For Case Managers and Agency Staff

If you have a client whose home or apartment is damaged and no way to fix it, the loss may be covered by a policy they don’t understand — and finding out costs them nothing.

I’m Robert Mack. I’m a licensed Florida public adjuster (Lic. #A161638) in Montverde, FL 34756. I’ve been in the insurance industry since 1991.

This page exists because case managers keep running into the same wall: a family in a unit with mold, an elderly homeowner with water damage, a renter whose belongings were destroyed — and there is no program for property damage. No grant, no fund, nothing to refer them to.

Sometimes there’s a policy that already covers it. Nobody ever told them.

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What I do

When a property is damaged, the insurance company sends its own adjuster to put a value on the loss. That adjuster is paid by the insurance company.

A public adjuster works only for the policyholder. I document the damage, read the policy, and negotiate what the policy actually owes. I am licensed and regulated by the Florida Department of Financial Services.

I handle claims that were denied, claims that were underpaid, and claims that were never filed at all.

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The questions you’re going to ask

Will this cost my client anything?

No. There is no consultation fee, no retainer, and no bill. I’m paid a percentage of what is recovered. If nothing is recovered, nothing is owed. A client whose loss turns out not to be covered owes me nothing and never hears from me again.

What if it isn’t covered?

I’ll tell them plainly that it isn’t covered, and that’s the end of it. A significant part of what I do is telling people their loss isn’t covered. I’d rather say so in five minutes than waste their time.

Who are you accountable to?

The Florida Department of Financial Services. License #A161638 — you can verify it at MyFloridaLicense.com. Public adjusters are regulated under Fla. Stat. §626.854, including a statutory cap on fees.

Do you handle the client’s money?

Settlement funds are paid by the carrier. My fee is a percentage of the recovery and it is disclosed in writing before anything is signed.

Will you pressure my client?

No. If someone isn’t ready or doesn’t want help, that’s the end of the conversation.

What if they’re a renter?

Renters are the most common case I see where nobody realized there was coverage. A renters policy typically covers the tenant’s belongings — clothes, furniture, electronics — and often a hotel if the unit is unlivable. Most renters have been told for years that the apartment is the landlord’s problem, so they never file. Mold, water damage from an upstairs unit, smoke — these are frequently covered, and frequently never claimed.

What if they don’t have insurance?

Sometimes there’s still a policy in play that isn’t theirs — the building’s, or another tenant’s. It’s worth a phone call before assuming there’s no recourse.

Do you speak Spanish?

Yes. Se habla español.

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What I’d ask of you

Nothing, except this:

If you have a family whose home is damaged and no way to fix it — call me before you close the file. I’ll tell you honestly whether it’s covered. If it isn’t, I’ll say so, and that’s the end of it.

Robert Mack
Licensed Public Adjuster · Lic. #A161638
Public Loss Adjusters, LLC · Montverde, FL 34756

352-353-4556 · rmack@placlaim.com

Serving Lake, Orange, Sumter, and Polk counties.