Ocoee 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
Hurricane, water, or storm damage in Ocoee? You are the only party in your claim without a professional on your side — unless you hire one. Public Loss Adjusters is a licensed Florida public adjusting firm representing Ocoee homeowners and businesses. 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.
Ocoee Sits in the Storm Corridor
Ocoee takes the hurricane and severe-storm exposure that runs across the middle of the state, and roof and water losses dominate here. Hurricane claims are where carriers push back hardest — because a hurricane deductible in Florida is a percentage of your dwelling value, not a flat dollar amount. Most homeowners have no idea how much that changes what they actually collect until the check arrives and it’s far smaller than they expected.
The older neighborhoods off Silver Star face maintenance-and-mold denials. The newer builds toward the 429 face “wear and tear” on nearly-new roofs. Both get less than the policy owes unless someone is pushing back.
The Losses We Handle in Ocoee
- Hurricane & wind — and the deductible math nobody explains to you
- Roof damage — the most-denied claim in the region
- Water damage — underpaid more than any other loss, because the real cost is behind the wall.
- Mold — the consequence of the first underpayment
- Fire & smoke — contents routinely undervalued
Results in Ocoee and West Orange
Ocoee homeowner · hurricane damage with water intrusion. Settled — approximately $28,000
signed carrier release.
Orlando-area property owner · litigated claim. Settled — $105,000.
Winter Park · water damage. Settled — $12,500 in new money, full and final.
Real settled claims. Client identities protected.
📞 Talk to a Licensed Public Adjuster352-353-4556Licensed FL Public Adjuster · Lic. #A161638 · No recovery, no fee
The Part Nobody Tells You
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. Before you call your insurance company — call us.
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 Ocoee and west Orange County.
Why Public Loss Adjusters
- Local to west Orange.
- 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 Orange County
Orange County denied claim · Orange County underpaid claim · Orange County water damage claim · Orange County roof damage claim · Orange County hurricane damage claim