Public Adjuster in Pembroke Pines, Florida

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

Pembroke Pines exploded in the 1990s - Chapel Trail, Silver Lakes, Pembroke Falls - and those communities' original tile and shingle roofs are now at the age where every storm claim triggers the same carrier response: "that's an old roof." Post-2022 Florida law changed roof-claim dynamics, but a storm-created opening remains covered, and age is not a lawful reason to deny new storm damage.

The city's western edge borders the Everglades, and heavy-rain flooding around Chapel Trail is a known pattern. HOA architectural rules also constrain repair choices (matching tile profiles and colors), which raises legitimate repair costs beyond carrier software estimates - costs we make sure appear in the claim.

My insurer offered to pay for repair but my roofer says the roof needs replacement. Who wins?

If matching materials are unavailable or repairs can't restore a uniform appearance required by your HOA, replacement of a larger section - sometimes the full slope or roof - may be owed. We document material availability and HOA requirements to prove it.

My HOA requires specific tile colors that cost more. Does insurance pay the difference?

Legitimate community architectural requirements are part of the real cost of repair and belong in the settlement. We include the HOA specs in the claim file.

I never filed after the last hurricane but now see interior stains. Too late?

Florida's current deadline for filing a new hurricane claim is one year from the date of loss (with a shorter window for supplemental claims). If you're inside the window, act now - we inspect, date the damage, and file before the bar drops.