ExperiencedPublic Adjusters
Florida public adjusters · Luxury homes
Your home is exceptional.
Your claim deserves expert attention.
Water, fire or storm damage? Get experienced representation for the details that matter to your home and your insurance claim.
A real person answers 24/7, including holidays.
handled
policyholders
Claims and recovery totals reported by the firm, November 2026. Past results do not guarantee a future outcome. View our current rating on BBB.
The details make the difference
A custom home needs
a carefully documented claim.
Natural stone. Custom cabinetry. Specialty finishes. Integrated systems. The details that make your home distinctive also matter when documenting a loss.
From extensive water damage to a complex fire or storm loss, we bring photographs, repair estimates, inventories and carrier communications together to present a clearer picture of your claim.
Have a Chubb, PURE or other private-client policy? Explore our luxury home insurance carrier resources. Whatever your insurer or property value, you are welcome to call.
When damage interrupts your life
Start with the right support.
Beyond the
visible damage.
Leaks, damaged finishes and concealed moisture can create a complicated repair scope. We help document the loss.
A clearer picture
of the loss.
From the building to personal property, smoke and restoration work, detailed records help show what was affected.
Every part of
the storm claim.
Roof, exterior and interior damage need coordinated documentation and careful attention to the repair estimate.
Coverage and settlement depend on the policy and the facts of the loss. A claim review does not guarantee coverage or a particular result.
Personal. Accountable. Experienced.
Know who is
representing you.
Founder David Dwyer leads a firm focused on residential property claims, with particular attention to luxury homes and complex losses.
We represent policyholders through the adjustment process—from organizing the evidence to presenting the claim and addressing differences in scope and valuation.
David Dwyer · Florida Public Adjuster W391016
Experienced Public Adjusters, LLC · Firm W807213
Your next step, made clear
A conversation comes first.
Review your situation.
Share the property location, damage and current claim status. New, delayed, underpaid and denied claims are welcome for review.
Document the details.
If we agree to represent you, we assess the loss and organize estimates, photographs, inventories and supporting information.
Move forward with support.
We handle adjustment communications and address differences in scope and valuation with the insurance company.
Association or commercial loss?
We also handle condominium and HOA master-policy claims and commercial property claims.
Find the help you need
A clearer next step for your claim.
New damage
Start with the records you have.
Our call-preparation checklist helps organize your policy, photographs and correspondence. No uploads or personal information required.
Estimate or payment
Look beyond a single total.
Explore the custom materials, repair details and supporting records that help explain differences in a luxury-property estimate.
Delay or denial
Bring the insurer’s written position.
Read our guide to denied claims and bring the decision letter and claim correspondence to a free initial review.
You do not need to complete a guide before calling. A real person answers 24/7, including holidays. Continue required notice and necessary safety measures while arranging a review.
Before you call
A few helpful answers.
Can you help if I already filed a claim?
Yes. We review new, delayed, underpaid and denied property claims. Have your policy, carrier correspondence and estimates available so we can discuss your circumstances.
Do you only represent luxury homeowners?
No. Residential claims are our primary work, with a focus on luxury homes and complex losses. We also help other homeowners, condominium and HOA associations, and commercial property owners.
Does your service area include my property?
Our public adjusting licenses allow us to serve property owners throughout Florida. We focus on luxury residential and complex claims within approximately two hours’ driving time of our offices, especially around Orlando, Daytona Beach and Naples. Tampa Bay remains a core service area. Call to confirm arrangements for your property.
What should I have ready?
Your property location, a description and date of the damage, policy, claim number if one exists, photographs and any carrier estimate or decision. Do not delay necessary safety measures while gathering documents.
A more informed claim
starts with a conversation.
Tell us what happened. We’ll help you understand the next step. A real person answers your call 24/7, including holidays.
Call (888) 881-8416 ↗Prefer to write? Send a short inquiry →