Leesburg 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
Property damage in Leesburg? Your insurance company sent an adjuster to protect their number. Public Loss Adjusters is a licensed Florida public adjusting firm working Lake County claims — representing you, never the carrier. It costs nothing out of pocket to have me look.
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.
What a Leesburg Claim Is Actually Worth
A Leesburg homeowner. Property loss. Their carrier went insolvent mid-claim. Settled: $50,000.
When a Florida carrier goes under, the claim doesn’t disappear — it moves to the Florida Insurance Guaranty Association, and most homeowners have no idea how to pursue it from there. I did. Signed release, fifty thousand dollars.
Whatever number your insurance company has put on your damage — that is an opening position, not the truth.
Leesburg Is an Older Town, and Carriers Know It
Leesburg sits on the Harris Chain, and much of its housing has stood for decades — the older neighborhoods near Main Street, the lakefront homes, the mid-century stock, plus newer growth toward 27 and the retirement communities.
Age is the carrier’s favorite argument. A supply line fails in a house built in 1962, water gets into a wall, and the insurer calls it a decades-old condition instead of the failure that happened last week. Pre-existing. Maintenance. Wear and tear. Leesburg also carries a large population of retirees on fixed incomes, and carriers know exactly what that means — deny it, lowball it, and the file usually closes quietly.
The Losses I Handle in Leesburg
- Water damage — the most underpaid loss in Florida, doubly contested in older construction
- Roof, wind & hail — storm exposure across the Chain
- Mold — what an underpaid water claim becomes six months later
- Fire & smoke — where contents valuation gets quietly gutted
- Hurricane & storm — deductibles and exclusions applied hardest
- Insolvent-carrier claims — when your insurer fails, the claim doesn’t. I’ve settled these.
More Lake County Results
Mount Dora homeowner · property loss. Recovered — over $48,000.
Clermont · single-family home, property loss. Recovered — over $725,000.
Real settled claims. Client identities protected.
📞 Talk to a Licensed Public Adjuster352-353-4556Licensed FL Public Adjuster · Lic. #A161638 · No recovery, no fee
Before You Call the Insurance Company
How you describe your loss at the start can decide what it ends up being worth — and in an older home that’s true twice over, because the carrier is already hunting for a reason to call it age instead of damage. Call me first.
Denied? A denial is a position, not a verdict. I re-document and work to reverse it.
Underpaid? I pursue what your policy actually owes.
Serving Leesburg and the Golden Triangle.
Why Public Loss Adjusters
- Lake County local. Leesburg, Mount Dora, Tavares, Eustis — my territory, not a line on a statewide service map.
- 30+ years of claims experience (licensed 1992). Public Loss Adjusters, LLC has served Florida policyholders since 2019.
- I 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