Experienced Public Adjusters · Florida property claims
What to Say to an Insurance Adjuster After Property Damage
Be accurate, complete and clear. You do not need to guess at an answer, hide an inconvenient fact or use a script that does not fit what actually happened.
Reviewed November 3, 2026. General information; the policy, dates and circumstances of your loss matter.
Prepare for the claim conversation
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Separate what you observed from what needs investigation
Explain when you discovered the damage, what you saw and what steps you took. If the actual start date or cause is unknown, distinguish that from the discovery date. Disclose known prior damage, repairs and relevant history accurately. If you need to check a record, say so and follow up with the correct information.
For example: “I noticed water beside the cabinet on Monday; I do not know when the leak began.” Use that wording only if it is true. Do not replace a known fact with “I don’t know” to avoid an unfavorable answer.
Common communication mistakes to avoid
- Guessing about cause or duration. A plumber, engineer or other qualified professional may need to investigate.
- Using an imprecise label. Describe where the water came from and what you observed; the policy’s definitions determine the coverage question.
- Treating a first inspection as the complete scope. Identify observed damage and explain what areas have not yet been evaluated.
- Leaving an error uncorrected. If you discover an inaccurate statement, correct it promptly and explain the basis.
- Assuming a phone call replaces a document request. Keep track of requested records, deadlines and what you submitted.
Recorded statements and examinations under oath
Florida DFS explains that policyholders must cooperate with a claim investigation and may be asked for a recorded statement or an examination under oath. Review your policy and the actual request. Do not ignore it or assume that hiring a public adjuster removes your own obligations. Read DFS guidance on duties after a loss.
Answer truthfully, ask for clarification when needed and avoid speculation. An examination under oath can have legal consequences; consult a Florida attorney about that request or legal concerns. We do not provide legal advice.
Prepare a simple claim record
- Your policy, claim number and the insurer representative’s details.
- A timeline separating observations, professional findings and repairs.
- Photographs, reports, invoices and any mitigation records.
- The insurer’s estimate, payment explanation or denial, if available.
- A list of unresolved questions and requested documents.
Keep a dated communication log. Preserve evidence when safe and practical, but do not delay emergency assistance or necessary measures to protect the property.
We can help you prepare—and participate when engaged
Experienced Public Adjusters can review the available claim information, help organize a factual presentation and assist with insurer communications under a written engagement. When engaged, we can join the reporting call with you. Our role is to support an accurate, documented claim and a fair investigation, not to promise an outcome or conceal information.
Luxury homes and complex losses are our focus, and all property owners are welcome to call. Explore our services, water claims and the insurer claims directory.
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
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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.