Eustis Public Adjuster — We Work for You, Not the Insurance Company
📞 Call Now — Free Claim Review352-353-4556Licensed FL Public Adjuster · Lic. #A161638 · No recovery, no fee
Storm, water, or fire damage in Eustis? The insurance company’s adjuster works for the insurance company. We work for you — documenting the loss, reading the policy, and negotiating for everything you’re owed. It costs nothing out of pocket to start.
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.
Eustis Is Old, and That Is the Whole Problem
Eustis is one of the oldest towns in Lake County — the historic homes around Ferran Park, the mid-century neighborhoods around them, the lakefront stock along Lake Eustis. Beautiful housing. And beautiful housing is where carriers do their most aggressive underpaying, because in a home that has stood for sixty or eighty years, every loss can be argued as age.
A pipe fails. Water gets into a wall. The carrier writes: pre-existing condition. A storm lifts shingles off a maintained roof. The carrier writes: wear and tear. The damage is real, it happened on a specific day, and the denial letter says otherwise. That argument has to be answered with documentation the carrier cannot wave away — that is what we do for a living.
The Losses We Handle in Eustis
- Water damage — the most underpaid loss in Florida, hardest fought in older construction
- Mold — what an underpaid water claim becomes six months later
- Roof, wind & hail — storm exposure across the Golden Triangle
- Fire & smoke — where contents valuation gets quietly gutted
- Lightning & storm — damage you cannot see is damage carriers do not want to pay for
Results Across the Golden Triangle
Leesburg · property claim, insolvent carrier. Settled — $50,000, signed release.
Mount Dora · property loss. Recovered — over $48,000.
Clermont · single-family home. Recovered — over $725,000.
Real settled claims across Lake County. Client identities protected.
📞 Talk to a Licensed Public Adjuster352-353-4556Licensed FL Public Adjuster · Lic. #A161638 · No recovery, no fee
Call Us Before You Call Your Insurer
How you describe your loss at the beginning can decide what it’s worth. In an older home the carrier is already looking for a reason to call it age instead of damage — and most homeowners hand them that reason without ever knowing they did.
Denied? A denial is a position, not a verdict. We re-document and work to reverse it.
Underpaid? We pursue what your policy actually owes.
Serving Eustis and the Golden Triangle.
Why Public Loss Adjusters
- Lake County local — Eustis, Mount Dora, Tavares, Leesburg. Our territory, not a line on a statewide map.
- 30+ years of claims experience (licensed 1992). Public Loss Adjusters, LLC has served Florida policyholders since 2019.
- We work for you, not the insurance company. Always.
- No recovery, no fee.
- Licensed and accountable — Florida Public Adjuster, Lic. #A161638.
352-353-4556Licensed FL Public Adjuster · Lic. #A161638 · No recovery, no fee
Claim help across Lake County
Lake County denied claim · Lake County underpaid claim · Lake County water damage claim · Lake County roof damage claim · Lake County hurricane damage claim