David Dwyer Public Adjuster Luxury, Large-Loss & Complex Claim Expert
David Dwyer is the Founder and CEO of Experienced Public Adjusters, LLC and a Licensed Florida Public Adjuster — License W391016. David represents policyholders, not insurance companies, with new, delayed, underpaid, and denied property insurance claims.
David leads Experienced Public Adjusters’ strategy for luxury homes, high-value estates, large-loss residential claims, commercial losses, condominium claims, hurricane damage, water damage, fire and smoke damage, roof damage, premium carrier disputes, Ordinance & Law issues, and complex scope and valuation disputes throughout Florida.
W391016
W807213
EPA team experience
For policyholders
About David Dwyer
David Dwyer is the Founder and CEO of Experienced Public Adjusters, a Florida public adjusting firm representing policyholders with property insurance claims. David helps homeowners, luxury property owners, business owners, condominium associations, property managers, and commercial policyholders understand their rights after property damage and pursue the claim benefits available under their policies.
David’s work is focused on luxury, large-loss, high-value, and complex property insurance claims. These claims often involve custom homes, premium finishes, detailed policy language, specialty materials, large repair scopes, commercial income issues, disputed causation, code upgrades, matching disputes, and significant differences between the carrier estimate and the real cost to restore the property correctly.
Experienced Public Adjusters represents policyholders only. We do not represent insurance companies. The company helps with claim review, damage documentation, repair scope, estimate preparation, carrier communication, negotiation, supplements, and large-loss claim strategy.
Industry Leadership in Luxury, Large-Loss and Complex Claims
David’s claim strategy is built around documentation, valuation, policy review, and negotiation. Luxury and complex claims are not basic repair claims. They may involve custom construction, premium materials, high-limit policies, specialty trades, private client coverage, commercial operations, condominium association responsibilities, and expensive hidden damage that must be documented correctly.
Many high-value claims are underpaid because the estimate does not reflect the real repair method, true material quality, full access requirements, matching obligations, repair sequencing, code upgrades, or specialty labor needed to restore the property properly. David and the EPA team focus on identifying what was missed, why it matters, and how to support the claim with the right documentation.
Claims David Helps With
- New property insurance claims after water, wind, fire, hurricane, roof, mold, smoke, lightning, electrical, or storm damage
- Delayed claims where the carrier has not moved the claim forward properly
- Underpaid claims where the insurance company estimate may not reflect the full scope of damage
- Denied claims where coverage was refused and the policyholder needs a detailed review
- Luxury and high-value home claims involving custom finishes, premium materials, private client policies, and complex estimating
- Large-loss residential claims involving major water, fire, hurricane, roof, mold, and rebuild disputes
- Commercial property claims involving buildings, business property, tenant improvements, and large losses
- Condominium and association claims involving shared property, common areas, unit damage, and coverage coordination
- Ordinance & Law disputes involving code upgrades, demolition, increased cost of construction, access, and rebuild requirements
Luxury, High-Value and Custom Home Claims
David leads Experienced Public Adjusters’ luxury and high-value property claim strategy. These claims often involve waterfront estates, custom homes, premium finishes, specialty stone, designer flooring, custom cabinetry, built-in appliances, specialty roofing systems, smart-home systems, wine rooms, elevators, valuable contents, high-limit policies, and detailed valuation disputes.
High-value homes require a higher standard of claim documentation. A standard carrier estimate may not properly account for custom materials, imported finishes, discontinued products, matching, specialty labor, builder pricing, designer specifications, access, protection, or the true sequence needed to restore the property.
Luxury Property Claim Resources
Resource center for luxury home claim documentation, high-end finishes, premium carriers, custom homes, and complex property losses.
Luxury Property Insurance Claims
High-value homes, waterfront estates, premium finishes, private client carriers, and complex claim representation.
High-End Finishes & Materials
Marble, stone, custom cabinetry, designer appliances, smart-home systems, specialty labor, and matching issues.
Marble & Natural Stone Claims
Marble, travertine, limestone, quartzite, terrazzo, fabrication, polishing, replacement, and matching disputes.
