Mount Dora 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
Damage to your Mount Dora home? The carrier’s adjuster is paid to value your loss low. I are paid only when you recover. Public Loss Adjusters is a licensed Florida public adjusting firm working Lake County claims — representing you, never the insurance company.
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.
Mount Dora’s Age Is the Carrier’s Favorite Argument
Mount Dora is one of the oldest towns in Lake County, and the housing shows it — the historic homes around Donnelly Street, the mid-century construction through the surrounding neighborhoods, then newer growth toward 441 and Sorrento.
Old houses are where carriers do their most aggressive underpaying, because every loss can be argued as age. A supply line fails in a home built in 1955, water gets into the wall, and the carrier calls it a decades-old condition instead of the pipe that burst last Tuesday. Pre-existing. Maintenance. Wear and tear. Three words that turn a covered loss into a denial letter. That is an argument I make for a living — with documentation the carrier cannot wave away.
Results in Mount Dora and the Golden Triangle
Mount Dora homeowner · property loss. Recovered — over $48,000.
Leesburg homeowner · property claim, insolvent carrier. Settled — $50,000, signed release.
Real settled claims across the Golden Triangle. Client identities protected.
📞 Speak to a Licensed Public Adjuster352-353-4556Licensed FL Public Adjuster · Lic. #A161638 · No recovery, no fee
The Losses I Handle Here
- Water damage — underpaid more than any other loss, because the real cost is behind the wall.
- Roof, wind & hail — storm exposure across the Triangle
- Mold — what a shortchanged water claim becomes six months later
- Fire & smoke — contents valuation routinely undercut
- Lightning & storm — damage that isn’t visible is damage carriers don’t want to pay for
Before You Call the Insurance Company
How a loss is described at the very start can decide what it ends up being worth. There is a right way and a costly way, and most homeowners learn the difference only after it is already on the record with the carrier. In an older home that’s true twice over, because the carrier is already looking 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.
Why Public Loss Adjusters
- Lake County local — Mount Dora, Tavares, Eustis, Leesburg and the Golden Triangle are 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