Experienced Public Adjusters · Luxury homes & complex claims
David Dwyer.
Founder, CEO and designated primary adjuster. Licensed Florida public adjuster W391016. Focused on the details behind luxury homes, substantial property losses and complex claims.
A real person answers 24/7, including holidays.
Free initial claim review.
Florida public adjuster W391016 · Firm W807213
Policyholder representation, with a clear point of contact
David leads a Florida firm serving homeowners, business owners and associations with property insurance claims. The team helps organize the evidence, review the damage scope, support estimates and communicate the claim to the insurer.
Why the details matter in a high-value home
A damaged room may involve more than a surface repair. Custom cabinetry, natural stone, specialty flooring, concealed systems and carefully coordinated finishes call for a clear record of what was there, what was damaged and what a supported repair involves.
David’s approach centers on documenting those details and comparing them with the insurer’s estimate and the actual policy. The aim is a well-supported claim—not an assumed replacement entitlement or a promised payment. Coverage, matching, code requirements and repair methods depend on the facts, applicable requirements and policy terms.
Where the team can help
- New claims: organize the facts and, when engaged, join the reporting conversation.
- Underpaid or disputed claims: identify specific differences in scope, quantities, materials and pricing.
- Delayed claims: organize correspondence and outstanding information requests.
- Denied claims: review the stated reason and damage evidence, with attorney involvement where legal advice is needed.
- Condominium, HOA and commercial losses: organize building, contents and other relevant claim documentation according to the policy and responsibilities involved.
Luxury focus. An open door for property owners.
Our firm’s principal focus is residential property, especially luxury homes and complex losses. We also handle association master-policy and commercial property claims. You do not need a particular home value or claim amount to call. The first conversation helps us decide together whether we can help.
Explore our luxury property claim services, private-client insurer claim resources and water damage guide.
Serving Florida’s key residential markets
Our five offices support Naples, Tampa, Orlando, Daytona Beach and nearby communities. Our normal service focus extends approximately two hours from these locations, subject to the property, travel conditions and claim needs. Find your region and office.
A clear starting point for your claim.
Use the call-preparation checklist or explore the details behind a custom-home estimate. You do not need a complete file to speak with our team.
Professional information
David is the firm’s founder, CEO and designated primary adjuster. Florida DFS lists a valid Public Adjuster–All Lines license and an appointment with Experienced Public Adjusters, LLC, checked November 3, 2026. See the verification guide for current records.
Meet the adjusting team and the firm’s leadership. Questions about legal rights, litigation or the effect of a release should be directed to a qualified attorney.
Your next step can start with one call.
Tell us what happened, where the property is and where the claim stands. Luxury homes and complex losses are our focus; every property owner is welcome to ask whether we can help.
Free initial claim review
(888) 881-8416
Prefer a callback? Send a short inquiry. Do not delay emergency assistance, reasonable mitigation or required notice while waiting for a consultation.
David Dwyer, designated primary adjuster: Florida license W391016. Experienced Public Adjusters, LLC: firm license W807213. Public adjusting representation requires a separate written agreement describing services and fees. We are not a law firm and do not guarantee coverage or a settlement result.