Groveland Public Adjuster — We Work for You, Not the Insurance Company
📞 Call Now — Free Claim Review352-353-4556Licensed FL Public Adjuster · Lic. #A161638 · No recovery, no fee
Property damage in Groveland? You are the only party in your claim without a professional on your side — unless you hire one. Public Loss Adjusters is a licensed Florida public adjusting firm based in Montverde, FL 34756, minutes from Groveland. I represent you. Never the insurance company.
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.
Groveland Is Growing Fast — and New Houses Get a Specific Denial
Groveland has been one of the fastest-growing towns in Lake County — the newer subdivisions along 50 and 27, developments filling in south and west of the historic core, thousands of homes built in the last decade or two.
Newer construction draws a very specific carrier argument, and it is a nonsense one: they deny roofs for “wear and tear” on houses barely standing long enough to wear. They call damage “pre-existing” on homes that don’t have a past. The older core near downtown gets the opposite: maintenance, age, the slow-leak argument. Two different houses. Same goal: pay you less than the policy owes.
What Hits Groveland
- Roof & wind damage — ridge and open-country storm exposure; the most-denied claim in Central Florida
- Hail — the damage carriers most love to call cosmetic
- Water damage — supply-line and plumbing failures; the most underpaid loss in the state
- Lightning — the ridge draws it, and most of the damage isn’t visible
- Mold — what grows out of the water claim that was shorted the first time
Results Minutes Away
Clermont · single-family home, property loss. Recovered — over $725,000.
Clermont · water damage from a plumbing failure. Settled — $25,000.
Clermont · property claim. The carrier’s first offer was about $11,500. They raised it to $16,000 to close the file. I kept going. Final settlement: approximately $19,000. The first offer is never the last offer — and the second isn’t either.
Real settled claims. Client identities protected.
📞 Speak to a Licensed Public Adjuster352-353-4556Licensed FL Public Adjuster · Lic. #A161638 · No recovery, no fee
Before You Call Your Insurer
How a loss is described and documented at the very start can decide what it ends up being worth. There’s a right way and a costly way, and most homeowners never learn which they used until it’s already on the record. That is exactly the gap I exist to close.
Denied? A denial is a position, not a verdict. I re-document and work to reverse it.
Underpaid? I pursue what your policy actually owes.
Serving Groveland and Lake County.
Why Public Loss Adjusters
- Local. Based in Montverde, FL 34756, minutes from Groveland — not a statewide call center reaching in from South Florida.
- 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 Lake County
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