What is a Public Adjuster?

A public adjuster is a professional claims handler who advocates for the policyholder in appraising and negotiating a claimant’s insurance claim. Aside from attorneys and the broker of record, public adjusters licensed by state departments of insurance are the only type of claims adjuster that can legally represent the rights of an insured during an insurance claim process. A public adjuster will be most beneficial when it is clear that the insurer will pay the claim and the only issue is the proper identification and valuation of the loss. Most public adjusters charge a percentage of the settlement. Primarily they appraise the damage, prepare an estimate and other claim documentation, read the policy of insurance to determine coverage’s, and negotiate with the insurance company’s claims handler.

Who Does a Public Adjuster Work For?

A public insurance adjuster is a professional property loss claims handler/adjuster who works on behalf of a policyholder in evaluating and negotiating the insurance claim of a claimant. Businesses and individual’s homeowners hire public insurance adjusters when they need help in properly filing a new claim or when they feel that the insurance company is underpaying or denying a claim.
Why You Need a Public Insurance Adjuster for an Insurance Claim
You have to comprehend that fire can cause immense damage to your property and can be an emotionally traumatic experience for a family or you the insured. To ensure that your insurance company gives you an equitable settlement, you need to acquire the assistance of a qualified, professional and experienced public insurance adjuster.
Here are few of the main reasons why it is important to hire an Experienced Public Adjuster rather than filing a claim without taking any assistance:

They have Knowledge of Insurance Policies

Public adjusters are equipped with the knowledge, ability to understand the language, and details of insurance policies. And they know how to file and adjust claims to maximize a settlement. They are not only more experienced than an average policyholder, they have all the expertise in properly estimating the costs incurred from wind and hurricane damage.

They Work Until the Whole Claims Process is Completed

Public adjusters know how to address all issues and aspects related to the fire damage to your property. They work with you through the complex process and ensure that you get an equitable settlement. A public adjuster gets you the best settlement by exploring each and every aspect of your property loss and the coverages that should be awarded to you through what’s available within the language of your policy.

They Do All the Heavy Work for You

The whole process of meeting with the insurance company’s adjusters and experts, collecting documentation and photos, reviewing reports and protocols, estimating damages, negotiating a fair settlement for the value of home and personal property content can be exhausting. A public adjuster not only ensures that everything is handled in a satisfactory manner, they may take the assistance of building structural consultants, engineers, water damage restoration consultants, mold hygienists, and content examiners to fully prepare your complicated claim.

They are Good Negotiators

Your insurance company’s adjuster might not accurately identify and investigate various potential issues such as structural damage repair, proper fire and smoke restoration, mold remediation, the use of proper cleaning chemicals and deodorization, or soot removal. The insurance company will often not pay you fairly or at all for personal content that is not salvageable or able to be brought back to pre-loss condition. This can result in less than a satisfactory settlement for you. Insurance companies never voluntarily pay more than an amount claimed. It can be said that insurance companies fear public adjusters and it is all because they know how much a public adjuster is an expert and is committed to helping his/her client get the best settlement amount.

At Experienced Public Adjusters, we have the most qualified and Experienced Public Insurance Adjusters. It can be said with absolute confidence that we will serve your best interest and assist you in collecting the highest settlement amount possible. Our process of working is quite straightforward: our public adjusters review your policy, evaluates your damages, make proper adjustments to your claim, providing you ongoing feedback of your claim status, and maximize your settlement by using all our experience. We can provide an Orlando Public Adjuster to any claim in the State of Florida.

A public adjuster is a representative of the policyholder who advises, manages, and submits a claim to the policyholder’s insurance company.

Call an Experienced Public Adjuster today for a free claim review. 407 212-8669


  • Fabby Pidor 5 Star Google Review
    “It was a good customer experience for me & my wife. David helped us all the way with our insurance claim. Very professional, knows the ins & out of the business. We are very thankful to have found him. Have recommended him to friends & will surely keep his contact number for future references.” Fabby Pidor
  • 5 Star Review Stella Kirkpatrick Original Payments $23,754.32 Final Settlement $197,451.53
    There are up to five star google reviews on this page to describe the service by Experienced Public Adjusters and Mr. David Dwyer. I would give David Dwyer and his company, Experienced Public Adjusters a hundred stars. I saw the need to hire a Public Adjuster, after seven months of struggling with my insurance company trying to have them comply with their obligations and responsibilities in accordance with the contract regarding my home policy. I contacted several companies and I immediately realized David Dwyer and his company is what I...
  • There is a time for everything under the sun.
    This celebration is truy from alone. Continuing to keep you and the business in my prayers!! Just wanted to take a moment to say how thankful to God I am for the blessing you have been to us. If it wasnt for you and your team we would have never had the house taken care of properly, Thank you! Amperell Williams & Family
  • Thank You Again, “God Continue To Bless You”
    “Dear Mr. Dwyer, David” 06/15/2019 Than you so very much for all the help you have given. I don’t believe we would ever get this roof fixed if it wasn’t for you and your helpers. We really appreciate it. Thank you again and God continue to bless you and use you to help others. Thanks Again, Harry & Susan Hewitt, P.S. Keep us in your prayers and We’ll keep you in ours.
  • 08-07-2019 Thank You!
    “Just two little words but they say it all!” Your expertise in your area is unparalleled. I’m just writing to say thanks for your great service. Best Regards, R. S.
  • I can’t say I am the most religious guy in the World but someone up there was looking out for my family when my wife decided to call your PA firm from a Google search
    Dear Mr. Dwyer: I can’t say I am the most religious guy in the World but someone up there was looking out for my family when my wife decided to call your PA firm from a Google search. You put us in touch with all of the right people to fight our claim with our insurance company and, with your guidance, those right people helped us resolve the claim. So, now you have an Irishman in your debt (which is a really good Ace in the hole). Seriously, I don’t...
  • Client Testimonial over 1,000% increase!
    I hired David Dwyer to help me with my insurance claim and I am so happy I did. My insurance company wanted to settle on a smaller amount but David fought for me and we won! My house is beautiful, thanks to David! Desiree C.
  • 5 Star Yelp Review
    David is by far the best public adjuster in the State of Florida. If you want a professional who will make you  feel 100% confident that your claim will be handled correctly and one who treats his clients with the utmost respect, call David. I was extremely happy with the way he handled my claim from the time I called him with the issue until it settled. He is nothing but honest – so expect nothing less. Stacy G.
  • 5 Star Google Review
    I have personally worked side by side with David through many water damage claims. He is an expert in his field, and a real professional. Genesis B.
  • 5 Star Google Review
    A reputable and hard working Public Adjuster. Will fight for what you are owed! Attorney Louis G.
  • 5 Star Google Review
    Very professional and personal always explain everything and breaks it down. Deter W.
  • 5 Star Google Review
    David is hardworking, courageous, and brave which are all things needed when fighting on someones behalf. He works at any hour and is always willing to go the extra mile. Attorney C. Jones
  • 5 Star Google Review
    Professional, knowledgeable, and relentless in pursuit of his client’s interests. Highly recommended. Attorney Carlos Arias
  • 5 Star Google Review
    David is an extremely dedicated public adjuster who goes above and beyond for his clients! Hilda P.
  • 5 Star Google Review
    I have dealt with many public adjusters over the years. I have never had one care as much about their homeowners as David does. He goes above and beyond. I highly recommend him. Business Owner Brian C.