Experienced Public Adjusters · Luxury homes & complex claims

Behind the claim.

Careful claim work starts with people, documentation and attention to the actual property. These selected photographs come from our existing website archive.

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Gallery reviewed November 3, 2026. Historical images illustrate people and property details; they do not establish the cause, coverage or outcome of another claim.

Personal attention to the property

David Dwyer reviewing information with people outside a home — David Dwyer at a property in a photograph previously published by the firm.

Luxury homes and complex losses can require detailed records of materials, repair access and the relationship between building systems. Meet David Dwyer and our team, or read about luxury residential claim services.

Details worth documenting

When safe, record both the wider area and the specific condition. A close-up becomes more useful when it is tied to the room, location, date and the professional findings for the property.

Close-up of a deteriorated cabinet base beside tile flooring — Cabinet materials and nearby finishes should be identified before developing a supported repair scope.

Exposed wall corner with damaged adjacent materials — An exposed wall corner shows why the visible surface alone may not describe all affected materials. Qualified professionals should guide necessary investigation and safety precautions.

Handheld meter used beside a wall and floor — A meter reading belongs in a documented assessment with the material, location and method. A photograph of a reading alone does not establish the cause, duration or complete extent of damage.

Turn the evidence into an organized claim record

Keep photographs with the policy, inspection reports, mitigation records, estimates and insurer correspondence. Do not open unsafe assemblies or delay emergency protection to collect pictures. Our water-damage guide explains the evidence to organize, and our claim review page explains the next step.

We focus on luxury residential and complex property claims in Florida, including condominium and HOA master policies and commercial losses. All property owners are welcome to call; a photograph is a starting point for a conversation, not a coverage determination.

Start with a clear next step.

Tell us where the property is, what happened and where the claim stands. Luxury homes and complex losses are our focus; all property owners are welcome to ask whether we can help.

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Do not delay emergency assistance, reasonable mitigation or required notice while awaiting a consultation. Public adjusting representation requires a separate written agreement describing services and fees.

David Dwyer, designated primary adjuster: Florida license W391016. Experienced Public Adjusters, LLC: firm license W807213. We are not a law firm and do not guarantee coverage or a settlement result.