The luxury-property claim library
Luxury property claim guides.
Clear information for a complicated moment. Use these guides to organize the details of a custom-home claim, or call our team if you would rather talk through the situation.
A real person answers 24/7, including holidays.
Free initial claim review.
Florida public adjuster W391016 · Firm W807213
Reviewed November 3, 2026. General claim information. The policy, loss facts and applicable law control.
A practical first step
Have a claim question? Start with the records you have.
Our interactive checklist helps organize the policy, photographs, estimates and correspondence for a first conversation. It does not ask for uploads, a claim number or personal information.
Open the call-preparation checklist
You do not need to finish a checklist before calling. A live person answers (888) 881-8416 24/7, including holidays.
Choose the question you need to answer
How does a luxury claim review work?
Our approach to the property, policy, evidence and repair scope.
How do I document custom materials?
Specifications, photographs, invoices and specialist proposals.
What if replacement materials do not match?
Florida-law context, adjoining areas and useful supporting evidence.
What should I gather for damaged stone?
Condition, material identification and restoration or replacement findings.
What belongs in a custom kitchen estimate?
Cabinetry, stone, appliances and the sequence of repairs.
What makes a large loss more involved?
Organizing several trades, extensive records and complex claim issues.
Which carrier details matter?
Chubb, PURE, AIG/PCS, Cincinnati, Vault and Berkley One resources.
How have Florida laws changed?
Current-source discussion of property insurance reforms since 2022.
Start with the event
Our water, fire and smoke, hurricane and roof damage resources explain practical claim documentation. The IICRC S500 guide distinguishes restoration guidance from coverage. The ordinance-or-law guide addresses building requirements and insurance benefits as separate questions.
Read with your own policy in hand
General information cannot establish coverage for an individual loss. Use the declarations, forms and endorsements in effect for the relevant date, together with the loss facts and insurer correspondence. Obtain legal advice about disputed rights or litigation and qualified technical advice about repair requirements.
Prefer a conversation?
Call with the location, what happened and the claim’s current status. Our focus is luxury homes and complex property losses, but all property owners are welcome to contact us. We also handle commercial property and condominium and HOA master-policy claims.
Florida claim help, close to your property
We serve Naples, Tampa, Orlando and Daytona Beach, including surrounding communities within approximately two hours of our locations. Call to discuss your property or find our five Florida offices.
One call can clarify your next step.
Tell us about the property, the damage and the claim’s current status. You do not need to know the final repair cost to call. All property owners are welcome to ask whether we can help.
Call (888) 881-8416 Request a free claim review
David Dwyer, designated primary adjuster: Florida license W391016. Experienced Public Adjusters: firm license W807213. Representation and fees require a written agreement. No settlement outcome is guaranteed.