Apopka Public Adjuster — Get What Your Policy Actually Owes You
📞 Call Now — Free Claim Review352-353-4556Licensed FL Public Adjuster · Lic. #A161638 · No recovery, no fee
Storm, water, or fire damage in Apopka? Your insurance company sent an adjuster to protect their number. Public Loss Adjusters is a licensed Florida public adjusting firm that works only for policyholders — documenting your loss, interpreting your policy, and negotiating for the full amount you’re owed.
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.
Apopka’s Trees Are Its Claim Problem
Apopka spreads from the older neighborhoods near downtown out to the newer growth along the 429 and Kelly Park. And Apopka has something most of Central Florida doesn’t: canopy. Mature oaks and pines over houses. Every serious storm, limbs come down — and roof damage from a falling limb is one of the most contested claims there is, because the carrier will argue the roof was already failing and the limb just found the weak spot.
The older stock near downtown carries the losses carriers call maintenance — slow leaks, aging roofs, mold behind original walls. The newer construction toward the 429 gets the opposite: denial for “wear and tear” on a roof that isn’t worn.
The Losses We Handle Here
- Roof & wind damage — the most-denied claim in Central Florida, and the canopy makes it worse
- Water damage — underpaid more than any other loss, because the real cost is behind the wall.
- Mold — what grows when the water claim was shorted the first time
- Fire & smoke — where contents valuation gets quietly cut
- Hurricane & storm — deductibles and exclusions applied hardest
Results in Orange County
Orlando-area property owner · litigated claim. Settled — $105,000.
Plus a separate residential settlement of $15,305.
Winter Park · water damage. Settled — $12,500 in new money.
Real settled claims. Client identities protected.
📞 Speak to a Licensed Public Adjuster352-353-4556Licensed FL Public Adjuster · Lic. #A161638 · No recovery, no fee
What Apopka Homeowners Don’t Know Until It’s Too Late
How a loss is described at the very start can decide what it ends up being worth. There is a right way and a costly way, and most homeowners learn the difference only after it is already on the record with the carrier. Before you call your insurance company — call us.
Denied? A denial is a position, not a verdict. We re-document and work to reverse it.
Underpaid? We pursue what your policy actually owes.
Serving Apopka and Central Florida.
Why Public Loss Adjusters
- Local to Central Florida — we work these claims, not a call center.
- 30+ years of claims experience (licensed 1992). Public Loss Adjusters, LLC has served Florida policyholders since 2019.
- We work for you, not the insurance company. Always.
- No recovery, no fee.
- Licensed and accountable — Florida Public Adjuster, Lic. #A161638.
352-353-4556Licensed FL Public Adjuster · Lic. #A161638 · No recovery, no fee
Claim help across Orange County
Orange County denied claim · Orange County underpaid claim · Orange County water damage claim · Orange County roof damage claim · Orange County hurricane damage claim