Winter Garden 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 Winter Garden? The insurance company’s adjuster works for the insurance company. I work for you. Public Loss Adjusters is a licensed Florida public adjusting firm operating in west Orange County — documenting your loss, reading your policy, and negotiating for everything you’re owed.
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.
Two Winter Gardens, Two Different Denials
Winter Garden runs from the historic brick streets and century-old homes downtown out through Horizon West and the master-planned communities pushing south. Those are two completely different claim conversations.
Downtown and the older neighborhoods: water and mold hide behind original walls, and carriers write those losses off as maintenance — as if the pipe that failed last week had been failing since 1940.
Horizon West and the newer builds: the carrier reaches for “wear and tear” on roofs barely a decade old, and “pre-existing damage” on homes that are practically new. Different houses. Same goal: pay you less than the policy owes.
West Orange Takes the Storm Corridor
Winter Garden sits in the path of the severe weather that runs up the I-4 corridor. When a system comes through, roof and water losses spike — and so do the denials, because that’s when carriers are managing the most files and looking hardest for a reason to say no.
The Losses I See Here
- Roof & wind damage — hurricane bands, straight-line wind, hail
- Water damage — underpaid more than any other loss, because the real cost is behind the wall.
- Mold — what an underpaid water claim becomes six months later
- Hurricane & catastrophe — where deductibles and exclusions are applied most aggressively
Results in West Orange
Orlando-area property owner · litigated claim. Settled — $105,000.
A separate residential claim for the same owner settled at $15,305.
Winter Park · water damage. Settled — $12,500, negotiated as new money, full and final.
Real settled claims across west Orange and the Orlando metro. Client identities protected.
📞 Talk to a Licensed Public Adjuster352-353-4556Licensed FL Public Adjuster · Lic. #A161638 · No recovery, no fee
Before You Call Your Insurer
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 me.
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
- Local to west Orange — not a statewide operation reaching in from the coast.
- 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 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