Complex Claim Issues David Focuses On
- Scope disputes: missing rooms, missing trades, missing demolition, missing access, and incomplete repair sequencing
- Valuation disputes: low pricing, standard-grade pricing, specialty material omissions, and custom labor gaps
- Matching disputes: stone, tile, wood flooring, cabinetry, wallpaper, roofing, stucco, paint, and discontinued materials
- Ordinance & Law disputes: code upgrades, increased cost of construction, demolition, permitting, electrical, plumbing, roofing, and openings
- Luxury finish disputes: marble, natural stone, custom cabinetry, millwork, designer fixtures, premium appliances, and smart-home systems
- Large-loss disputes: fire, hurricane, water, mold, commercial, condominium association, and rebuild claims
- Premium carrier disputes: Chubb, PURE, AIG Private Client, Cincinnati Private Client, Lloyd’s, Travelers Private Client, and other high-value insurers
Property Damage Claim Types
Water Damage Claims
Plumbing leaks, pipe bursts, slab leaks, water migration, cabinet damage, flooring damage, hidden moisture, and disputed interior repair scopes.
Plumbing Pipe Leak Claims
Pipe breaks, slab leaks, supply line leaks, shower pan leaks, kitchen leaks, bathroom leaks, tear-out, access, and resulting water damage.
Fire & Smoke Claims
Fire damage, soot, smoke odor, contents damage, fire department water damage, demolition, cleaning, and rebuild scope disputes.
Hurricane Damage Claims
Hurricane damage, roof leaks, wind-created openings, interior water damage, storm damage, and repair versus replacement disputes.
Wind Damage Claims
Wind-created openings, roof damage, exterior damage, soffit, fascia, windows, doors, wind-driven rain, and interior damage.
Roof Damage Claims
Tile, shingle, metal, flat roof, storm damage, underlayment, leaks, repair versus replacement, and matching disputes.
Mold Damage Claims
Mold, moisture, testing, remediation, policy limits, rebuild scope, hidden water damage, and coverage issues.
Commercial Insurance Claims
Commercial buildings, business property, tenant improvements, large losses, business interruption concerns, and disputed commercial estimates.
Premium Carrier and Private Client Claims
David and the EPA team assist with complex claims involving private client and premium insurance programs. Premium policies can include broader benefits, higher limits, valuable articles coverage, Ordinance & Law coverage, and custom repair expectations, but the claim still must be fully documented.
Chubb Masterpiece Claims
Chubb Masterpiece, high-value homes, fine finishes, contents, collections, and complex property claims.
PURE Insurance Claims
PURE Insurance private client property claims involving luxury homes, specialty repairs, and high-value materials.
AIG Private Client Claims
AIG Private Client and Private Client Select claims involving luxury homes and complex repair scopes.
Cincinnati Private Client Claims
Cincinnati Private Client, high-value homes, valuable contents, specialty repairs, and complex claim representation.
Lloyd’s Insurance Claims
Lloyd’s, surplus lines, coastal properties, luxury homes, commercial buildings, and complex Florida property claims.
Travelers Private Client Claims
Travelers Private Client, high-value homes, valuable contents, specialty repairs, and complex claim representation.
Luxury Resource Pages Connected to David’s Claim Strategy
Luxury Kitchen Claims
Custom cabinetry, premium appliances, stone counters, designer fixtures, backsplashes, flooring, water damage, and smoke damage.
Luxury Bathroom Claims
Stone showers, imported tile, waterproofing, steam systems, designer fixtures, custom vanities, glass systems, and mold issues.
Smart Home & Automation Claims
Lightning, surge, Lutron, Control4, Savant, alarms, cameras, low-voltage wiring, lighting controls, and connected systems.
Wine Room & Specialty Room Claims
Wine rooms, climate control, theaters, gyms, libraries, offices, specialty contents, and custom finishes.
Matching High-End Materials
Discontinued materials, imported finishes, adjoining areas, stone, tile, wood, cabinetry, and luxury finish matching.
