BEST PUBLIC ADJUSTER · BROWARD COUNTY

Best Public Adjuster in Broward County: The 10-Point Test

Broward County has 866,019 housing units, and FEMA places 123,414 residential structures inside its high-risk flood zone. Wind, flood and condo claims here each follow their own rules. Before you sign with anyone, check any adjuster against the 10 tests.

Licensed in Florida (W818638) and New Jersey (3003982360)
Representing property owners since 2006
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No Recovery, No Fee
24/7, in English and Spanish

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What Makes a Broward County Claim Different

Hurricane-zone code meets older homes

The Florida Building Code defines its High Velocity Hurricane Zone by naming Broward and Miami-Dade counties. Census estimates for 2020-2024 put Broward's median year built at 1980, so half of the county's homes are that old or older. When storm repairs reach an older roof, windows or framing, current code can require work the house never had. Ordinance or law coverage pays for that added work only if your policy includes it.

Towers, master policies and 25-year inspections

About 28.8% of Broward's housing units, or 249,452 units, sit in buildings with 20 or more units, per 2020-2024 Census estimates. In those buildings the association's master policy and each owner's HO-6 policy cover different parts of the same loss. Broward's Building Safety Inspection Program also requires structural and electrical inspections at 25 years, then every 10 years. Those reports describe the building before a storm, and they can matter in a claim.

Flood is a separate claim

FEMA counts 123,414 of Broward's 652,397 residential structures in the Special Flood Hazard Area, with 125,204 residential NFIP contracts in force as of August 2026. A homeowners policy excludes flood, so rising water is claimed under a separate flood policy. FEMA also declared DR-4709 after the April 12, 2023 storms and flooding here. When wind and water hit the same home, each policy pays only its own share.

Broward County by the Numbers

Topic	Fact	Source
Median year built	The median year built for Broward County housing is 1980 (ACS 2020-2024).	U.S. Census Bureau, ACS 2020-2024
Units in 20+ unit buildings	About 28.8% of Broward housing units, 249,452 units, are in buildings with 20 or more units (ACS 2020-2024).	U.S. Census Bureau, ACS 2020-2024
Homes in flood zone	FEMA counts 123,414 of 652,397 Broward residential structures in the Special Flood Hazard Area (as of August 2026).	FEMA NFIP Residential Penetration Rates
Major disasters since 2017	FEMA major disaster declarations covered Broward for Irma (2017), Dorian (2019), Ian and Nicole (2022), April 2023 flooding and Milton (2024).	FEMA disaster declarations
Hurricane Irma claims	Insurers reported 103,023 Hurricane Irma claims in Broward County (OIR data as of November 2020).	Florida OIR
Hurricane Ian claims	Insurers reported 7,654 Hurricane Ian claims in Broward County (OIR data as of March 2025).	Florida OIR
Citizens homeowner policies	Citizens had 31,964 personal residential multiperil and 9,631 wind-only policies in force in Broward (September 30, 2026).	Citizens

Questions to Ask Any Public Adjuster About a Broward County Claim

Will your estimate list code-upgrade items separately from storm repairs? Broward's median home was built in 1980, and the county sits in the High Velocity Hurricane Zone. Code work is paid only under ordinance or law coverage, so it needs its own lines.
How do you split a condo loss between the master policy and HO-6? With 249,452 Broward units in buildings of 20 or more units, many losses involve two policies. An adjuster should read both before deciding which items belong where.
If wind and flood both caused damage, how will you document each? Broward has 123,414 residential structures in the high-risk flood zone. Wind damage goes to the homeowners policy and rising water to the flood policy, so clear evidence for each cause matters.

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.

Broward County Questions

Does my Broward homeowners policy cover flooding after a storm?

No. Homeowners policies exclude flood, and flood is covered by a separate policy such as the NFIP. Broward had 125,204 residential NFIP contracts in force as of August 2026. If a storm brings both wind and rising water, you may have two claims with two adjusters on the insurance side. Call Homeland first, and we can document both causes in one line-item Xactimate estimate.

My Broward condo building is over 25 years old. Does its safety inspection matter for a claim?

It can. Broward's Building Safety Inspection Program requires structural and electrical inspections at 25 years and every 10 years after. Those reports record the building's condition before a storm, which can help show what damage is new. They can also be cited against a claim. An adjuster should review them along with the master policy and your HO-6 before the estimate is final.

I have a Citizens policy in Broward. Can a public adjuster handle my claim?

Yes. A public adjuster can represent a policyholder with any insurer, including Citizens. As of September 30, 2026, Citizens had 31,964 multiperil and 9,631 wind-only homeowner policies in force in Broward. A wind-only policy does not cover other causes of loss, so the policy type shapes what is claimed. Call Homeland first, 24/7 in English and Spanish.

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 (954) 787-3777, 24/7. Local page: Public Adjuster in Broward County, FL.

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