A live person answers our main line 24/7, including weekends and holidays.

Reviewed November 3, 2026. Coverage and available options depend on the policy, loss facts and applicable law.

One call can help clarify your next step

You do not need to know the value of the claim or have every document ready. Tell us where the property is, when you discovered the damage and what the insurer has said. Our first conversation is free and carries no obligation to hire us.

We welcome all property owners. There is no minimum home value or damage amount required to call. Our principal focus is residential property; we also handle condominium and HOA master-policy claims and commercial losses.

Report accurately, distinguish observations from assumptions and follow your policy’s requirements. Do not delay required notice, emergency assistance or reasonable steps to protect the property while arranging a consultation.

What a useful review considers

• The complete policy, endorsements, insured property and relevant dates.
• The source and extent of damage, photographs and qualified professional findings.
• The insurer’s estimate, payments, coverage letters and information requests.
• Mitigation records, contractor proposals, repair specifications and invoices.
• Relevant building, contents, living-expense or business-income issues.

We explain what we can assess from the available records and where additional evidence or professional advice may be needed. An initial review is not a coverage determination, engineering inspection or legal opinion.

Detailed attention for a high-value property

Custom cabinetry, natural stone, specialty roofing, valuable contents and integrated home systems require an estimate that identifies the actual property. We look for supported differences between the documented repair needs and the insurer’s scope.

Explore luxury-property claim resources and private-client insurer guidance. The carrier’s name or a home’s value does not replace a review of the actual policy.

If you choose representation

A separate written public adjusting agreement describes the services and fee. We can then organize claim records, prepare a supported scope, present documented issues and communicate with the insurer within that agreement. Appropriate contractors, restoration professionals, engineers or accountants may provide specialized findings.

Ask about the proposed fee, prior payments, any separately authorized costs and cancellation rights before signing. The public-adjuster guide explains our role. Legal disputes, suit deadlines and the effect of a release should be reviewed by a Florida attorney.

Bring what you have

Have your property location, insurer name, claim number if one exists, loss date and the main question ready. Keep sensitive financial records and detailed valuables inventories out of the general website message; ask our team about sharing documents appropriately.

Need a specific starting point? Read about water damage, roof damage, fire and smoke, association master policies or commercial losses.

Can you help after a claim has already been paid?

We can review an unresolved concern. Additional payment is not automatic, and deadlines, releases, prior repairs, policy conditions and the evidence can affect the available options. Tell us what has already happened rather than assuming the claim can or cannot be revisited.

Florida-licensed, with a local point of contact

Our licenses allow us to serve Florida property owners statewide. Our normal focus is within approximately two hours’ driving time of our five offices, especially Orlando, Daytona Beach and Naples. Tampa Bay remains a core market. Call to confirm arrangements for your property. Find our offices and service areas.

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.