Florida Licensed Public Adjusters • Policyholder Representation • Live Person Answers 24/7
About Experienced Public Adjusters
Experienced Public Adjusters, LLC is a Florida-licensed public adjusting firm representing policyholders in residential, luxury, condominium, commercial, and high-value property insurance claims. We help homeowners and business owners with new, delayed, underpaid, and denied claims.
Insurance companies have adjusters, consultants, estimators, and claim teams protecting carrier interests. Our role is to level the playing field for the insured through damage documentation, policy review, repair-scope analysis, estimate preparation, and claim negotiation.
Experience across residential, commercial, luxury, and complex property losses
Claim results for Florida policyholders across major property losses
We do not represent insurance companies
Who We Are
Experienced Public Adjusters was founded through the leadership of David Dwyer, a licensed Florida Public Adjuster, with a focus on educating policyholders and providing professional representation after property damage. Our firm helps clients understand the claim process, document damage correctly, and pursue the benefits owed under their policy.
We work with homeowners, condominium owners, business owners, commercial property owners, luxury property owners, and high-value policyholders throughout Florida. Our team brings experience in inspection, estimating, valuation, claim presentation, and negotiation.
Learn more about David Dwyer, CEO and Founder of Experienced Public Adjusters.
Florida Licensing and Firm Structure
Florida law requires public adjusting services to operate under proper licensure, supervision, and compliance. Experienced Public Adjusters maintains the required Florida firm license and works under licensed public adjusting supervision.
Experienced Public Adjusters, LLC
Florida Licensed Public Adjusting Firm
Firm License #W807213
Designated Primary Adjuster
David Dwyer, Licensed Florida Public Adjuster
License #W391016
Public adjusting services require knowledge of damage documentation, claim handling, policy terms, repair scope, estimate preparation, and Florida insurance claim procedures. Our firm’s structure is designed to support ethical, licensed, and professional policyholder representation.
What a Florida Public Adjuster Does
A public adjuster represents the insured, not the insurance company. Our responsibilities can include inspecting property damage, reviewing policy coverage, preparing repair estimates, documenting the claim, communicating with the carrier, negotiating underpayments, and helping the policyholder understand the claim process.
- Property damage inspections and documentation
- Insurance policy and coverage review
- Repair scope and estimate preparation
- Building code, ordinance, and repair-sequencing review
- Claim presentation, negotiation, and settlement support
- Appraisal and mediation support when appropriate under the policy
- New, delayed, underpaid, and denied claim review
For a plain-language explanation, visit our page explaining what a public adjuster does.
Property Insurance Claims We Handle
Experienced Public Adjusters helps Florida policyholders with many types of property insurance claims. Each claim is reviewed based on the damage facts, policy language, estimate, claim communications, and supporting documentation.
Plumbing leaks, hidden moisture, flooring, cabinets, drywall, roof leaks, and interior damage
Roof Damage Claims
Tile, shingle, metal, flat roof, storm damage, leaks, repair vs. replacement, and missing scope
Hurricane Damage Claims
Wind, storm damage, roof damage, water intrusion, coastal properties, and large repair scopes
Fire and Smoke Claims
Fire damage, smoke, soot, odor, contents, emergency services, and rebuild disputes
Mold Damage Claims
Mold, moisture, remediation, testing, coverage limits, and rebuild issues
Commercial Insurance Claims
Commercial buildings, tenant improvements, business property, large losses, and complex claims
Luxury, High-Value, and Premium Carrier Claims
High-value property claims often require a more detailed approach. Custom homes, waterfront properties, premium finishes, specialty trades, high-limit policies, and private-client carriers can create complex disputes if the repair scope is incomplete or undervalued.
Custom homes, designer finishes, high-value repairs, specialty materials, and complex property losses
Chubb Masterpiece Claims
Chubb Masterpiece, high-value homes, luxury materials, and complex claim representation
PURE Insurance Claims
PURE Insurance, high-value homes, custom repairs, private-client claims, and underpayments
AIG Private Client Claims
AIG Private Client, Private Client Select, luxury property, and complex claim help
Lloyd’s Insurance Claims
Lloyd’s of London, specialty property, coastal risk, surplus lines, and complex claim disputes
USAA Property Damage Claims
USAA homeowners, military families, veterans, water, roof, storm, fire, and mold claims
Why Policyholders Choose Experienced Public Adjusters
- Florida-licensed public adjusting firm
- Policyholder-only representation
- More than 3,000 claims handled
- Over $50 million recovered for policyholders
- Experience with residential, commercial, luxury, and large-loss claims
- Claim review for new, delayed, underpaid, and denied claims
- Live person answers 24/7
Our focus is accuracy, professionalism, communication, documentation, and claim advocacy so policyholders can make informed decisions throughout the claim process.
Florida Service Areas
Experienced Public Adjusters serves homeowners, condominium owners, business owners, commercial property owners, and high-value property owners throughout Florida, with offices and service areas focused on Orlando, Naples, Tampa, Daytona Beach, and surrounding communities.
Naples Public Adjuster
Tampa Public Adjuster
Daytona Beach Public Adjuster
Bonita Springs Public Adjuster
Marco Island Public Adjuster
Our headquarters is located at 4555 Hoffner Ave, Orlando, FL 32812. Our Naples office is located at 3606 Enterprise Ave, Suite 211, Naples, FL 34104.
Free Claim Review
If your Florida property insurance claim is new, delayed, underpaid, or denied, call Experienced Public Adjusters before accepting a low settlement. We represent policyholders, not insurance companies.