all 25. He is relentless is obtaining just and fair compensation for his clients. I am very appreciative of him and his firm for what they have done for not only me, but for many of my own clients.
I Highly Recommend The HomeOwner's Advocate Public Adjusters!!
I Highly Recommend The HomeOwner's Advocate Public Adjusters!!
Karen S.-Port Charlotte, Florida
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