Luxury homes · Complex property claims
Private-client insurance claim help.
Your home may be exceptional. Getting help should be straightforward. We represent property owners with luxury homes, substantial damage and complex claims—and welcome a call from anyone who needs help understanding the next step.
A real person answers 24/7, including holidays.
Free initial claim review.
handled
policyholders
Claims and recovery totals reported by the firm, November 2026. Past results do not guarantee a future outcome. View our current rating on BBB.
Reviewed November 5, 2026. Policy wording, endorsements, loss facts and applicable law determine coverage.
Independent help for private-client policyholders
The insurer’s name helps identify the right policy questions. The claim still turns on the coverage issued, the cause and extent of damage, and the evidence supporting repair or replacement. Experienced Public Adjusters works for the policyholder, independently of the carriers below.
Chubb Masterpiece
Identify the issuing company, including Federal Insurance Company when named on the declarations, then review the forms and supported repair scope.
PURE
High-value home claims require attention to custom finishes, rebuilding provisions and the specific policy. PURE Programs documents need separate identification.
AIG / Private Client Select
Use the current declarations and servicing documents to distinguish the insurer, producer and claims administrator.
Cincinnati Private Client
Review the actual Florida policy and document specialty materials, affected systems and the work needed to complete repairs.
Vault
Vault identifies both a Florida reciprocal exchange and a separate surplus-lines company in its official company information. Confirm which entity and forms apply to your loss.
Berkley One
Berkley One’s dwelling information addresses homes and condos and includes Florida policyholder information. Actual coverage depends on the issuing insurer and policy.
Other insurers and policies are welcome
You do not need a particular carrier or a luxury-policy label to call us. We also review claims involving other insurers, including Travelers property claims. This is a guide for existing policyholders seeking claim help, not an insurance sales directory or a promise that any product is available for every Florida address.
Need to contact your insurer?
Use our verified claims phone, email and portal directory for official reporting and document channels. The insurer contacts are separate from EPA’s number for independent claim help.
Where detailed representation matters
- Water damage crossing several rooms or affecting custom cabinetry, natural stone and flooring.
- Fire or smoke losses involving building restoration, contents and displacement.
- Wind or hurricane damage with disputed roof, exterior and interior repair scopes.
- Damage involving specialty trades, integrated equipment or several professional reports.
- Differences between the insurer’s estimate and documented repair proposals.
Our luxury property guide explains the documentation approach. For larger non-residential losses, see commercial property claims and condominium and HOA master policies.
A conversation, without a dollar threshold
Tell us the location, what happened and where the claim stands. If you have an estimate, we can discuss it; if you do not, you can still call. We will explain whether our services fit the circumstances and what information would help with a review.
For sensitive inventories, property-access details or financial records, call first to arrange an appropriate way to share documents. A general website inquiry only needs a brief description and contact information.
Prepare for a useful conversation
Bring your policy and the question you need answered.
The declarations, forms and endorsements identify the actual coverage. An estimate, coverage letter, photographs and contractor proposals help explain the issue. You can still call if some records are missing.
Use the claim-preparation checklist · Review custom-home estimate details
EPA provides independent policyholder representation. These resources do not establish coverage or an insurer affiliation.
Close to your Florida property. One call to get started.
Our principal markets are Naples, Tampa, Orlando and Daytona Beach, including surrounding communities within approximately two hours of our locations. Call to discuss service at your property. View our five Florida offices.
Tell us what happened.
A luxury home, a complex loss, or a claim you are unsure how to handle: the first step is a conversation. You do not need a complete file or a damage estimate to call.
Call (888) 881-8416 Request a free claim review
Experienced Public Adjusters represents policyholders independently and is not affiliated with or endorsed by the insurers discussed here. David Dwyer, designated primary adjuster: Florida license W391016. Firm license W807213. Services and fees require a written agreement; no particular recovery is guaranteed.