By David Dwyer, Owner – Experienced Public Adjusters
As we sail past the height of the 2025 Atlantic hurricane season, the storm threats continue—and so do the risks to property owners. At Experienced Public Adjusters, we track not only the storms but also the claim trends that impact your home, business, and recovery.
Storm Season in Review
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Tropical Storm Chantal made landfall in South Carolina in July, causing flooding and roof damage across the Southeast.
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Hurricane Erin rapidly intensified into a Category 5. While it skirted the U.S. coastline, wind-driven rain and significant surf underscores a growing trend of sudden, powerful storms.
What’s Still Brewing: Storm Forecasts
Forecasters continue to call for an active remainder of the season:
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NOAA predicts 13–18 named storms, 5–9 hurricanes, and 2–5 major hurricanes.
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Colorado State University (CSU) echoes this, forecasting up to 16 named storms and nearly four major hurricanes.
(Both signal a higher-than-average risk.)
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What This Means for Your Claim
Storms like Erin have revealed critical pitfalls in claims processing:
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Cabinets installed over subfloors—a common issue—often require removal and replacement not included in initial estimates.
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Underpayment of matching cabinets, exclusion of mandated mitigation measures, and delayed adjustment of mold scopes are frequent mistakes we correct.
How Experienced Public Adjusters Can Protect You
We provide:
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Full claim reviews and documentation
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Enforcement of Florida law (including the Matching Statute, F.S. § 626.9744)
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Coordination with mold and engineering experts for accurate scope validation
Our motto: “We Care, We Fight, We Win.”
What You Should Do Now
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Review your policy before a storm hits.
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Document damage immediately.
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If you’ve suffered storm damage, call (888) 881‑8416 to schedule a free inspection and claim review.
Final Thoughts
Hurricane season isn’t over—and as storms intensify, the stakes get higher. If your property is damaged, experience matters. Don’t take a guess—let us help make sure you get the full recovery you deserve.
—David Dwyer
Owner, Experienced Public Adjusters
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