Want the most for your claim?
Our unwavering commitment is to tirelessly champion your cause, ensuring that you can channel your undivided attention towards your most pressing concerns and objectives. We firmly believe that you should never accept anything less than the full extent of what you are rightfully entitled to from your insurance company.
In a world where complex legal and insurance systems often seem overwhelming, we are here to serve as your dedicated advocates, navigating the intricacies of the process on your behalf. We understand that the language of insurance policies can be dense and confusing, and the claims process can be riddled with challenges. Our mission is to be your trusted partner, simplifying these complexities and advocating fiercely to secure the compensation and support you deserve.

Want the most for your claim?
Our unwavering commitment is to tirelessly champion your cause, ensuring that you can channel your undivided attention towards your most pressing concerns and objectives. We firmly believe that you should never accept anything less than the full extent of what you are rightfully entitled to from your insurance company.
In a world where complex legal and insurance systems often seem overwhelming, we are here to serve as your dedicated advocates, navigating the intricacies of the process on your behalf. We understand that the language of insurance policies can be dense and confusing, and the claims process can be riddled with challenges. Our mission is to be your trusted partner, simplifying these complexities and advocating fiercely to secure the compensation and support you deserve.




RK&M Claims Consulting Inc.
Our services extend to fire, flood, weather-related incidents, plumbing issues, and more. We encourage you to reach out to us promptly, so we may assist you in securing the compensation you rightfully deserve. As a local agency serving Cape Coral and the surrounding areas, we understand the unique challenges our community faces. Whether you’re a homeowner, business owner, or contractor, we customize our services to meet your specific needs. It is our purpose to negotiate with your insurance company for a higher and more appropriate payout!
EXPERT INSURANCE ADJUSTERS IN CAPE CORAL, FLORIDA
Navigate Insurance Claims with Confidence
At RK&M Claims Consulting, our team of skilled Public Adjusters specializes in connecting homeowners with their insurance providers. We are committed advocates, passionately fighting for your claims. Our unique selling point is our unwavering dedication: ‘Our success hinges solely on YOUR success.’ There are no hidden agendas or complex clauses – just a genuinely FREE assessment of your home damage, no obligations attached.

Wind Damage
It's important to understand what is covered - and what isn't - due to a roof leak.

Fire Damage
When you've lost everything in a fire, the last thing you want to worry about is battling your insurance.

Water Damage
Call us after water damage for advice on what to do before making a claim.

Denied Claims
Offered Less Than needed to repair damage or Deemed Under Deductible.

