Experienced Public Adjusters

What Experienced Public Adjusters does

Experienced Public Adjusters, LLC is a privately held, Florida-licensed public adjusting firm founded in 2017 by David Dwyer and headquartered in Orlando, with a second office in Naples. The company exclusively represents policyholders — not insurance carriers — in property insurance claims across Florida, with a stated statewide service footprint spanning Orlando, Naples, Tampa, Daytona Beach, Fort Myers, Sarasota, Palm Beach County, Broward County, and additional secondary markets. The firm holds Florida Public Adjusting Firm License #W807213, with David Dwyer (License W391016) and Staci Polites (License D011514) acting as licensed individual adjusters, supported by COO Allisa Dwyer and VP of Marketing Bob Gilmour.

The company's service catalog is organized around claim type, customer segment, and carrier type. Core offerings include a free Insurance Claim Review and full representation on new, delayed, underpaid, and denied claims, with specialized service lines for water damage, hurricane, fire and smoke, roof, mold, wind, plumbing leaks, lightning, electrical, hail, vandalism/theft, commercial property, business interruption, condominium/HOA, and luxury property claims. The firm operates dedicated verticals for Premium Carriers (Chubb Masterpiece, PURE Insurance, AIG Private Client, Lloyd's, USAA, Cincinnati Private Client, Travelers Private Client) and Florida standard carriers (Citizens, Universal Property, Heritage, American Integrity, Tower Hill, Florida Peninsula, State Farm, Frontline, Security First, Slide), plus an Appraisal and Mediation service for dispute escalation. Reported scale metrics include 3,000+ claims handled and $50M+ recovered for Florida policyholders, with documented case outcomes including a $380,000 Chubb settlement (316% over initial offer) and a 1,043% increase on a Hurricane Irma supplement.

The business model is contingency-based professional services: clients pay nothing upfront and the firm is compensated only on successful claim recovery. Customer acquisition is direct-to-consumer, driven by a 24/7 live-answer phone line (888-881-8416), a service-area-targeted website with localized SEO landing pages, organic social media presence across Facebook, Instagram, YouTube, LinkedIn, X, and Pinterest, and inbound referrals. Distribution is fully direct with no channel partners or resellers. The firm has no proprietary technology platform and no disclosed external funding; it is founder-owned and independently operated. BBB A+ accredited.

Name

Experienced Public Adjusters

Legal name

Experienced Public Adjusters, LLC

Website

https://experiencedpublicadjusters.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

1–10 employees

Short description

Experienced Public Adjusters is a Florida-licensed public adjusting firm that represents residential, commercial, luxury, and HOA policyholders against insurance carriers on contingency fees, handling new, delayed, underpaid, and denied property claims statewide from offices in Orlando and Naples.

Ownership category

akta.pro rank

Product category

Public Insurance Adjusting Services

NAICS

Claims Adjusting (524291), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYFSAOACAO

Catastrophe Claims & Loss Adjustment Services

Financial & Insurance/Reinsurance/Catastrophe Reinsurance

SECONDARYBPAAAFAE

Claims Adjudication & Rules/Edits Configuration Support

Business & Public Services/Administrative & Support Services (BPO, Call Centers, Back Office)/Claims Processing & Adjudication Support

Keywords

• Public insurance adjusting
• Property damage claims
• Insurance claim representation
• Commercial claim services
• Luxury property claims

Headquarters

HQ city

Orlando

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D

Revenue model

1. Contingency-Based Public Adjusting Services: The firm operates on a contingency basis — they only receive payment if the policyholder receives payment from the insurance company. This aligns interests with clients and eliminates upfront costs for policyholders. No specific fee percentage or structure is disclosed publicly.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels9 records

Core offering

Experienced Public Adjusters is a licensed Florida public adjusting firm that exclusively represents policyholders — not insurance companies — in property insurance claims. Services include free claim review, on-site damage documentation, policy review, repair-scope estimation, carrier negotiation, supplement pursuit, and appraisal/mediation support. The firm operates on a contingency basis with no upfront fees and covers residential, commercial, condominium/HOA, luxury, and premium-carrier claims statewide in Florida.

