Robert Mack · Licensed Florida Public Adjuster · Lic. #A161638 — in the insurance industry since 1991.
In a first-party property case, the number the case turns on is a claim valuation — not a legal argument
When you litigate a denied, underpaid, or delayed property claim, liability often comes down to a factual question a licensed public adjuster answers every day: what was the covered loss actually worth, and did the carrier’s adjustment meet policy terms and accepted industry standards? A public adjuster who values Florida property losses full-time can quantify the complete covered scope, benchmark the insurer’s estimate line by line, identify where the adjustment departed from standard practice, and explain it in plain terms to a judge or jury. That is exactly the gap we close.
⏰ Is your client’s claim still within Florida’s statutory windows?
Before you take on a first-party property matter, the timing can be decisive. Under Fla. Stat. 627.70132, a policyholder’s ability to reopen or supplement a claim runs from the date of loss — not from when the shortfall was discovered. A quick valuation review can tell you whether a claim is still actionable and what the carrier likely left unpaid.
The fastest way to confirm whether a prospective client’s claim is still actionable — and to get a defensible valuation of what the carrier left on the table — is to call (352) 353-4556.
Evaluating a case? — Call (352) 353-4556General information about Florida claim deadlines under Fla. Stat. 627.70132, not legal advice. Statutory windows can vary by claim and policy and run from the date of loss; your policy’s prompt-notice terms may be shorter — contact us to confirm specific deadlines.
Retain a licensed public adjuster as your insurance claim expert
For first-party property and bad-faith litigation, we provide independent claim valuation, scope analysis, written reports, and testimony — grounded in decades of adjusting Florida property losses. Send the basics and we will follow up to discuss scope, timing, and conflicts.
Related: denied claim disputes · property damage valuation · contact a licensed public adjuster