11/11/2025
Steven Lipham
Licensed Public Adjuster
Fighting for Homeowners in Florida, California & Georgia
Storms. Wildfires. Property Damage. You Don’t Have to Face
Insurance Alone.
Insurance companies have adjusters working for them.
A Public Adjuster works for you.
Across the country, homeowners are dealing with major losses from the three hurricanes that tore through Florida in late 2024 (Debby, Helene, and Milton) to the devastating wildfires across California, and the destruction Hurricane Helene brought into Georgia.
Steven is licensed, experienced, and equipped to help homeowners in all three states recover what they’re owed.
Florida – Hurricanes Debby, Helene & Milton
Late 2024 brought three hurricanes that left widespread roof, structural, and interior damage across Florida. Many homeowners were underpaid, denied, or never had their damage fully inspected.
Deadlines are approaching.
Steven can review, reopen, and fight your claim before time runs out.
California – Wildfire Losses
Wildfires across California left families displaced, homes damaged, and claims severely undervalued. Smoke, soot, ash, and heat damage are often overlooked or minimized by insurance companies.
Steven helps homeowners navigate complex wildfire claims, properly document every layer of damage, and secure the full benefits the policy promises.
Georgia – Hurricane Helene
Helene struck parts of Georgia hard, bringing heavy wind, flooding, roof damage, and widespread tree impact.
Steven assists homeowners in the affected areas by identifying hidden storm damage, reopening claims, and ensuring insurance companies honor their obligations.
Why Hiring a Public Adjuster Matters
1. Full Damage Identification
Hidden roof, attic, moisture, and structural damages are often missed. Steven ensures nothing is overlooked.
2. Strong Documentation & Estimates
Accurate, construction-based estimating backed by decades of hands-on building experience.
3. Skilled Negotiation
Insurance companies respond differently when a knowledgeable adjuster represents the homeowner.
4. Deadline Protection
Steven keeps your claim on track, preventing denials for late filings or missing documents.
5. Reopening Underpaid or Mishandled Claims
Especially for Debby, Helene, Milton, and California wildfire claims, where underpayment is rampant.
About Steven
30+ years construction background (commercial & residential)
Expert in roofing, structural systems, water damage, and wildfire losses
Proven results in hurricane, wind, water, fire, and mold claims
Handles everything from inspection through final settlement
Works only for the policyholder — never the insurance company
Your Home. Your Rights. Your Recovery.
Whether it’s Florida hurricane damage, California wildfire losses, or Georgia storm impacts, you don’t have to fight the insurance company alone.
Steven Lipham – Ask An Adjuster
Florida License
California License #4460250
Georgia License #3849543
