Pine Hills 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, flood, water, or fire damage in Pine Hills? Your insurance company sent an adjuster to protect their number. Public Loss Adjusters is a licensed Florida public adjusting firm that works only for policyholders — and it costs you nothing out of pocket to have us look at your claim.
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 Pine Hills Claim Is Actually Worth
A Pine Hills property. Flood damage. Recovered: approximately $100,000.
The full replacement cost of the loss, documented and pursued — not the number the carrier opened with.
If your insurance company has told you what your damage is worth, understand what that number actually is: an opening position. It is what they would like to pay. It is not what your policy owes.
Why Pine Hills Claims Get Shortchanged
Pine Hills is largely older housing stock — homes built decades ago, many well-maintained, all old enough for a carrier to reach for the same three words on any claim: pre-existing, maintenance, wear and tear. A pipe fails, water gets into a wall in a house built in the sixties, and the carrier calls it a decades-old condition instead of the failure that happened last week. The damage is real. The denial is a position.
And there is a second thing nobody says out loud: Pine Hills homeowners are routinely underpaid because carriers expect no pushback. That expectation is worth money — to them. It costs nothing out of pocket to prove them wrong. No recovery, no fee.
The Losses We Handle in Pine Hills
- Flood & water damage — the most underpaid loss in Florida, because the real cost is behind the wall
- Roof, wind & storm — where “wear and tear” gets deployed against real damage
- Mold — what an underpaid water claim becomes six months later
- Fire & smoke — where contents valuation is quietly cut
- Hurricane — deductibles and exclusions applied at their most aggressive
More Orange County Results
Orlando-area property owner · litigated claim. Settled — $105,000. (Plus a separate residential settlement of $15,305.)
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
Denied Is Different From Underpaid — We Handle Both
If your claim was DENIED: the carrier took a position, and positions move. We re-document and work to reverse it.
If your claim was UNDERPAID: we find what the policy actually owes and pursue the difference.
Se habla español. Serving Pine Hills and Orange County.
Why Public Loss Adjusters
- A licensed Florida public adjusting firm — Lic. #A161638. Not a contractor. Not a call center. Not the insurance company’s adjuster.
- 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