Experienced Public Adjusters · Florida property claims
How Soon Should an Insurer Inspect Property Damage?
Ask the insurer to confirm the inspection appointment and any outstanding documents. The date of your first call is not the starting point for every statutory deadline.
Reviewed November 3, 2026. General information; the policy, loss date and applicable law control.
There is no reliable promise that every adjuster will arrive within a fixed number of days after your first phone call. Ask the insurer for an appointment and confirmation of what it needs from you.
Different steps have different clocks
For claims within its scope, section 627.70131 generally requires a physical inspection, when one is performed, within 30 days after receipt of proof-of-loss statements. This is different from the general 60-day payment-or-denial period. Statutory scope, exceptions and tolling matter; a single payment does not automatically resolve every documented dispute.
Read the current insurer claims-handling statute and our claim timeline guide.
While waiting for the visit
Document visible damage safely, arrange necessary emergency protection, keep receipts and preserve evidence where feasible. Do not allow damage to worsen while waiting. Ask in writing whether the insurer needs additional documents and when the inspection will occur.
We can help prepare the damage documentation and coordinate our participation. Our availability should not prevent the insurer from obtaining reasonable access. See Florida inspection notice rules.
Start with a clear next step.
Tell us where the property is, what happened and where the claim stands. Luxury homes and complex losses are our focus; all property owners are welcome to ask whether we can help.
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Do not delay emergency assistance, reasonable mitigation or required notice while awaiting a consultation. Public adjusting representation requires a separate written agreement describing services and fees.
David Dwyer, designated primary adjuster: Florida license W391016. Experienced Public Adjusters, LLC: firm license W807213. We are not a law firm and do not guarantee coverage or a settlement result.