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About Todd Claim Service

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Todd Claim Service, Inc. is an independent All Lines Claim Adjuster and Inspection Firm that was founded in 1962 by William D. Todd in Fort Walton Beach, Florida.  Serving the Northwest Gulf Coast Region of Florida from Tallahassee through Pensacola and all cities and towns in between.  The firm has been a continuous family run operation for the last 55 years. Currently it is being managed by William’s sons W. Scott Todd and Charles Todd with the aid of their longtime Office Manager Karen Goudelock and General Claim Adjuster Ted Abbott. Combined we bring 181 years of experience to every claim and Inspection we perform. We proudly service Destin, Fort Walton Beach, NavarreNiceville, Crestview and beyond.

Our adjusters leverage and utilize the latest technologies to speed up the claims process for each of our clients.  All our staff are certified and proficient in Xactimate and Symbility to help maximize efficiency and improve claim performance.  From home and auto to mediation and general liabilities claims, we can do it all.  Let us show you the Todd Claim Service Advantage.

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Natural Disasters

Natural Disasters

With over 55 years of experience as independent claims adjusters, we have handled many catastrophe claims. Our adjusters combined 181 years’ experience have handled every type of natural disaster including:

  • Hurricanes
  • Tornadoes
  • Wind Storms
  • Hail and Ice Storms
  • Floods
  • Construction Vibration Damage
  • Termite Damage

Our adjusters understand the distress that your customer is under after a catastrophic event occurs. We will handle each claimant individually and guide them through the coverage and claim process so they have the peace of mind that their needs are being met and they are being well served by their Insurance Carrier. We will even help guide them with relocation needs as necessary.

Our Mission Statement

Since 1962, Todd Claim Service, Inc. has been doing business as independent adjusters and investigators in the Northwest Florida region and is owned and operated by W. Scott Todd as a family business.

Our firm is comprised of four full-time all-lines insurance claim adjusters, as well as a trained and qualified administrative support staff.

It is the philosophy of Todd Claim Service that by determining and fulfilling the specific needs of each client company, we gain their respect, trust and naturally, their continued business. We believe in growth and prosperity through partnership.

We are pragmatic adjusters and conduct all of our business activities with the utmost integrity and professionalism which we feel is obvious to those insureds and claimants with whom we work on a daily basis.

The difference between one firm and another is that intangible quality known as professionalism.

It is our goal to represent our client companies in just such a fashion. We also understand that by meeting all the requirements of each assignment and reporting with expediency, this allows the company examiner to meet their own guidelines and deadlines with respect to negotiations and maintaining appropriate reserves.

We would like to thank you for allowing us to present this information to you and invite you to call our office whenever the need arises in the North Florida area, including Destin, Fort Walton Beach, NavarreNiceville, Crestview and surrounding areas.

Fire Damage

TCS understands the importance of adequate photo documentation of the fire damage, contents, and determining the origin of loss in each claim. Our firm has the resources to conduct a full course of origin study if needed. We will do whatever it takes to make sure that we have fully inspected and assessed each claim correctly the first time.

We utilize the latest technology to conduct each claim. We will complete the claim using Xactimate or Symbility depending on your agencies preference. Todd Claim Service has both residential and commercial adjusters on staff to serve your needs.

We know how hard fire and smoke damage can be on your customer during this type of loss. We will address the importance of the Homeowners needs, by: documenting the file for advance against fire claim, help the insured with relocation, help the homeowner get back on their feet, and handle each claim in an expedient manner. Our attention to detail during this process will greatly aid in customer satisfaction and ultimately customer retention.


Attention Insurance Agencies!

We are here to help! Let us introduce you to our claims service!

Fill out the contact form below and we will introduce ourselves as soon as possible.