Product overview

Experienced Public Adjusters is a licensed Florida public adjusting firm offering professional services for property insurance claims. The company provides public adjusting representation exclusively for policyholders (not insurance companies), with services spanning new claims, delayed claims, underpaid claims, and denied claims across residential, commercial, and luxury property segments. Core offerings include the Public Adjusting Services for policyholder representation, the Insurance Claim Review service for free claim evaluation, and specialized claim handling for specific damage types (water, hurricane, fire, roof, mold, commercial, luxury property, business interruption, plumbing leaks, wind, lightning, electrical, hail, vandalism, and HOA/COA claims). Premium Carrier Claims service handles policies from Chubb Masterpiece, PURE Insurance, AIG Private Client, Lloyd's, USAA, Cincinnati Private Client, and Travelers Private Client. The Appraisal and Mediation service assists with claim disputes when negotiations are exhausted. All services operate on a contingency basis, with the company reporting 3,000+ claims handled and $50M+ recovered for policyholders.

Differentiator

Problem solved

Functional benefit

Products and services

• Public Adjusting Services

Quantifiable outcome

• $380,000 Chubb claim settlement — 316% increase over initial offer
• +2 more outcomes

Named customers12 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Donan: Donan is a nationwide forensic investigation and fire origin/cause firm frequently engaged in property insurance disputes, large-loss investigations, and litigation support. It is comparable to EPA as a property-claims service provider involved in complex property loss determinations, though Donan primarily serves insurers and attorneys rather than policyholders.
• Sedgwick: Sedgwick is the largest independent claims management and loss-adjusting firm globally, offering property, casualty, and specialty claims administration to insurers and corporations. It is comparable to EPA as a broad incumbent in claims/loss adjustment, though Sedgwick primarily serves carriers rather than policyholders directly.
• Crawford & Company: Crawford & Company is a global claims management and loss-adjusting firm providing property, casualty, and catastrophe claims services to insurance carriers. It competes with EPA in the property claims/loss-adjustment space but operates at far greater scale and primarily on the carrier side rather than policyholder side.
• All Risks, Ltd. All Risks is a national independent adjusting and claims management firm handling residential, commercial, and specialty property claims. It is comparable to EPA in property claims adjustment but operates at multi-state scale primarily on the carrier side.

Direct peers

• Wardlaw Claims Service: Wardlaw Claims Service is an independent adjusting firm handling residential and commercial property claims, including catastrophe response, on behalf of insurers. It is comparable to EPA in property claims adjustment services, though it works primarily on the carrier side rather than for policyholders.
• Adjusters International: Adjusters International is a national public adjusting firm representing policyholders on property insurance claims, including residential, commercial, and large-loss matters. It is the most directly comparable peer to EPA, operating the same policyholder-representation model with a similar contingency-fee structure.
• Pilot Catastrophe Services: Pilot Catastrophe Services is an independent adjusting firm specializing in catastrophe response (hurricanes, wildfires, storms) for insurance carriers. Its catastrophe-claims focus parallels EPA's hurricane and storm-damage specialization in Florida, making it a meaningful comparable in the catastrophe claims adjustment category.
• Eberl Claims Service: Eberl Claims Service is an independent insurance adjusting firm handling residential and commercial property claims across multiple states. While primarily an independent adjuster working for carriers, its property-claims expertise and footprint make it an adjacent comparable to EPA in the property claims adjustment category.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/Experiencedadj
• YouTubeyoutube.com/@DavidDwyerFL
• Facebookfacebook.com/experiencedpublicadjusters
• LinkedInlinkedin.com/in/daviddwyerexecutive
• Instagraminstagram.com/experiencedpublicadjusters
• Pinterestpinterest.com/experiencedpublicadjustersllc

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Experienced Public Adjusters