The Villages Public Adjuster — A Denial Is Not the Final Word
📞 Call Now — Free Claim Review352-353-4556Licensed FL Public Adjuster · Lic. #A161638 · No recovery, no fee
Was your claim denied? Was the offer nowhere near the damage? Across The Villages, Wildwood, and Sumter County, homeowners are told “no” every day by carriers counting on them not to push back. Public Loss Adjusters is a licensed Florida public adjusting firm that works only for policyholders — and denials are what I reverse.
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.
What a Denial Is Actually Worth
Denied by the carrier. Their number: about $5,000. Final settlement: approximately $45,000.
A hurricane claim, denied outright. I re-documented the loss, challenged the denial, and negotiated it to nine times the carrier’s position. The damage never changed. Only who was arguing for it.
A denial is a position, not a verdict. It can be re-documented, re-argued, and reversed — and it costs you nothing out of pocket to have someone do it.
And a roof claim in the same area · settled at $17,180. Documented, negotiated, paid.
Why Claims Here Get Denied
The Villages and the surrounding Sumter communities — Wildwood, Webster, Bushnell, Lady Lake — sit in open country north of the Lake County ridge, with little to break up the wind, hail, and storm damage that comes across. Roofs take the brunt of it.
And there is a pattern I see over and over: a great many homeowners here are retirees on fixed incomes, and carriers know exactly what that means. The claim gets denied or lowballed. The homeowner hasn’t got it in them, or believes hiring help costs money they don’t have. The file closes. The damage stays. It costs nothing out of pocket to have a licensed public adjuster look at it — that single fact is what carriers are counting on you not knowing.
What I Handle in Sumter County
- Roof & wind damage — the region’s dominant loss
- Hail — routinely dismissed as “cosmetic”
- Water damage — underpaid more than any other loss, because the real cost is behind the wall.
- Mold — the consequence of an underpaid water loss
- Hurricane & storm — where deductibles and exclusions get applied hardest
352-353-4556Licensed FL Public Adjuster · Lic. #A161638 · No recovery, no fee
Denied Is Different From Underpaid — I Handle Both
If your claim was DENIED: the carrier has taken a position, and positions move. I review why, re-document the loss, and work to reverse it. I have done exactly that, here.
If your claim was UNDERPAID: they made an offer that doesn’t cover the damage. I find what your policy actually owes and pursue the difference.
And if you haven’t filed yet — call me first. How a loss is described at the very beginning can decide what it ends up being worth. Serving The Villages, Wildwood, Webster, Bushnell & Sumter County.
Why Public Loss Adjusters
- A licensed Florida public adjusting firm — Lic. #A161638. Not a contractor. Not a call center. Not the insurance company’s adjuster.
- 30+ years of claims experience (licensed 1992). Public Loss Adjusters, LLC has served Florida policyholders since 2019.
- I 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 Sumter County
Sumter County denied claim · Sumter County underpaid claim · Sumter County water damage claim · Sumter County roof damage claim · Sumter County hurricane damage claim