Experienced Public Adjusters · Florida claim guidance
Smart Home and Automation Insurance Claims
When connected home systems stop working after a loss, the useful question is which components were damaged, why, and what is needed to restore their function.
Reviewed November 4, 2026. Policy terms, loss facts and applicable requirements control.
Map the system before pricing replacements
Ask the system integrator to identify controllers, processors, panels, keypads, wiring and connected devices. Preserve installation records, model and serial numbers, configuration records and service history. Lutron, Control4, Savant and Crestron are examples of systems an owner may have; EPA is not affiliated with those manufacturers.
Document observed failures and their timing. An intermittent fault or failure after a storm does not alone establish lightning damage. Qualified electrical and system specialists should explain their findings, alternative causes and testing limitations.
Explain repair, compatibility and programming
A proposal should distinguish diagnosis, damaged hardware, necessary access, compatible replacement components, programming and post-repair testing. If one replacement requires other changes, ask the vendor to explain why and identify available alternatives.
Do not assume every connected device needs replacement or that modernization is insured. Separate loss-related work from elective upgrades, routine service and obsolete but undamaged equipment.
Keep safety and account access separate
Do not energize wet or damaged electrical equipment to demonstrate a failure. Use qualified professionals for electrical hazards and testing. Retain reports and safe photographs rather than attempting a homeowner diagnosis.
Do not put alarm codes, passwords, camera footage of private areas or complete network configurations into the general inquiry form. Arrange an appropriate sharing method for information genuinely needed for the claim.
Records worth gathering
Bring the policy, event and discovery dates, diagnostic reports, itemized integrator proposal, electrician findings, invoices and the insurer’s decision. Identify lighting, shades, HVAC controls, security, audio, pool equipment and other systems separately where affected.
Put the repair evidence beside the policy
Review the policy and endorsements in force on the loss date, along with the insurer’s written position. A premium brand, expensive material or larger contractor proposal does not by itself establish coverage. Separate damage repair, maintenance and elective improvements, and explain each disputed item with supporting records.
When engaged, EPA documents the property loss, reviews the scope and presents supported differences to the insurer. We work with the information from qualified trades and specialists; we do not replace their technical work or provide legal representation.
Our focus is luxury residences and complex claims around Orlando, Daytona Beach, Naples and Tampa, with Florida-wide inquiries welcome. No minimum home value or damage amount is required for an initial call. See our offices and service areas.
Specialty rooms · Luxury fire claims · Luxury storm claims · Premium insurer resources · Claim records checklist
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.
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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.