Experienced Public Adjusters is located at 3606 Enterprise Avenue, Suite 221, Naples, FL 34104. Call our Naples number, (239) 497-4507, or (888) 881-8416 to discuss your property and arrange an appointment.

We represent policyholders with new losses, delayed claims, disputed estimates and denials. Residential property is our primary focus, including luxury homes and high-value interiors. We also handle condominium and HOA master policy claims and commercial property losses.

In a custom home, the repair may involve far more than replacing a standard material. Stone slabs, cabinetry, millwork, specialty roofing, integrated lighting and automation can require detailed specifications and coordinated trades. Access to a damaged component may affect surrounding finishes, and the proposed sequence of work can matter to the repair scope.

We help organize the evidence around those details: what was installed, what was damaged, what can reasonably be repaired, and what the policy provides. Photographs, product records, itemized contractor proposals and appropriate specialist reports can help explain differences between estimates. A premium policy must still be read carefully; benefits vary by form and endorsement.

Explore specific high-value claim issues

• Luxury property claims and the luxury claim resource library.
• Marble and natural stone and high-end finishes and materials.
• Custom kitchens and luxury bathrooms.
• Smart-home and automation systems and ordinance or law coverage questions.

• Water damage and plumbing or pipe leaks.
• Wind, hurricane and roof damage.
• Fire and smoke, mold-related damage, lightning and electrical damage.
• Condominium and HOA master policy claims, commercial property and business interruption.

Identify the specific damage rather than treating every condition after a storm as having the same cause. Roof damage, rain intrusion, rising water and electrical damage can require separate evidence and may involve different insurance. The Florida DFS storm insurance guide explains the importance of reviewing wind and flood coverage.

For roof repair disputes, the 25% roof rule is not an automatic entitlement to full replacement. The qualifying exception, applicable code, condition of the roof and policy all matter. Matching issues also require a documented, reasonable scope, rather than an assumption that every adjoining finish must be replaced.

For local association issues, see our Naples condominium claim guide. Flood and substantial-damage questions have their own requirements; our Naples flood and repair-planning guide separates them from ordinary repair-estimate questions.

Association claims can involve multiple buildings, shared components and several interested parties. A useful starting file includes the master policy, governing documents, inspection reports, maintenance records and itemized repair proposals. Condominium and HOA responsibilities differ, and unit-owner insurance may cover different property from the association policy.

We help organize and present the insurance claim. Boards should obtain appropriate legal and engineering advice for questions involving governing obligations, structural safety or legal disputes. See our association claim guide.

We compare the insurer’s proposed work and payment calculation with the policy and the actual property. Custom stone, cabinetry, specialty roofing, glazing and exterior assemblies need identified materials and supported repair methods. Building damage, other structures, contents and additional living expenses should be documented separately when relevant to the policy.

• Bring the complete policy and endorsements, claim number and written decision.
• Include the itemized estimate, payment breakdown and any depreciation or deductible explanation.
• Keep photographs, product records, contractor proposals and mitigation invoices.
• Bring specialist reports and any settlement release or repair agreement.

An initial check is not necessarily the total value of an estimate. We explain supported scope differences and policy questions without promising additional payment. Call (888) 881-8416 while you gather records; do not delay required notice or emergency protection.

Our Naples office supports Southwest Florida residences, custom estates and association properties. Aqualane Shores, Park Shore, The Moorings, Coquina Sands, Logan Woods and Raffia Preserve are service communities, not additional office locations.

Local claim guides: Port Royal · Pelican Bay · Old Naples · Naples Park · Pine Ridge · Marco Island · Bonita Springs · Fort Myers · Cape Coral · Port Charlotte.

These are service areas, not separate offices. Call to confirm inspection arrangements. See our Florida office and service-area directory for all five active offices.

Do you work with private-client insurance claims?

Yes. We can review claims involving high-value and private-client policies. Bring the complete policy and endorsements rather than relying on a carrier name or product label to determine coverage. Our resources include Chubb Masterpiece, PURE and AIG private-client claims. We represent the policyholder and are not affiliated with or endorsed by those insurers.

Can you review a claim after a payment or denial?

Yes. A review can consider the decision, documented damage and possible next steps. Policy duties, deadlines and prior releases affect what remains available. An attorney should review legal rights and litigation questions.

How should I share sensitive records?

Start with a phone conversation. Ask which records are needed and how to provide them before sending detailed inventories, financial records or private property documents through a general contact form.

Who is the primary adjuster?

David Dwyer, Florida license W391016, is the firm’s designated primary adjuster. The firm license is W807213. Review the written services and fee agreement before hiring us.

See client feedback, the Florida insurance-law update and our full office directory. Official public adjusting requirements: Florida Statutes §626.854.