Public Adjuster in Lakeland, FL
If your property in Lakeland has been damaged and the insurance company has denied the claim, closed it, or paid an amount that will not cover the repair, there is a step most people never find out exists. The adjuster who came to your home works for the insurer. A public adjuster is the licensed professional who works for you.
Florida property insurance claims: the deadlines and the fee cap
- Notice of a claim
- Under Fla. Stat. §627.70132, a property insurance claim or reopened claim is barred unless notice was given to the insurer within 1 year after the date of loss. A supplemental claim is barred unless notice was given within 18 months after the date of loss. — Fla. Stat. §627.70132(2)
- Time to bring a court action
- An action for breach of a property insurance contract must be brought within 5 years, running from the date of loss. This is a separate clock from the notice deadline, and §627.70132(5) states that the notice statute does not affect it. — Fla. Stat. §95.11(2)(e)
- What a public adjuster may charge
- A public adjuster’s compensation is capped at 20 percent of the amount of insurance claim payments or settlements, exclusive of attorney fees and costs, paid to the insured by the insurer. For claims based on events that are the subject of a declaration of a state of emergency by the Governor the cap is 10 percent, and that limit applies to claims made during the year after the declaration of emergency. — Fla. Stat. §626.854(11)(b)
- Which deadline applies to you
- Which of these applies to your claim depends on your policy and your date of loss.
Public Loss Adjusters, LLC — Robert Mack, Florida public adjuster, Lic. #A161638. The review is free and carries no obligation. Call 352-353-4556.
Robert Mack — Public Loss Adjusters, LLC
Florida Public Adjuster License #A161638 · SPPA · AIC · AIC-M · CCC
What happens next
- You call. One conversation, and you will know whether there is anything here worth looking at further.
- A free policy and loss review. We read the policy you actually hold and look at what was actually lost. No cost, no obligation.
- We deal with the insurer. If there is a claim, we take it from there. No recovery, no fee.
The part nobody explains
An insurance company’s adjuster is competent and is doing a job – it is just not your job. They set the scope of the loss, and the scope is what decides the money. If the scope misses the tear-out behind a wall, the matching of what cannot be matched, or the cause of loss your policy actually covers, the payment is built on that omission and everything after it follows the same number.
Most people never learn a public adjuster exists until after they have accepted a figure. That is the gap. It is not that the homeowner argued badly; it is that nobody on the file was working for them.
Property claims in Lakeland
Lakeland is the largest city in Polk County, though the county seat is Bartow. It sits on the I-4 corridor between Tampa and Orlando, and its older neighbourhoods around Lake Morton and Lake Hollingsworth contain a substantial stock of pre-war and mid-century housing. Age is the recurring theme in Lakeland claims: a carrier that can call damage wear and tear rather than a sudden event pays considerably less for it.
Inland Polk exposure: wind, wind-driven rain, roof damage and the water losses that follow, plus plumbing failures in older housing.
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What clients say
★★★★★ 4.8 out of 5 across 11 Google reviews
“I came here especially to thank Robert and write a review for him (he didn’t ask me to)”
“It will seem like they are helping you out with a claim, but PLA pointed out how they were cutting corners and not paying what is really due.”
“This company was on top of my issue from the moment I called to the very end.”
“As it turned out, I didn’t use Robert. But he put in the time and effort to visit me and provide me with solid information and guidance should the insurance company not be responsive.”
The deadline that decides whether you still have a claim
Florida's claim deadlines are short. Under Fla. Stat. 627.70132, notice of a new or reopened property claim is generally due within one year of the date of loss, and a supplemental claim within 18 months. If you are close to either line that is a reason to move now, not a reason to assume it is over.
What we do, and what it costs
A public adjuster works for the policyholder, not the insurer. We re-document the loss, build an independent scope and estimate, read your policy against the carrier's position, and handle the negotiation. Fees are a percentage of the claim payment and are capped by Fla. Stat. 626.854 - 20% ordinarily, 10% for a claim arising from a declared state of emergency within the first year. The review is free and we work on a no recovery, no fee basis.
- Florida-licensed public adjuster, License #A161638
- Robert Mack, SPPA, AIC, AIC-M - in the insurance industry since 1991
- PO Box 560404, Montverde, FL 34756 - on site across Lake, Orange, Osceola, Polk, Seminole, Sumter and Volusia counties
- The review costs nothing and carries no obligation
What we will never do: promise you an outcome, tell you what your claim is worth before anyone has looked at it, or ask you to overstate a loss. Any adjuster who does is a risk to you, not an asset.
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Frequently asked questions
Do you work in Lakeland?
Yes, on site. Lakeland is in Polk County, one of the seven counties where Public Loss Adjusters represents policyholders in person: Lake, Orange, Osceola, Polk, Seminole, Sumter and Volusia. We are a Florida-licensed public adjusting firm, License #A161638.
What does a public adjuster cost in Lakeland?
Public adjuster fees in Florida are a percentage of the claim payment and are capped by Fla. Stat. 626.854 - 20% in ordinary circumstances, and 10% for a claim arising from a declared state of emergency within the first year. The initial review is free and we work on a no recovery, no fee basis.
How long do I have to file a property claim in Lakeland?
Florida sets the deadline statewide, not by city. Under Fla. Stat. 627.70132 notice of a new or reopened property claim is generally due within one year of the date of loss, and a supplemental claim within 18 months. The date you discovered the damage matters, so it is worth establishing early.
My claim is already closed. Is it too late?
Not necessarily. A closed file is not always a finished one - Florida allows supplemental and reopened claims, and a denial or a low payment can be revisited where the documentation supports it. Whether that is worth doing depends on the policy language and what evidence still exists, which is what the free review establishes.
More: Central Florida public adjusters · Insurance claim denied · Water damage claims · Is it covered?
Public Loss Adjusters, LLC — Florida-licensed public adjuster, License #A161638. PO Box 560404, Montverde FL 34756. On-site representation in Lake, Orange, Osceola, Polk, Seminole, Sumter and Volusia counties; remote claim work statewide. No recovery, no fee; fees are capped under Florida law. This page is educational and is not legal advice, not a guarantee of coverage, and not a promise of payment. Every claim turns on its own policy language and facts.