Robert Mack · Licensed Florida Public Adjuster · Lic. #A161638 — in the insurance industry since 1991.
Commercial Insurance Appraisal & Mediation in Florida
When the carrier won’t pay what the loss is worth, the policy gives you a way to force the issue
Most commercial policies contain an appraisal clause, and Florida offers DFS mediation — two paths to break a valuation deadlock without litigation. But invoking appraisal, selecting a qualified appraiser, and framing the disputed scope are technical decisions that shape the outcome, and the carrier’s appraiser will press every advantage. We evaluate whether appraisal or mediation is the right lever for your dispute, then manage the process end to end to recover what the policy owes. That is exactly the gap we close.
When a disagreement arises over the value of a commercial property loss, Florida law allows both sides to resolve the dispute through appraisal or, if necessary, mediation. Public Loss Adjusters, LLC helps policyholders navigate these processes professionally — ensuring your rights are protected and your claim is supported by clear documentation.
What Is Appraisal?
Appraisal is a contractual process that determines the amount of loss when the insurer and policyholder cannot agree. Each party selects an appraiser, and those appraisers select an impartial umpire. Together, they review all documentation and render a binding decision on value.
Under §626.854 and §627.70131, Florida Statutes, we act as your advocate throughout the process, ensuring all communications, estimates, and exhibits are properly presented.
When We Recommend Appraisal
- Carrier’s estimate omits major repairs or uses inaccurate pricing.
- There is no dispute about coverage, only about value.
- Negotiations have stalled and mediation would delay resolution.
- You need an enforceable, binding result without filing suit.
How the Appraisal Process Works
- Demand — We send a formal written demand citing your policy’s appraisal clause.
- Selection — Each side chooses a licensed, experienced appraiser.
- Exchange of Estimates — Both parties present documentation and repair scopes.
- Umpire Review — If appraisers cannot agree, the umpire issues a binding decision.
- Payment — The carrier must issue payment per the signed award.
When Mediation Is Appropriate
In some cases, mediation is faster and less formal than appraisal. The Florida Department of Financial Services (DFS) offers mediation to resolve disputes without litigation. It’s often used when coverage, rather than value, is in dispute. We guide you through this process and coordinate with DFS-approved mediators to ensure proper documentation and representation.
Appraisal vs. Mediation — Quick Comparison
| Process | Purpose | Outcome |
|---|---|---|
| Appraisal | Determines value of loss | Binding award on amount owed |
| Mediation | Resolves disagreements about coverage or liability | Non-binding agreement or settlement |
⏰ Underpaid or closed out on a past commercial claim? Florida law may still give you a window.
Separate from the §627.70131 response deadlines, Fla. Stat. 627.70132 gives a policyholder a running window to reopen or supplement a property claim. The clock starts on the date of loss, not the day you discover the shortfall — so on older hurricane and water losses you may have far less time than you think.
Your policy’s own notice terms can be shorter, and every claim is different. Whether a past loss can still be reopened — and what the carrier left unpaid — is exactly what we assess. Call (352) 353-4556.
General information about Florida claim deadlines under Fla. Stat. 627.70132, not legal advice. Windows run from the date of loss and vary by claim and policy; your policy’s prompt-notice terms may be shorter — contact us to confirm specific deadlines.
Frequently Asked Questions
Who pays for the appraisal process?
Each party pays its own appraiser, and both share the umpire’s fee equally. These costs are usually much lower than litigation expenses.
How long does appraisal take?
Most commercial appraisals conclude within 30–90 days depending on property size and complexity. Mediation sessions are usually completed in one day.
Can appraisal be denied by the insurer?
Some policies require both parties to agree before invoking appraisal. If the carrier refuses, we pursue DFS mediation or other statutory remedies.
Do I need a lawyer for appraisal?
No. Appraisal is a contractual valuation process, not a legal proceeding. A public adjuster may represent you under §626.854.
What happens if mediation fails?
If mediation does not result in agreement, other remedies such as appraisal or litigation may be pursued. We guide you through the next step immediately.
All commercial property damage · Hotel & hospitality · Office · Multi-family · Condo/HOA · Business interruption · Water · Fire · Appraisal & mediation
Notice: This page provides general information for Florida policyholders and does not constitute legal advice. Public Loss Adjusters, LLC, License A161638. Consistent with §626.854 and timelines under §627.70131, Florida Statutes. Supporting documentation and exhibits are provided under separate cover upon request. Please confirm receipt in writing.
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.
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