Ordinance & Law Coverage
Code upgrades, demolition, increased cost of construction, roofing, electrical, plumbing, openings, and luxury rebuild issues.
Education, Business Background and Negotiation Training
David earned a Bachelor of Science in Business Administration and completed an Executive MBA at the State University of New York at Oswego. His professional background includes financial services, executive leadership, business operations, revenue management, and negotiation strategy.
David also completed advanced executive and negotiation training, including Negotiation Mastery through Harvard Business School Online, Executive Leadership & Coaching Strategies through Harvard University, and the Senior Executives Program through Aileron Consulting.
This background supports David’s approach to policy interpretation, financial analysis, risk evaluation, documentation strategy, valuation disputes, and structured claim negotiation.
Florida Markets David Serves
David is based in Naples and leads Experienced Public Adjusters’ Southwest Florida high-value claims practice. The firm also serves policyholders across Florida through its Orlando headquarters and regional markets.
Primary Florida Markets
Southwest Florida High-Value Communities
For luxury, waterfront, and high-value coastal property claims, David focuses heavily on Naples and Southwest Florida communities.
- Port Royal Public Adjuster
- Pelican Bay Public Adjuster
- Old Naples Public Adjuster
- Aqualane Shores Public Adjuster
- Moorings Public Adjuster
- Park Shore Public Adjuster
- Pine Ridge Public Adjuster
- Logan Woods Public Adjuster
Claim Philosophy
David’s claim philosophy centers on documentation accuracy, policy compliance, ethical negotiation, and a full review of covered damage. The goal is not a quick settlement. The goal is a properly supported claim that reflects the real scope of damage and the policy benefits available to the insured.
David is particularly focused on scope disputes, valuation disputes, repair-method disagreements, matching issues, high-value finishes, and claims where the first carrier estimate does not match the true cost to repair or rebuild.
Negotiation First, Appraisal Only When Appropriate
Experienced Public Adjusters does 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.
Licensing and Professional Information
- Name: David Dwyer
- Role: Founder and CEO of Experienced Public Adjusters, LLC
- Florida Public Adjuster License: W391016
- Firm License: W807213
- Company: Experienced Public Adjusters, LLC
- Email: dwyer@experiencedpublicadjusters.com
- Main Phone: (888) 881-8416
Get David’s Eyes on Your Claim
If you have a new, delayed, underpaid, or denied property insurance claim — especially a luxury home, high-value property, commercial building, condominium, large-loss, or complex claim — call Experienced Public Adjusters for a free claim review.
Live person answers 24/7. No voicemail.
David Dwyer Public Adjuster FAQs
Is David Dwyer a licensed Florida public adjuster?
Yes. David Dwyer is a Licensed Florida Public Adjuster. His Florida public adjuster license number is W391016.
Does David Dwyer work for the insurance company?
No. David Dwyer and Experienced Public Adjusters represent policyholders only. They do not work for insurance companies.
What types of claims does David handle?
David helps with new, delayed, underpaid, and denied property insurance claims involving water damage, fire damage, hurricane damage, roof damage, mold, commercial property, condominium claims, luxury homes, large losses, and high-value properties.
Does David handle luxury and high-value claims?
Yes. David leads Experienced Public Adjusters’ luxury and high-value property claim strategy, including claims involving Chubb Masterpiece, PURE Insurance, AIG Private Client, Cincinnati Private Client, Lloyd’s, Travelers Private Client, waterfront homes, custom finishes, and complex property losses.
Does David help with large-loss and complex claims?
Yes. David focuses heavily on large-loss and complex property claims involving detailed scopes, repair sequencing, specialty materials, matching disputes, commercial property, condominium associations, premium carriers, and high-value policy issues.
How do I contact David Dwyer?
Call Experienced Public Adjusters at (888) 881-8416. A live person answers 24/7.
Experienced Public Adjusters – Corporate Headquarters
Experienced Public Adjusters, LLC
4555 Hoffner Ave
Orlando, FL 32812
24/7 Phone: (888) 881-8416
Email: dwyer@experiencedpublicadjusters.com