Underpaid Commercial Claim? We Fight for the Full Payout.
Whether your loss is “small” or multi-floor, Public Loss Adjusters, LLC reviews your commercial property claim, explains your options, and helps pursue the full amount owed under Florida law — with no recovery, no fee.
From single-tenant retail spaces to hotels, warehouses, HOAs, medical and municipal properties.
We re-evaluate what the carrier has done and what’s realistically still on the table.
Representation under §626.854 & §627.70131, Florida Statutes.
Our compensation is tied to claim proceeds — not your operating cash.
Start Your Commercial Claim Review
Share a few details about your building and the loss. A licensed Florida Public Adjuster will review the claim and follow up with you directly — no sales pressure, no obligation.
Privacy: Your information is used only to review your claim and contact you. Public Loss Adjusters, LLC represents policyholders under §626.854 and §627.70131, Florida Statutes. Supporting documentation is maintained under separate cover and provided upon request.
Who This Page Is For
From “Is This Even Worth a Claim?” to Multi-Million Dollar Losses
If you own, manage, or represent commercial property in Florida and you’re not confident in the carrier’s handling of your claim, this is your lane.
- ✔ Small commercial losses – localized water damage, AC leaks, limited mold, or partial roof issues that “don’t look big” to the carrier but impact your cash flow.
- ✔ Large and complex claims – fires, hurricanes, building envelope failures, and multi-unit water or mold events.
- ✔ Underpaid or stalled claims – you received an offer, but it doesn’t come close to real repair or replacement costs.
- ✔ Claims with business interruption or loss of rents – restaurants, retail, hotels, warehouses, multi-family, and more.
Not Sure If Your Claim Is “Big Enough”?
Don’t self-adjust for the carrier. Many of the worst commercial outcomes start with a “small” loss the insurer underestimates.
- ✔We confirm if the offer is realistic or light.
- ✔We check whether timelines still allow you to fight.
- ✔We outline options before you jump to litigation.
There is no cost or obligation just to have us review what the carrier has done so far.
Why Public Loss Adjusters
Construction-Level Detail. Statute-Driven Strategy.
What to Expect
A Calm, Structured Process Built Around Facts
Most owners feel rushed or out-gunned as soon as the carrier starts driving the timeline. We slow it down, document correctly, and give you a written plan.
- 1. Free claim review. You complete the short form and share any letters, estimates, or photos you have.
- 2. Policy & damage analysis. We compare policy language, damage, and carrier scope against real repair costs.
- 3. Options explained in plain English. You get a clear explanation of where you stand and what can be done.
- 4. Representation & documentation. If you move forward, we step in as your public adjuster and handle communication.
- 5. Resolution. We push toward correct valuation via negotiation, appraisal, or other policy-driven remedies.
Statutory Compliance
All work performed by Public Loss Adjusters, LLC is designed to comply with:
- ✔ §626.854, Florida Statutes – Public adjuster authority & limitations
- ✔ §627.70131, Florida Statutes – Claims handling and response timelines
Supporting documentation, inspection photos, reports, and estimates are maintained under separate cover and can be provided upon request or to your other advisors.
Common Commercial Losses
Types of Commercial Property Damage Claims We Handle
These are examples, not limits. If your building or business operations are impacted, we can likely assist.
Fire & Smoke
Structural, contents, and odor remediation for offices, warehouses, hotels, and mixed-use buildings.
Including HOA and condo common areas.Water, Roof, & Plumbing Leaks
From single-unit leaks to multi-story water migration, including sprinklers and roof failures.
Among the most commonly underpaid claims.Mold & Indoor Air Quality
Maximizing limited mold coverage with proper documentation and realistic repair scope.
We coordinate with appropriate remediation professionals.Hurricane & Windstorm
Roof, envelope, window/door, and water penetration claims with complex deductibles.
Ordinance & Law coverage often overlooked.Business Interruption & Loss of Rents
Lost income, payroll, and continuing expenses when a covered loss stops or slows operations.
Requires tight documentation and support.HOA, Condo & Multi-Family
Coordinating master policies, unit interests, and common areas for associations and investors.
Designed to reduce conflict between owners, boards, and carriers.Questions Owners Ask
Questions we get about commercial property damage, generally claims
How do we know whether our offer is actually low?
You usually cannot tell from the offer itself, which is the difficulty. What tells you is the scope behind it — what it agreed to include and what it quietly left out. That is worth a phone call before it is settled: 352-353-4556.
We have never used a public adjuster. What actually happens?
We look at the policy you hold and the loss you actually had, and tell you whether there is anything worth pursuing. If there is not, we say so. Call 352-353-4556 and we will tell you.
The insurer’s adjuster has already been out. Is it too late to get help?
Usually not, and this is the most common reason people wait too long. An adjuster having visited is not the same as the loss having been fully described, and what was written down that day tends to become the version of events everyone argues from afterwards. Whether anything can still be done depends on your policy and where the claim has got to. Call 352-353-4556 and we will tell you.
Our contractor’s number and the insurer’s number are a long way apart. Which one is right?
Neither, on its own. They are answers to two different questions, priced off different assumptions, and the gap between them is not usually about arithmetic. Working out which parts of that gap are arguable is the job, and it is not something to guess at from a spreadsheet. One call is how you find out: 352-353-4556.
What does this cost us?
The review costs nothing and carries no obligation. If we take the claim, the fee is a percentage of the claim payment and is capped by Fla. Stat. 626.854 — 20% ordinarily, and 10% for a claim arising from a declared state of emergency within the first year. No recovery, no fee. Call 352-353-4556 and we will tell you.
Revisión de Reclamos Comerciales en Florida
Si usted prefiere hablar en español, podemos revisar su reclamo comercial y explicarle sus opciones en un lenguaje claro y directo.
- ✔ Revisión gratuita de su reclamo – daño por agua, fuego, moho, huracán u otras pérdidas comerciales.
- ✔ Ayuda con reclamos nuevos o subpagados – si la aseguradora ya hizo una oferta, podemos revisarla.
- ✔ Sin recuperación adicional, sin honorarios bajo nuestro acuerdo estándar.
Complete el formulario de revisión de reclamo y anote que prefiere comunicación en español. Nosotros le contactaremos para revisar su situación.
Pasos Siguientes
- 1.Llene el formulario de revisión de reclamo arriba.
- 2.Indique que desea hablar en español.
- 3.Revisamos el reclamo y le explicamos sus opciones.
Ready for a Straight Answer on Your Commercial Claim?
Send us the details once. We’ll review the damage, the policy, and the carrier’s actions — and tell you what is realistically on the table.
Request a Free Commercial Claim Review
Tell us about the loss and a licensed public adjuster will review your commercial claim — no cost, no obligation. We represent property owners, boards and managers, not the carrier, and we are paid only on what we recover.
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.
This sits within our work on commercial property damage claims in Florida.