Serving Miami Property Owners

From Coral Gables to Aventura and Brickell to Coconut Grove, Miami homeowners and condo associations face an unrelenting mix of hurricane wind, storm surge, wind-driven rain, and high-rise plumbing losses. We help Miami property owners build airtight claims that South Florida carriers cannot dismiss.

Claim Types We Handle in Miami

Local exposure drives local strategy. These are the losses we see most often in Miami-Dade County.

Hurricane & Tropical Storm Damage

Miami sits at the front line of the Atlantic basin. Roof uplift, soffit failure, window and door breaches, and wind-driven rain intrusion are routinely undervalued by carrier field adjusters.

Condo & HOA Claims

Mid- and high-rise buildings in Brickell, Edgewater, and Sunny Isles bring layered coverage between the association master policy and HO-6 unit-owner policies. We coordinate both sides so nothing falls through the gap.

Plumbing & Water Losses

Older buildings in Coconut Grove and Coral Gables suffer cast-iron pipe failures and supply-line bursts. Sudden-and-accidental discharge claims are often denied as wear-and-tear without proper documentation.

Flood & Storm Surge

Coastal and low-lying neighborhoods including Miami Beach, Key Biscayne, and parts of South Miami face NFIP and private flood claims that require strict proof-of-loss timelines.

How We Work a Miami Claim

A documented, methodical process designed to maximize recovery under your policy.

Free On-Site Consultation

We meet you at the property in Miami, review your policy, and assess whether a claim is viable.

Full Damage Documentation

Photos, video, moisture readings, structural notes, and contents inventory — everything the carrier will demand.

Claim Preparation & Filing

We prepare the Xactimate estimate, proof of loss, and supporting reports under Florida claim statutes.

Carrier Negotiation

We respond to every reservation of rights, EUO request, and lowball estimate with documented counter-positions.

Settlement & Payout

We confirm proper application of deductibles, depreciation, and matching provisions before you accept payment.

Representative Results

Sample outcomes from claims we've handled across Florida — including Miami-Dade County.

Hurricane Damage

$12,400$78,200

Roof and interior water damage initially undervalued by the carrier. Re-inspection documented structural decking damage and code-upgrade entitlements.

Water / Plumbing

$0 (Denied)$41,500

Claim originally denied as wear-and-tear. Re-submitted with plumber's report and moisture mapping that established a sudden discharge event.

Fire & Smoke

$28,000$112,800

Carrier's estimate covered visible damage only. Full assessment captured smoke contamination, HVAC remediation, and contents loss.

Representative results. Every claim is unique; outcomes depend on policy language, documentation, and the specific facts of the loss.

Miami Claim FAQ

Do you serve all of Miami-Dade County?

Yes. We work claims throughout Miami-Dade County including Aventura, Brickell, Coconut Grove, Coral Gables, Doral, Edgewater, Key Biscayne, Kendall, Miami Beach, Miami Shores, North Miami, Pinecrest, South Miami, Sunny Isles Beach.

How much does a public adjuster cost in Miami?

We work on contingency — no upfront fee. Our percentage is regulated by Florida statute and is capped lower in declared catastrophe events.

My carrier already paid. Can you still help?

Often, yes. Florida law allows supplemental claims when additional damage is discovered or when the original payment did not capture the full scope of loss.

How long do I have to file a claim?

Florida statutes set strict deadlines that have shortened in recent years. Don't assume — call us and we'll confirm the deadline that applies to your loss.

Parlez-vous français?

Oui. We handle claims in both English and French for property owners and seasonal residents from Quebec, France, and French-speaking Caribbean nations.

Miami Public Insurance Adjuster