Homeowners & renters coverage
Review how your policy treats personal belongings away from home, in transit, or in temporary storage. The cause of loss, location, limits, and deductible all matter.
For your home, your business, and what matters
Your belongings moved.
The damage came too.
Unpacking should be a fresh start. When a move ends with lost or damaged property, Julio Ortega helps you understand and document a claim under your own insurance coverage.
Julio C. Ortega · Active Claim Adjusters LLC
The policy. The evidence.
Your interests.
Your interests.
✓Home & business moves✓Your insurance claim✓Florida public adjuster
An introduction from Julio
Meet the person
on your side.
Julio Ortega introduces a practical approach to documenting moving losses and presenting a claim under the policyholder’s insurance.
Start a conversation ↗The claim, considered carefully
A move is complicated.
Your next step can be clear.
Start with what happened and the coverage you had—not an assumption that every type of damage is covered. Julio helps connect the records to the right insurance questions.
Insurance purchased for the move
Keep the full insurance policy and endorsements, plus any certificate, item schedule, declared values, and purchase records. Separate moving insurance can have its own claims requirements.
Business property relocation
Document affected furniture, equipment, and inventory, along with ownership and condition. Commercial property or transit coverage needs its own policy review.
Moving-company valuation protection and an insurance policy are different products. Keep both sets of documents so the coverage you purchased can be identified accurately. Ordinary breakage is not automatically covered by homeowners insurance.
A useful place to begin
Before the boxes
disappear.
A few organized records can make a complicated loss easier to explain. Photograph damage and packaging, keep the paperwork, and make an item-by-item inventory.
Download the checklist- 01The move record
Pickup and delivery dates, addresses, inventory lists, packing records, and photographs from before and after the move.
- 02The damaged or missing items
Descriptions, quantities, purchase dates, receipts, model or serial numbers, and available pre-loss photos.
- 03The insurance documents
Homeowners, renters, commercial, or separately purchased moving insurance, including endorsements and item schedules.
- 04The claim file
Insurer correspondence, claim number, repair findings, replacement information, and receipts for necessary protective expenses.
How it works
From uncertainty
to a supported claim.
Get organized, understand the coverage questions, and present the loss clearly to the insurer.
Tell the story of the move
Discuss the property, timeline, discovered damage, and claim status.
Connect items to evidence
Build a clear inventory with ownership, condition, and repair or replacement support.
Work through the claim
Present the supported claim and communicate with the insurer under the agreed representation.
Your public adjuster
Julio C. Ortega.
Representation for the policyholder.
A public adjuster works for the insured in the property insurance claim process. Julio helps organize the evidence, prepare and present the claim, and communicate with the insurer on your behalf.
Julio helps insured people and businesses document property losses and navigate their insurance claims. For a moving loss, the first step is identifying the policy, the insured property, and the facts that need support.
Julio Cesar Ortega · Florida license E157479
Active Claim Adjusters LLC · Firm license W920282
View Florida license record ↗Active Claim Adjusters LLC · Firm license W920282
Questions, answered
Know your
next step.
Practical answers before the first conversation.
Will my homeowners policy pay for damage during a move?
It depends on the policy and the cause of loss. Some coverage may follow belongings away from home, but off-premises limits, deductibles, and exclusions can apply. Accidental packing or handling breakage is not automatically covered.
Is the protection on my moving paperwork an insurance policy?
Not always. Valuation protection and separately purchased insurance are different. Keep the contract and any insurance certificate or policy so the insurer, coverage, and claim process can be identified.
Can I ask about a business move?
Yes. You can discuss damaged furniture, business equipment, or inventory and the insurance purchased for those items. Commercial property and transit policies have their own insured-property definitions, limits, and conditions.
What should I do when I notice damage?
Photograph the item and packaging, make a factual itemized list, preserve available records, and notify the relevant insurer promptly. Follow the policy’s duties and deadlines; do not discard evidence before discussing inspection when practical.
What if I already received an offer or denial?
Bring the insurer’s explanation, policy, inventory, and supporting records. Julio can discuss whether representation is appropriate. Deadlines, releases, and evidence may affect the available options.
What are the fees?
The scope of work and fee are explained in a written agreement before representation begins. Start with a conversation about the loss and whether the service fits the claim.
Start the conversation
Make room for
a clearer next step.
Tell Julio what was moved, what went wrong, and which insurance you had. A conversation is the starting point.
Call Julio(786) 547-6751 ↗Email Julioactiveadjusters@gmail.com ↗
Active Claim Adjusters LLC
Julio Cesar Ortega · Florida Public Adjuster
Start with a brief description. Please keep policy numbers, identification, and sensitive claim documents out of the first email. Arrange document sharing directly with Julio.