Already got paid — but it wasn’t enough?
Underpaid / under‑scoped claims & selective partial/wrongful denials statewide Florida.
- Your adjuster missed rooms or items?
- Depreciation not properly accounted for?
- Hidden damage (water, roof) overlooked?
🔍 No‑Cost File Review
Send these 3 items:
- 1) Carrier estimate / payment letter
- 2) Photos (then + now if possible)
- 3) Contractor/mitigation docs (if any)
What you get:
- Straight answer: worth pursuing or not
- What’s missing: scope/pricing/code/depreciation
- Next step: supplement / reopen / appraisal‑ready package
đź“© Email documents now
Is your claim underpaid?
- Under‑scoped rooms (bathrooms, kitchens)
- Missing trades: electrical, plumbing, HVAC
- Code upgrades (permits, 2023 codes)
- Overhead & profit (O&P) omitted
- Depreciation miscalculated or excessive
- Pricing below local rates
- Hidden water / roof intrusion not addressed
Our process
Why carriers underpay
Insurance companies use estimating software and pricing databases that may not reflect local construction costs. They often miss items like permit fees, code upgrades, or overhead and profit. Depreciation is sometimes miscalculated or applied incorrectly. Our job is to identify every item you’re entitled to — no more, no less.
Frequently asked questions
No‑cost file review
We’ll tell you if it’s worth pursuing—no pressure.
Get a Free Claim Review
Tell us what happened and a licensed public adjuster will review your claim — no cost, no obligation. We only get paid when you do.
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.
If the claim has already been denied, closed, or paid for less than the repair will cost, here is what to do when an insurance claim is denied or underpaid.