BEST PUBLIC ADJUSTER · BOCA RATON

Best Public Adjuster in Boca Raton: The 10-Point Test

About 36.7% of Boca Raton's housing units are in buildings with 20 or more units, and the city has run its own building recertification ordinance since 2021. Building type shapes every claim here. Before hiring, check any adjuster you meet against the 10 tests.

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What Makes a Boca Raton Claim Different

Recertification under Ordinance 5589

Boca Raton adopted Ordinance No. 5589 on August 24, 2021, creating a recertification program for condo and co-op buildings three or more stories or 50 feet tall. Those inspection records document a building's condition at a point in time. After a storm, they can help show what was sound before the loss, and an insurer may also rely on them. Both sides read them closely.

Master policy and HO-6 in a high-rise city

About 18,043 Boca Raton housing units, or 36.7%, are in buildings with 20 or more units, per 2020-2024 Census estimates. In a tower claim, the association's master policy and each owner's HO-6 cover different parts of the same unit. The condo documents decide where the line falls for walls, cabinets and flooring. Getting that line right comes before any pricing.

Single-family homes from the 1980s

Boca Raton's median year built is 1983, and about 65.7% of occupied homes are owner-occupied, per 2020-2024 Census estimates. A house from that decade may need roof, window or electrical upgrades once repairs require a permit. Ordinance or law coverage pays for those upgrades only if the policy includes it. FEMA NFIP claim records also show about 57 flood claims here during Irma in 2017.

Boca Raton by the Numbers

Topic	Fact	Source
Units in 20+ unit buildings	About 36.7% of Boca Raton housing units, 18,043 units, are in buildings with 20 or more units (ACS 2020-2024).	U.S. Census Bureau, ACS 2020-2024
Median year built	The median year built for Boca Raton housing is 1983 (ACS 2020-2024).	U.S. Census Bureau, ACS 2020-2024
Owner-occupied homes	About 65.7% of occupied housing units in Boca Raton are owner-occupied (ACS 2020-2024).	U.S. Census Bureau, ACS 2020-2024
Building recertification	Boca Raton adopted Ordinance No. 5589 on August 24, 2021, requiring recertification of condo and co-op buildings three or more stories or 50 feet tall.	City of Boca Raton
Flood insurance rating	Boca Raton holds Community Rating System Class 5, effective April 1, 2025, a 25% discount in high-risk flood zones (as of 2026).	FEMA NFIP Community Status Book
Current flood map	Boca Raton's currently effective FEMA flood insurance rate map is dated December 20, 2024 (as of 2026).	FEMA NFIP Community Status Book
Irma flood claims	FEMA NFIP claim records show about 57 Boca Raton flood claims with losses dated September 9 to 12, 2017 (data as of September 2026).	FEMA OpenFEMA NFIP claims, Homeland tally

Questions to Ask Any Public Adjuster About a Boca Raton Claim

Will you read our recertification report before writing the estimate? Boca Raton's Ordinance 5589 covers condo and co-op buildings three or more stories or 50 feet tall. Those reports describe the building before a loss and can support or complicate a claim.
How do you decide what the master policy covers versus my HO-6? About 36.7% of Boca Raton housing units are in buildings with 20 or more units. The condo documents set the dividing line, and mistakes there can leave items unclaimed.
Does my 1980s house have ordinance or law coverage? Boca Raton's median home was built in 1983. Permit-driven upgrades are common on homes that age, and they are paid only when the policy carries that coverage.

The 10-Point Test, and How Homeland Answers

Licensed, and you can check itFlorida agency license W818638. New Jersey firm license 3003982360.
A track record you can verifyRepresenting property owners since 2006. Meet the licensed team.
Real reviews from real clients5.0-star Google rating. Results and reviews.
A written contract, with the fee in itWritten contract every time, within the legal limits. No Recovery, No Fee.
Your right to cancel, explained up frontWe walk you through the cancellation notice before you sign.
A written estimate, on timeLine-item Xactimate estimates written in-house by our estimator. Nelson Avila is also a Florida Certified Residential Contractor and a property insurance appraiser and umpire.
You choose who repairs your homeYour repairs, your contractor. We handle the claim.
No paid referrals, no giftsWe follow both rules. You hire us on the merits.
Someone you can reach, in your language24/7, in English and Spanish.
Experience with your kind of claimHomes, condos, condo and HOA associations, and businesses, in Florida and New Jersey. Member of FAPIA, and a Business Partner member of the Community Associations Institute (CAI), Southeast Florida Chapter.

The Florida law behind each test, with the subsection, is on our Florida 10-point test page. Warning signs and common online claims are answered in Public Adjuster Myths vs. Florida Law. Hiring a public adjuster is always optional.

Boca Raton Questions

Does Boca Raton's recertification program affect my condo's storm claim?

It can. Under Ordinance No. 5589, adopted August 24, 2021, condo and co-op buildings three or more stories or 50 feet tall go through recertification. Those records show the building's condition before a storm. They can help prove damage is new, and an insurer may cite them too. Call Homeland first, and we can review them with your policies.

My Boca Raton unit had water damage from the unit above. Who pays?

It depends on the source of the water and on the condo documents. The association's master policy, your HO-6 and sometimes the upstairs owner's policy can each play a part. With about 18,043 Boca Raton units in buildings of 20 or more units, these overlaps come up often. Homeland writes the line-item Xactimate estimate in-house and answers 24/7 in English and Spanish.

Is flood a concern for Boca Raton homes away from the beach?

It can be. FEMA NFIP claim records show about 57 flood claims in Boca Raton during Irma in September 2017. The city's current FEMA flood map is dated December 20, 2024, and its Class 5 rating gives NFIP policies a 25% discount in high-risk zones. Homeowners policies exclude flood, so rising water needs a separate flood policy.

How much does a public adjuster charge in Florida?

Florida caps the fee at 20% of claim payments, and at 10% for claims from a declared state of emergency during the first year after the declaration (Fla. Stat. §626.854(11)(b)). The fee must be in a written contract.

Homeland works from its office in Miami Lakes and comes to your property. Call (561) 473-3777, 24/7. Local page: Public Adjuster in Boca Raton, FL.

Nearby: Palm Beach County · West Palm Beach

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