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.
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.
⏰ 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
If it would help to talk it through with someone local, see public adjusters in Central Florida.