Licensed Florida Public Adjusters

Property insurance claims are won or lost on documentation. Our public adjusting team reviews the policy, inspects the damage, identifies missing repair scope, organizes photos and reports, reviews carrier estimates, and helps present the claim properly before the insurance company controls the repair method, pricing, and valuation.

Experienced Public Adjusters helps with water damage claims, roof damage claims, fire and smoke damage claims, hurricane damage claims, mold damage claims, commercial insurance claims, and luxury property insurance claims.

Leadership and Adjusting Team

David Dwyer Founder, CEO & Licensed Florida Public Adjuster

Florida Public Adjuster License W391016

David Dwyer founded Experienced Public Adjusters to help Florida policyholders recover properly after property damage. David leads the firm’s luxury home, high-value, commercial, condominium, and complex claim strategy.

David focuses on new, delayed, underpaid, and denied claims involving serious property damage, disputed repair scope, premium finishes, private client carriers, and large-loss claim valuation.

Read more about David Dwyer

Staci Polites Licensed Florida Public Adjuster

Florida Public Adjuster License D011514

Staci Polites works with Experienced Public Adjusters as a Central Florida public adjuster, helping policyholders with residential, commercial, condominium, and high-value property insurance claims.

Staci’s primary markets include Orlando, Tampa, Daytona Beach, Winter Springs, Lake Mary, Oviedo, Sanford, Deltona, Melbourne, and surrounding Central Florida communities.

Read more about Staci Polites

What Our Adjusting Team Does

Claim Types Our Team Handles

• New property insurance claims after water, wind, fire, hurricane, roof, mold, smoke, or storm damage
• Delayed claims where the insurance company has not moved the claim forward properly
• Underpaid claims where the insurance company estimate may not reflect the full damage
• Denied claims where coverage was refused and the claim needs a detailed review
• Luxury and high-value claims involving custom finishes, premium materials, private client policies, and complex estimating
• Commercial and condominium claims involving buildings, business property, common areas, and association coverage issues

Premium Carrier and High-Value Property Claim Experience

Experienced Public Adjusters helps Florida policyholders with premium carrier and private client property claims. These claims often involve luxury homes, waterfront estates, custom construction, specialty materials, fine finishes, contents, code issues, repair sequencing, and complex valuation disputes.

Florida Markets We Serve

Experienced Public Adjusters serves policyholders throughout Florida, with a strong focus on Orlando, Central Florida, Naples, Southwest Florida, Tampa Bay, Daytona Beach, Volusia County, Brevard County, and the Space Coast.

• Orlando Public Adjuster
• Naples Public Adjuster
• Tampa Public Adjuster
• Daytona Beach Public Adjuster
• Winter Park Public Adjuster
• Lake Mary Public Adjuster
• Winter Springs Public Adjuster
• Bonita Springs Public Adjuster
• Marco Island Public Adjuster

Negotiation First, Appraisal Only When Appropriate

We do not treat appraisal as a separate claim type. Appraisal is a policy clause that may be available in some cases after the adjusting process has been performed and reasonable negotiations have been exhausted, depending on the policy language and facts of the claim.

Before appraisal is considered, the claim should be documented properly, repair estimates should be supported, the carrier position should be reviewed, and negotiation should be attempted.