Experienced Public Adjusters · Florida property claims
Port Royal Public Adjuster
A waterfront estate deserves a claim presentation that reflects its construction, materials and repair needs. Our Naples team helps Port Royal owners turn a complex loss into a clearly documented claim.
A live person answers 24/7, including holidays. Free initial claim review.
Reviewed November 5, 2026. General information; the policy, dates and circumstances of your loss matter.
Florida-licensed. Focused on your property. Our public adjusting licenses allow us to serve property owners throughout Florida. We concentrate on luxury residential and complex claims within approximately two hours’ driving time of our offices, with Orlando, Daytona Beach and Naples as priority markets and continued service throughout the Tampa area. All property owners are welcome to call.
One property, several repair disciplines
Custom stone, millwork, specialty roofing, impact openings and integrated systems may require different specialists. Build a room-by-room and structure-by-structure scope. Retain product records, measured quantities, pre-loss photographs and detailed proposals for access, protection and installation.
Discuss how occupied areas, valuable contents and undamaged finishes will be protected during repairs. Separate necessary restoration from elective upgrades. Those distinctions help explain a claim beyond the total on a contractor’s proposal.
Wind and flood need distinct evidence
A coastal storm may produce wind, rain intrusion and rising water at the same property. Record the sequence, water levels, affected openings and professional findings. Review homeowners, wind, flood and any excess coverage separately; notice to one insurer is not necessarily notice to another.
Docks, seawalls, pools, landscaping and detached structures can have specific limitations. Do not assume they share the dwelling’s coverage. Our hurricane claim guide and premium-policy resources explain how to organize the questions.
Floodplain review can affect reconstruction
The City of Naples floodplain guidance explains that substantially damaged or improved buildings may need additional compliance work. Obtain the city’s property-specific determination and the contractor’s documented scope. Do not confuse land-inclusive market value with the structure valuation used in a floodplain review.
Keep the permit and floodplain record with the claim. Required construction work does not automatically establish which insurer, policy provision or limit pays for it.
Fine interiors and valuable contents
Artwork, collections, furnishings and built-in components may require different specialists and valuation records. Protect privacy when sharing documents and provide only the information needed for the claim. Preserve inventories, receipts, appraisals and condition reports where available.
Review valuable-content documentation and our luxury property claim approach. We welcome a first conversation whether the loss is new, underpaid, delayed or denied.
Speak with the team serving Port Royal
Our Naples office is at 3606 Enterprise Avenue, Suite 221, Naples, FL 34104. Call (239) 497-4507. Port Royal is a service area, not a separate EPA office. Call to coordinate an inspection or office appointment; travel time and scheduling depend on the property and conditions.
Regional office and claim information · All Florida service areas
A useful first conversation
Tell us the property location, what happened, when you noticed it and what the insurer has said. If available, have the policy, claim number, estimate or decision letter and photographs ready. You do not need a complete file or a minimum loss amount to call.
When engaged, we organize the loss evidence, prepare a supported scope and communicate with the insurer. We can also help you prepare for a claim-reporting call and participate with you. Answer questions accurately, distinguish observations from assumptions and do not delay required notice or emergency protection while arranging help.
Nearby: Pelican Bay · Marco Island. Claim guides: water damage · fire and smoke.
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.
Free initial claim review
(888) 881-8416
Request a callback · Florida offices and service areas
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.