Florida Licensed Public Adjuster · Lic. #W402769
Omni Vista Public Adjusters represents Florida policyholders on property insurance claims — and serves as a neutral appraiser and umpire nationwide. We bring carrier-side experience and certified estimating to every property loss.
You had a property loss and the carrier's offer doesn't reflect the true cost to repair it. We work only for you — start to finish. Florida homeowners and property owners.
See how we represent you →A competent, impartial panel member with a construction background and defensible methodology. Available as appraiser or neutral umpire nationwide.
See appraisal services →For Policyholders
A public adjuster works for the policyholder — not the insurance company. We document the full scope of your loss, prepare a defensible estimate, and manage the claim from first notice through final payment, so the settlement reflects what it actually costs to make your property whole.
When an insurer reviews your claim, it sends an adjuster who works for the insurer. You're entitled to the same caliber of expertise on your side. That's the entire job of a public adjuster.
Our approach is built on real construction knowledge. When we document a roof or a water loss, we're drawing on years of estimating and field experience — not just policy language. That means line items don't get missed, depreciation is applied correctly, and the scope reflects the building as it's actually built.
We handle the documentation, the estimate, and the back-and-forth with the carrier, and we keep you informed at each step. Our fee is set by written contract within the limits Florida law allows, and explained in full before you engage us.
Step by step
Most property policies include an appraisal clause — a built-in way to resolve a disagreement over the amount of loss without litigation. Here's what the process looks like from start to finish.
The carrier's settlement doesn't reflect the true cost to repair or replace the property — a low estimate, missing line items, a depreciation dispute, or a disagreement over scope.
Either party formally invokes the appraisal clause in writing, in the language the policy requires. Once invoked, both sides are obligated to participate in good faith.
You name your appraiser; the carrier names theirs. Each must be competent and impartial as the policy requires. Choosing someone fluent in construction cost and claim documentation matters here.
Each independently assesses the damage, builds a scope of loss, and arrives at a value — reviewing photos, contractor estimates, engineering reports, and other documentation.
The two appraisers narrow their differences and attempt to reach a mutual figure. Many files resolve at this stage with well-documented positions on both sides.
A neutral umpire reviews both positions and issues an award. Agreement between any two of the three — either appraiser and the umpire — is final and binding under the policy.
Once the binding award is reached, the carrier pays the agreed amount. Appraisal typically resolves in a fraction of the time litigation would take.
For Attorneys, Carriers & Adjusters
Omni Vista serves on appraisal panels in three capacities. The standard is the same in each: accurate scope, defensible methodology, and a technically sound result. Appraisal and umpire engagements are available nationwide.
We serve as the policyholder's named appraiser — building a thorough, well-documented scope of loss and advocating for a full and accurate valuation of the claim.
When two appraisers reach an impasse, we review both positions without bias and issue a fair, binding award. A construction background and Xactimate expertise support technically grounded decisions.
We also accept appointments as the carrier-side appraiser on select files. The methodology doesn't change: accurate scope, defensible numbers, a fair outcome regardless of which side names us.
Why it matters
Many policyholders don't realize they have options beyond accepting a low offer or filing suit. Appraisal is frequently the most efficient path to an accurate outcome.
A lawsuit can take years. Appraisal typically resolves in weeks to a few months, and avoids court entirely.
Appraisal fees are typically modest relative to the outcome, with no protracted legal proceeding.
The appraisal clause is written into most property policies. You invoke a right you already own.
Once an award is issued, the carrier is obligated to pay. There's no further negotiation.
Carriers retain experienced appraisers. A competent, well-documented appraiser on your side is what keeps the process balanced.
Appraisal is a policy mechanism — a structured process with a neutral decision-maker, not a court fight.
Who we are
Omni Vista was founded on a straightforward premise: policyholders deserve the same caliber of expertise on their side that insurance carriers put on theirs.
With a background spanning roofing, construction management, and property claims, principal Tyler Tayse has spent years inside the insurance process — understanding how estimates are built, where scope gets reduced, and what it takes to document and defend an accurate number all the way through.
That experience translates directly into outcomes. When we walk a roof or review a scope, we're drawing on genuine construction knowledge. Whether you're a homeowner navigating a first dispute or an attorney who needs a competent neutral on a file, we bring the same disciplined, documented approach to every engagement.
Common questions
A public adjuster represents the policyholder — not the insurer — on a property insurance claim. We document the full scope of the loss, prepare a defensible estimate, and handle the claim through to settlement. We work only for you.
Florida law caps public adjuster fees, and the fee is set by a written contract you sign before any work begins. We explain it in full up front — there are no surprises. Reach out for a free consultation to discuss your specific situation.
Most homeowner and commercial property policies include one, typically in the "Conditions" section, using language like "if you and we fail to agree on the amount of loss, either may demand an appraisal." We can help you locate it in your policy.
It varies by policy language and the complexity of the dispute. Straightforward files can resolve in roughly 30–60 days from when appraisal is invoked; more complex files with umpire involvement take longer. Either way, it's typically far faster than litigation.
No. Appraisal is a policy right, not a legal proceeding, and you don't need an attorney to invoke it. If your situation involves a coverage dispute rather than only the amount of loss, you may want to consult a coverage attorney separately — appraisal resolves value, not coverage.
A partial payment doesn't necessarily mean you've waived your rights. Depending on your policy, your state, and whether you signed a release, you may still have options. The window to act can be limited, so it's worth reviewing sooner rather than later.
Yes. We accept umpire appointments and carrier-side appraiser appointments in addition to representing policyholders. Appraisal and umpire engagements are available nationwide; public adjusting representation is offered in Florida.
Get started
Consultations are free. Reach out and we'll review your situation, walk you through your options, and tell you honestly whether a public adjuster or appraisal is the right path forward.