ESTIMATE'S & APPRAISAL'S
How Do Estimates and Appraisals Work?
Home and business owners often find themselves at odds with their insurance companies when it comes to assessing the extent of damages and repair costs after a loss. When negotiations with the insurance company reach an impasse, you have the option to demand appraisal. This provision, typically found in insurance policies under “Conditions” or “What to do after a loss: allows you to enlist two impartial, third-party appraisers to evaluate the damages and settlement amount. If you’re unsure about invoking this clause, our specialists can assist you. By exercising your right to appraisal, you can reach a fair resolution when agreement with the insurance company seems elusive. Your appointed appraiser will guide you through the process and keep you informed every step of the way.
Our Clients Speak for Themselves.
EXCELLENT Based on 43 reviews Posted on Google cory stumpTrustindex verifies that the original source of the review is Google. Awesome group of people who have your backPosted on Google John DeeTrustindex verifies that the original source of the review is Google. Back in November of 2024 my insurance company sent out an adjuster to look at my roof damage from Hurricane Milton. After he submitted his report the insurance company told me that I had approximately $1600 worth of damage and my deductible for hurricane was $9800 so there was no money from the insurance company. My roofer gave me Richard Redd's phone number from RKM consulting firm to contact. Richard called me back and went to work contacting my insurance company. Final settlement was $40,000 after the deductible. I could not be happier with Richard and his company. I am getting a new roof.Posted on Google Joni ReaganTrustindex verifies that the original source of the review is Google. Richard and Kristen were both very helpful in getting our hurricane claim resolved. They were very responsive and know their stuff and all the little details that will make a difference in the ultimate claim payout amount. Well worth the money!!Posted on Google ADVANTURE HUNTER TVTrustindex verifies that the original source of the review is Google. "RK&M Claims Consulting Inc. is the real deal! They advocated for me as a homeowner when my insurance company initially denied my claim and tried to underpay. They were incredibly fast in getting me the compensation I deserved—far above the original quote from my insurance company. If you need someone to fight for your rights and get you the money you're owed, RK&M Claims Consulting is the team to call. Highly recommend!"Posted on Google David MineoTrustindex verifies that the original source of the review is Google. I can't say enough GREAT things about RK&M Claims Consulting Inc! Especially, Kristin. She was and is an ACE… After Hurricane Ian, our insurance company tried to low-ball us with an offer that barely covered a fraction of the damage. We felt completely overwhelmed and defeated. Thankfully, we found RK&M Claims Consulting, and they turned everything around for us. Kristin, our agent, was absolutely amazing. From the moment she took on our case, she was a tireless advocate for us, fighting tooth and nail to make sure we received the compensation we were entitled to. The team at RK&M was incredibly professional, knowledgeable, and always had our best interests at heart. They even came to our home to help finalized everything in person. They took the stress out of the entire process and navigated the complex insurance landscape with ease. Almost two years after the storm, we finally have the most of the funds we need to repair our home properly, all thanks to Kristin and the RK&M team. If you're facing a similar situation, don't hesitate to reach out to them. They are regular people. They know struggle. They know our struggle. That actually HELPED. Their dedication to their clients is unmatched, and they truly deliver on their promise to fight for you and the home you built for yourself. In a landscape with fast talkers and people/companies out there that just want their 10% with little real expectational success. Kristin and company didn’t do that. Save yourself from the amount of the stress this process can be on your family… Thank you, RK&M, for your incredible support! And thank you Kristin… - David-Angelo MineoPosted on Google Adam WelshTrustindex verifies that the original source of the review is Google. RK&M Claims Consulting were great. They are very kind and easy to speak with. They have only your best interests in mind. They did for me exactly what they said they would. I wouldn't use any other consulting company.Posted on Google Salvatore MineoTrustindex verifies that the original source of the review is Google. This is the company to contact if you have a major hurricane or a significant homeowners claim. My only regret is that I did not contact them initially. Having worked as an insurance agent in the past, I thought I could depend on the system and communicate directly with the insurance carrier. However, I was consistently undervalued and had to constantly correct their misinformation about the property, the damage, and start the process all over again because of frequent changes in claims handlers, which led to sloppiness and communication issues. I finally got fed up, went to a friend who referred me to R&K. Kristen and Richard at R&K did a great job in putting some fire back into my claim from Hurricane Ian and essentially documenting and guiding my claim to a 60% increase. Yes, depending on your situation it can be a long process, but this was the best way for us to fight back and also move on. Thank you R&KPosted on Google John MillsTrustindex verifies that the original source of the review is Google. Great experience working with this company. They were on top of everything with my insurance company and got me more than they offered to get my roof done. Highly recommend.Posted on Google richard pappalardoTrustindex verifies that the original source of the review is Google. Top notch organization. They handle everything from A to Z. It does not happen overnight, but if you are willing to let things play out, you will be a happy camper. A+ experience.Posted on Google Mike BartolomucciTrustindex verifies that the original source of the review is Google. After the storm I filed a claim with my insurance company and they stated my damage wasn’t related to hurricane Ian. I was referred to RK&M through a friend of mine and thought it couldn’t hurt to let them try. I am so thankful that I did. Not only did they handle the entire claim process for me, but they recovered enough money for me to get all of the damage fixed. Best decision ever.





Recover Lost Business Revenue
When unforeseen events, like a damaged roof, disrupt your business, it's crucial to seek compensation for your losses. We specialize in assisting businesses like yours to navigate insurance claims and recover the revenue you deserve. Discover how our expertise can get your business back on track.
Loss of Business
Expert Team
Financial Compensation
Trustworthy Partners
Expert Claims Adjuster
Trusted Results
Our unwavering commitment to excellence ensures that you can always rely on us for dependable, top-notch outcomes you can trust.
Quick to Respond
Your time is valuable, and so is our dedication to prompt, efficient service that won’t keep you waiting.
Easy Communications
We make it effortless for you to stay in the loop and connect with us, ensuring smooth and hassle-free interactions every step of the way.
We Get Paid Only if You do
Rest easy knowing that our success is tied to yours, aligning our interests to maximize your financial benefits.
Experienced Public Adjuster
Benefit from the seasoned expertise of our highly experienced public adjusters, who bring years of knowledge to your unique situation.
Easy & Fast Results
Our team of public adjusters will expedite the handling of your case while ensuring maximum convenience for you.
Our Work Process
Contact Us
Starting the process is simple. Just reach out to us via phone or complete a form to arrange an appointment for evaluating your property damages and reviewing your policy coverage.
Negotiate
This is the point at which the insurance company dispatches their in-house adjuster to draft an estimate on their behalf. This marks the commencement of negotiations, and we handle this entire process on your behalf.
Evaluation & Filing
We schedule a property assessment at your convenience, ensuring it aligns with your preferred date. Subsequently, we initiate the claims process with your insurance company, submitting the necessary forms and our damage estimate.
Settlement
A fair allocation agreement will be established, typically resulting in the insurance company sending a check by mail to both you and your Public Adjuster (PA) to cover your damages and expenses.

