Orange County Public Adjuster

Orange County is the center of the Orlando metro, fifty miles from either coast, and its defining insurance problem is freshwater. The county is built across a landscape of lakes, wetlands and sandy ridges, and when a slow tropical system parks over it, water rises into neighborhoods that have never mapped as flood risk and whose owners have never carried flood coverage.

When disaster strikes in Orange County, the insurance company’s adjuster works for the insurance company. Adjusterman works only for you: a Florida-licensed public adjusting firm (FL DFS License #P151443) representing property owners throughout Orange County and the wider Central Florida.

Orlando proved during Hurricane Ian that inland Central Florida floods too, catastrophic, widespread, and heavily disputed by carriers who expected coastal-only losses.

Hurricane and storm history in Orange County

Hurricane Charley crossed directly over Orlando on August 13, 2004, still at hurricane strength after landfall in Charlotte County. Hurricane Irma brought sustained tropical-storm to hurricane-force wind and widespread flooding in September 2017. Hurricane Ian produced the county’s worst flooding on record on September 28 and 29, 2022, submerging Orlo Vista, the Lake Conway area and stretches of the Little Econlockhatchee, and forcing water rescues in neighborhoods that had never flooded before.

Storms and losses we handle in Orange County

Orange County property owners most commonly face Hurricane Ian inland flooding (2022), wind damage, roof leaks and water intrusion. Whatever your loss, we document it in full with FAA-licensed drones, thermal imaging, and 3D capture, and negotiate the settlement you’re owed.

• Hurricane Claims in Orange County
• Fire Claims in Orange County
• Water Damage Claims in Orange County
• Mold Claims in Orange County
• Business Interruption in Orange County
• Commercial Claims in Orange County
• Large Loss Claims ($1M+) in Orange County
• Condo & Association Claims in Orange County

How Orange County is built, and why it changes your claim

Orange County housing runs from 1920s brick streets in Winter Park and College Park through vast 1970s and 1980s subdivisions to newer production homes in Horizon West. The metro also holds a very large short-term rental and vacation-home inventory near the attractions, which introduces business interruption and loss-of-rents questions that a standard residential claim never raises.

What carriers argue in Orange County

Ian taught Orange County the difference between a homeowners policy and a flood policy, and it was an expensive lesson. Where water entered through a wind-damaged roof rather than across the ground, the loss is a covered homeowners claim, and that distinction was frequently never examined because the whole event got labeled as flooding.

Why Orange County property owners choose Adjusterman

A lowball offer or a wrongful denial costs Orange County owners real money. We level the field: an independent, professional scope of your loss, aggressive negotiation with the carrier, and no fee unless we recover for you. New claim, underpaid claim, or denial: it’s rarely too late for a second, independent look.

Cities we serve in Orange County

Other Orange County communities we cover

Our Orange County coverage is not limited to the cities above. We inspect and document losses in Ocoee, Winter Garden, Maitland, Windermere, Belle Isle, Eatonville, Edgewood, Oakland, Bay Lake, Lake Buena Vista, Pine Hills, Doctor Phillips, Union Park, Azalea Park, and Hunters Creek as well, and anywhere else in the county. Wherever your property is, we come to you.

Orange County claim questions