Business Details
50+ Years
experience
Trusted Insurance Claims Adjusters in Fort Walton Beach
Founded in 1962 by William D. Todd, Todd Claim Service has operated as a family-run business for over 55 years. Our team combines 181 years of experience in independent claims adjusting and inspections, serving the Northwest Florida region from Tallahassee to Pensacola. We specialize in handling natural disaster claims, fire damage, roof assessments, and mediation services with a focus on professionalism and client satisfaction. Our adjusters utilize advanced technologies like Xactimate and Symbility to ensure accurate, efficient claims processing. We prioritize client needs by providing personalized guidance through complex insurance processes, including relocation assistance and expedited claim resolutions.With a philosophy centered on integrity and partnership, we aim to build long-term trust with insurance carriers and policyholders alike. Our expertise spans residential and commercial claims, covering auto, general liability, and catastrophe events. We have played critical roles in major disaster recoveries, including Hurricane Ivan in 2004, demonstrating our commitment to community resilience. Our team includes four full-time all-lines adjusters and trained administrative staff dedicated to meeting industry standards. We invite insurance agencies to collaborate with us for reliable, transparent claims solutions tailored to the North Florida region.
Services
Fire Claims
Roof Claims
Wind Damage
Natural Disaster Claims
Mediation Services
Appraisal Adjustments
Umpire Services
Slip and Fall Investigations
Catastrophe Claims
Property Inspections
Details
- Year established: 1962
Highlights and features
- We have over 55 years of experience in independent insurance claims adjusting.
- Our team combines 181 years of expertise in handling natural disaster claims.
- We utilize Xactimate and Symbility for accurate, efficient claims processing.
- Our adjusters are certified in residential and commercial property inspections.
- We provide personalized guidance through complex claim processes with relocation assistance.
Associations and certifications
- Insurance Appraisal and Umpire Association (IAUA)
Services
Natural Disaster Claims
We handle hurricane, tornado, and flood claims with 55+ years of experience. Our adjusters use advanced technology to document damage and expedite settlements. Services include relocation guidance and detailed photo documentation for insurance carriers.
Fire Claims
Our team investigates residential and commercial fire losses, determining origin and cause. We utilize Xactimate for accurate estimates and provide relocation assistance. Services include content documentation and expedited claim processing to aid policyholder recovery.
Roof Claims
We specialize in wind, hail, and storm-related roof damage evaluations. Adjusters conduct thorough inspections to prevent further property loss. Services include photo documentation and Xactimate-based repair cost estimates for residential and commercial properties.
Mediation Services
As IAUA members, we facilitate mediation between carriers and public adjusters. Our 25+ years of experience ensure fair appraisal processes. Services include umpire representation and dispute resolution for property insurance claims.
Slip and Fall Investigations
We investigate slip and fall incidents on the Emerald Coast. Services include site inspections, witness statements, and medical bill reviews. Our team helps determine liability and facilitates fair settlements for commercial property claims.
People
W. Scott Todd
Owner
Co-managing partner with over 30 years of claims adjusting experience. Specializes in catastrophe response and property inspections. Leads team operations in Fort Walton Beach.
Charles Todd
Co-Owner
Handles complex claims and business development. 28 years of experience in insurance adjustments. Focuses on client relationships and operational efficiency.
Karen Goudelock
Office Manager
Manages administrative operations with 20+ years of insurance industry experience. Coordinates workflow between adjusters and insurance carriers.
Ted Abbott
General Claim Adjuster
Certified adjuster specializing in residential and commercial property claims. 15 years of experience handling hurricane and wind damage assessments.
Questions
How do I file an insurance claim with Todd Claim Service?
Contact us directly at (850) 685-7170 or through your insurance carrier. We accept assignments via Xactimate at TODD.FORT_WALTON_BEACH.FL.2.
What areas do you service for claims adjustments?
We serve Northwest Florida from Tallahassee to Pensacola, including Destin, Fort Walton Beach, Navarre, Niceville, and Crestview.
What types of insurance claims do you handle?
We handle all-lines property claims including fire, roof, wind, natural disasters, slip and fall, and mediation services for residential and commercial properties.
Are your adjusters certified and trained?
Yes, all adjusters are certified in Xactimate and Symbility with combined 181 years of experience in independent claims adjusting.
How quickly can you respond to emergency claims?
We prioritize urgent claims and respond promptly during regular business hours. Catastrophe teams mobilize immediately for major events.
Do you offer 24/7 claims assistance?
Our office hours are 8:30a-4:30p Mon-Fri, but we coordinate emergency responses through insurance partners outside these hours.
