Florida property claim representation
What does a public adjuster do?
A public adjuster helps a property owner prepare, document and negotiate an insurance claim within the authority of a public adjusting license. The role is different from an adjuster working for the insurance company.
Reviewed November 2, 2026. Coverage and available remedies depend on your policy, loss facts and applicable law.
Representation for the policyholder
Experienced Public Adjusters works with Florida homeowners, condominium and HOA associations, and commercial property owners. Our principal focus is residential property, including luxury homes and complex damage involving high-value finishes, contents and repair coordination.
Depending on the assignment, the work may include inspecting accessible damage, organizing photographs and records, preparing an itemized estimate, reviewing the insurer’s estimate and presenting supported claim differences. We explain the scope of our services and fees in a written agreement.
Understand who each professional represents
- Company and independent adjusters: may be assigned by the insurer to investigate or adjust its claim.
- Public adjusters: provide claim representation under a contract with the client.
- Contractors and restoration professionals: assess and perform work within their qualifications and agreements.
- Attorneys: provide legal advice and representation, including litigation when appropriate.
A public adjuster does not replace an attorney and cannot provide legal advice or handle bodily injury, death or noneconomic-damage claims. See Florida Statutes section 626.854.
Check the license and appointment
The Florida Department of Financial Services distinguishes the resident 3-20 public adjuster license from the 6-20 all-lines adjuster license. A 6-20 license alone is not the same public adjuster credential. Apprentice appointments have separate requirements. Verify the individual, the firm and the appropriate current appointment through DFS; do not rely only on a business card. Review the DFS license classifications.
Our designated primary adjuster is David Dwyer, Florida license W391016. Experienced Public Adjusters holds firm license W807213.
Questions to ask before signing
- Who will handle my claim and communicate with me?
- What work is included, and how are fees calculated?
- What cancellation rights and applicable fee limits are in the agreement?
- Would any separate experts create additional costs requiring my written agreement?
- What happens if the dispute requires an attorney?
You may handle a claim yourself. Hiring a public adjuster is a decision about the assistance you need, not a prerequisite to reporting a loss. Report promptly and take reasonable, safe steps to prevent further damage. Read our guide to responsibilities after filing a claim.
When a review may help
Consider a review when repair proposals and the insurer’s estimate differ materially, important rooms or materials appear omitted, a complex loss involves several professionals, or the claim paperwork has become difficult to manage. We can discuss the documents and whether our services fit the situation. No particular settlement amount is promised.
Concerned about a claim payment?
Experienced Public Adjusters helps Florida property owners document damage and present supported claims, with a focus on luxury homes, complex residential losses, condominium and HOA master policies, and commercial property.
Call (888) 881-8416 Request a claim review
Serving Naples, Tampa, Orlando, Daytona Beach and surrounding communities. Find our offices and service areas.
David Dwyer, designated primary adjuster: Florida license W391016. Experienced Public Adjusters: firm license W807213. Representation is subject to a written agreement; no settlement outcome is guaranteed.