Experienced Public Adjusters™ (888) 881-8416

Get a free, no-obligation review of your insurance claim by a licensed Florida Public Adjuster.

Experienced Public Adjusters represents Florida policyholders — not insurance companies. We advocate exclusively for homeowners, business owners, and property managers to ensure insurance claims are fully documented, properly valued, and paid according to the policy and Florida law.

We specialize in complex, high-value residential and commercial insurance claims, including properties insured by Chubb, USAA, Pure and other premium carriers, where accuracy, documentation, and negotiation experience directly impact the final settlement.

If your insurer is delaying, underpaying, or denying your claim, we step in to protect your rights and your financial outcome.

What We Do

We manage the insurance claim process from start to finish, leveling the playing field between you and the insurance company.

Our role is to prepare, present, and negotiate your claim with precision, leverage, and accountability, so nothing is missed and every covered dollar is pursued.

Our services include:

• Interpreting insurance policy language and coverage

• Conducting on-site inspections and identifying visible and hidden damage

• Preparing detailed estimates, inventories, and documentation

• Coordinating engineers, specialists, and experts when required

• Managing carrier communications, inspections, and negotiations

• Pursuing supplements, disputes, appraisal, or escalation when necessary

Claim Types We Handle

We represent policyholders with all types of insured property damage claims, including but not limited to:

Primary focus areas

• Water Damage Insurance Claims — plumbing leaks, slab leaks, supply line failures, overflows, hidden moisture

• Wind Damage Insurance Claims — wind-driven rain, roof damage, missing materials, storm impact

• Fire & Smoke Damage Insurance Claims — fire loss, smoke intrusion, secondary water damage, remediation issues

Additional covered losses

• Roof claims requiring full replacement due to code or policy requirements

• Hurricane, hail, and severe weather events

• Mold and moisture-related damage

• Falling objects and accidental damage

• High-value residential and commercial property losses

If damage is covered under your policy, we pursue every dollar you are entitled to — not quick settlements.

High-Value & High-Net-Worth Claim Experience

Luxury homes, custom construction, and high-limit policies require a different level of documentation and negotiation.

Our team has experience handling high-value insurance claims involving:

• Complex construction and materials

• Custom finishes and specialty components

• Detailed policy endorsements and exclusions

• Premium carriers such as Chubb Masterpiece, USAA, and similar insurers

These claims demand accuracy — and that’s where we excel.

Local Advantage

Operating within our defined Florida service region gives our clients a measurable advantage:

• Accurate local pricing and scope knowledge

• Familiarity with Florida building codes and permit requirements

• On-site representation for carrier inspections

• Experience negotiating with Florida insurers operating in this market

• Rapid response following storms and severe weather events

Our Process & Promise

1. Free claim review and on-site inspection

2. Complete documentation — photos, measurements, moisture readings, inventories, and estimates

3. Negotiation and escalation — supplements, disputes, appraisal, or mediation when required

4. Contingency-based representation — we only get paid if you get paid

Insurance companies are profit-driven.
Your Experienced Public Adjuster is your fiduciary advocate.

We fight for full, proper payment so your property can be repaired or rebuilt correctly — and in compliance with code.