Public Adjuster in Miami, Florida

Whatever caused the loss at your Miami property, we document it correctly the first time and present a claim the insurer can't lowball.

Miami's housing mix is extreme: glass condo towers in Brickell and Edgewater, 1920s-40s bungalows in Little Havana and Coconut Grove, and everything between. That mix drives very different claims - condo owners fight over what the association's master policy covers versus their own HO-6, while owners of older homes see cast-iron pipe failures, roof leaks and code-upgrade costs the carrier tries to leave out of the estimate.

Storm surge and rain-driven flooding are a constant in low-lying neighborhoods near the Miami River and Biscayne Bay. After a named storm, carriers routinely split coverage between wind (your homeowner policy) and flood (NFIP or private flood) - and each side points at the other. We document the cause of loss precisely so your claim doesn't die in that gap.

My condo association says the damage is my responsibility. Is it?

Not necessarily. In Florida, the association's master policy generally covers the building as originally built, including drywall, while your HO-6 covers your interior finishes and personal property. Carriers and associations often draw that line in the wrong place. We read both policies and the declaration to put the claim where it belongs.

My Miami home was built before 1960. Does that hurt my claim?

Older homes often need code upgrades during repair (electrical, plumbing, roof attachment). If your policy includes ordinance or law coverage, those costs are claimable - but adjusters frequently omit them. We include them line by line.

The insurer says my water damage is "wear and tear." Now what?

Sudden pipe failures are covered under most policies even when the pipe was old; gradual leaks are treated differently. The difference is in how the loss is documented. We bring in the right evidence - plumber reports, moisture mapping, photos - before the carrier locks in its story.