Experienced Public Adjusters • Florida Public Adjusting Team • Live Person Answers 24/7
Adjusting Team & Staff
Experienced Public Adjusters is a Florida-licensed public adjusting firm representing policyholders, not insurance companies. Our team helps homeowners, condominium owners, business owners, property managers, and high-value property owners with new, delayed, underpaid, lowballed, disputed, and denied property insurance claims throughout Florida.
Our adjusting team is led David Dwyer, Founder and CEO, with licensed adjusting support from Staci Polites, Florida Public Adjuster. Together, the team focuses on claim documentation, policy review, repair scope, estimate support, carrier communication, negotiation, and complex property damage claim strategy.
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Firm License W807213
Property claims handled
For Florida policyholders
We do not work for insurers
Licensed Florida Public Adjusters
Property insurance claims are won or lost on documentation. Our 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.
We help 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 and CEO
Florida Licensed Public Adjuster • License W391016
David Dwyer founded Experienced Public Adjusters to help Florida policyholders recover properly after property damage. David leads the firm’s high-value claim strategy, complex claim review process, and luxury property claim work involving large losses, custom homes, commercial properties, and private client carriers.
David’s background in business, financial analysis, executive leadership, negotiation, and claim strategy helps policyholders challenge low estimates, incomplete scopes, disputed repair methods, and underpaid insurance claims.
Staci Polites, Florida Public Adjuster
Florida Licensed Public Adjuster • License D011514
Staci Polites is a licensed Florida Public Adjuster and the owner of Polites Public Adjusting, LLC. She partners with Experienced Public Adjusters, LLC to help Florida policyholders navigate property insurance claims and pursue fair, fully documented settlements after a covered loss.
Staci brings more than 25 years of professional business experience working directly with the public, building trust, communicating clearly, and developing practical claim strategies for property owners after a loss.
Her primary markets include Orlando, Orange County, Winter Springs, Seminole County, Brevard County, Melbourne, Palm Bay, Cocoa, Merritt Island, and the Space Coast.
What Our Adjusting Team Does
Claim Evaluation and Strategy
We review claim facts, policy language, carrier estimates, photos, reports, and repair issues to develop a strategy for documenting the full covered loss.
Damage Documentation
We organize photos, estimates, mitigation records, contractor support, expert reports, and repair-scope documentation.
Scope and Value Advocacy
We identify missing scope, low pricing, omitted materials, repair-sequence problems, code issues, and underpaid claim items.
Carrier Communication
We communicate with the insurance company during the claim process and help policyholders respond to claim requests, inspections, and underpayment issues.
Claim Types Our Team Handles
Plumbing leaks, pipe breaks, roof leaks, hidden moisture, flooring, cabinets, drywall, and mold concerns
Fire and Smoke Claims
Fire damage, smoke, soot, odor, contents, fire department water damage, demolition, and rebuild scope
Hurricane Claims
Wind, roof damage, water intrusion, exterior damage, coastal exposure, and storm repair disputes
Roof Damage Claims
Tile, shingle, metal, flat roof, leak disputes, repair vs. replacement, and missing scope
Mold Damage Claims
Mold, moisture, testing, remediation, coverage limits, and rebuild disputes
Commercial Claims
Business property, tenant improvements, large losses, building damage, and business interruption issues
Premium Carrier and High-Value Property Claim Experience
Experienced Public Adjusters also 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.
High-value homes, waterfront estates, premium finishes, private client carriers, and complex losses
Chubb Masterpiece Claims
Luxury homes, waterfront estates, fine art, collectibles, and complex property claims
PURE Insurance Claims
Private client property claims involving luxury homes and specialty repairs
AIG Private Client Claims
AIG Private Client and Private Client Select property damage disputes
Citizens Insurance Claims
Citizens water, roof, hurricane, fire, mold, underpaid, delayed, and denied claims
Lloyd’s Insurance Claims
Specialty property, coastal exposure, high-value homes, and complex insurance claims
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.
Learn more about our local claim help for a public adjuster in Orlando, public adjuster in Naples, public adjuster in Tampa, or public adjuster in Daytona Beach.
For high-value and coastal property claims in Naples, our team also serves Port Royal, Aqualane Shores, Old Naples, The Moorings, Park Shore, Coquina Sands, Pelican Bay, Pine Ridge, and Logan Woods.
For Central Florida, our team also serves Winter Park, Windermere, Lake Mary, Winter Springs, and Dr. Phillips.
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 all 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.
Speak With Our Adjusting Team
If your insurance company is delaying, underpaying, lowballing, disputing, or denying your property insurance claim, call Experienced Public Adjusters for a free claim review.
Call (888) 881-8416. A live person answers 24/7. No voicemail.