Commercial Property Damage Claims in Florida
Public Loss Adjusters, LLC provides expert representation for business and property owners across Florida. Our firm specializes in commercial property damage claims — from high-rise offices and retail stores to hotels, warehouses, and government facilities. We help you navigate the insurance process, enforce statutory timelines, and recover the full value of your loss under §626.854 and §627.70131 of the Florida Statutes.
Why Choose Public Loss Adjusters for Commercial Property Damage Claims?
Commercial property claims are complex. They involve large policy limits, multiple stakeholders, and strict compliance deadlines. We bring over two decades of construction and insurance experience to every file — blending field documentation, estimating, and negotiation skill to secure fair results faster. From initial inspection through final settlement, we represent your interests — not the insurer’s.
Our Areas of Expertise
Commercial Fire Damage Claims
Comprehensive representation for fire and smoke losses affecting structures, contents, and operations.
Commercial Water Damage Claims
Full documentation and claim preparation for plumbing, roof, and sprinkler water losses.
Commercial Mold Damage Claims
Expert analysis and recovery under limited mold sublimits, ensuring maximum payout under Florida law.
Business Interruption Insurance Claims
Recovery for lost income, payroll, and continuing expenses following a covered loss.
Appraisal & Mediation
Binding and non-binding resolution of disputes under Florida’s statutory framework.
HOA Fire Insurance Claims
Representation for homeowners’ and condo associations after building or common-area fire damage.
Retail Water Damage Claims
Claims management for tenant and landlord water losses affecting stores and shopping centers.
Restaurant Business Interruption Claims
Income recovery and contamination documentation for Florida restaurants and hospitality operators.
Warehouse Wind Damage Claims
Full-scope documentation for roof uplift, door damage, and business interruption losses.
Condominium Association Insurance Claims
Policy coordination between master and unit-owner policies for Florida condo associations.
Medical Facility Damage Claims
Regulatory-compliant recovery for hospitals, clinics, and healthcare offices.
Hospitality & Hotel Damage Claims
Loss evaluation and revenue recovery for hotels, resorts, and vacation properties.
Office Building Damage Claims
Structural, contents, and loss-of-rents claims for corporate and mixed-use offices.
Industrial & Manufacturing Facility Claims
Engineering, equipment, and production loss documentation for industrial clients.
Educational & Institutional Property Claims
Compliance-ready claims for schools, universities, and training centers statewide.
Religious & Nonprofit Property Claims
Faith-based and charitable property restoration claims with financial transparency.
Multi-Family & Apartment Complex Claims
Comprehensive recovery for large residential investment properties and managers.
Municipal & Government Building Claims
Audit-ready claims handling for counties, cities, and special districts.
Our Process
- Inspection & Documentation: Immediate site evaluation using photos, moisture mapping, and drone imagery.
- Policy Analysis: Review of all coverage sections including Ordinance & Law, Business Interruption, and Mold endorsements.
- Estimate Preparation: Comprehensive Xactimate line-item repair and replacement estimates.
- Negotiation: Carrier communication and enforcement of statutory timelines under §627.70131.
- Resolution: Settlement confirmation, supplemental submission, and final client reporting.
Statutory Compliance
All work performed by Public Loss Adjusters, LLC complies with §626.854 and §627.70131, Florida Statutes, ensuring that your insurer responds lawfully, fairly, and promptly. Supporting documentation and exhibits are maintained under separate cover and provided upon request.
Request a Commercial Claim Review
Talk to a Florida Public Adjuster
Public Loss Adjusters, LLC (License A161638). Statute-compliant representation under §626.854 and §627.70131, Florida Statutes.
PO Box 560404, Montverde, FL 34756 • 352-353-4556 • rmack@placlaim.com
Supporting documentation provided under separate cover upon request. Please confirm receipt in writing.