BEST PUBLIC ADJUSTER · FLORIDA

Best Public Adjuster in Florida: The 10-Point Test

Every public adjuster says they’re the best. Florida law gives you a way to check. Here are 10 tests, the law behind each one, and how Homeland measures up. Check us, and check anyone else you’re considering.

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

Call Homeland First: (305) 783-3777

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A licensed public adjuster calls you back. 24/7, in English or Spanish.

The 10-Point Test for Any Public Adjuster in Florida

Test	What the law says / what to ask	Homeland
1. Licensed, and you can check it	Florida public adjusters must be licensed by the Department of Financial Services. Look up any name on the DFS licensee search before you sign.	✓ Florida agency license W818638. New Jersey firm license 3003982360.
2. A track record you can verify	Ask how long the firm has been representing property owners, and who will actually handle your file.	✓ Representing property owners since 2006. Meet the licensed team.
3. Real reviews from real clients	Read reviews on a platform the adjuster doesn't control, like Google.	✓ 5.0-star Google rating. Results and reviews.
4. A written contract, with the fee in it	A public adjuster can't collect a fee on payments to you without a written contract (§626.854(6)(a)). Florida caps the fee at 20% of claim payments, and 10% for claims from a declared state of emergency during the first year (§626.854(11)(b)).	✓ Written contract every time, within the legal limits. No Recovery, No Fee.
5. Your right to cancel, explained up front	You can cancel within 10 days after signing, without penalty. After a declared emergency, the window is 30 days after the loss or 10 days after signing, whichever is longer. The notice must appear in bold, 18-point type before the signature line (§626.854(7)).	✓ We walk you through the cancellation notice before you sign.
6. A written estimate, on time	The adjuster must give you an itemized, per-unit estimate within 60 days after the contract (§626.854(12)(a)). If you don't get one, you can cancel without penalty, unless the delay was beyond the adjuster's control (§626.854(12)(b)).	✓ Line-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.
7. You choose who repairs your home	A public adjuster can't take a contract or power of attorney that gives them the authority to choose your repair contractors (§626.854(18)).	✓ Your repairs, your contractor. We handle the claim.
8. No paid referrals, no gifts	A public adjuster can't pay anyone but another public adjuster for referrals (§626.854(13)), and can't offer a homeowner a rebate, gift, gift card, cash or a deductible waiver (§626.854(23)(a)).	✓ We follow both rules. You hire us on the merits.
9. Someone you can reach, in your language	Ask who answers the phone after a storm, at night and on weekends.	✓ 24/7, in English and Spanish.
10. Experience with your kind of claim	Homes, condos, associations and businesses are handled differently. Ask for experience with yours.	✓ Homes, 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.

Statutes: Fla. Stat. §626.854 (2025). Subsections (5) through (18) apply to claims under residential and condominium unit-owner policies (§626.854(19)). General information, not legal advice.

Red Flags: Walk Away If…

A contractor or roofer offers to handle your claim. Contractors can't perform public adjuster services unless they are licensed as public adjusters (§626.854(16)).
You're offered cash, a gift card or a deductible waiver to sign (§626.854(23)(a)).
Someone says there's "no risk" in filing a claim. The law treats that statement in a public adjuster's ad as deceptive (§626.854(8)(a)).
A public adjuster solicits you on a Sunday, or before 8 a.m. or after 8 p.m. (§626.854(5)).
The contract gives the adjuster control over picking your contractors (§626.854(18)).
You can't find the name on the DFS licensee search.

Hiring a Public Adjuster in Florida

Homeland works from its office in Miami Lakes and comes to your property in Florida. Call (305) 783-3777, 24/7. More on our local page: Public Adjusters in Florida.

Best public adjuster test, by area: Miami-Dade County · Broward County · Monroe County and the Florida Keys · Palm Beach County · Collier County · Lee County · Martin County · St. Lucie County · Miami · Hialeah · Doral · Kendall · Miami Beach · Fort Lauderdale · Hollywood · Pembroke Pines · West Palm Beach · Boca Raton · Fort Myers · Cape Coral · Naples

Do You Even Need a Public Adjuster?

Not always. If the damage is small, nothing is in dispute and the insurer’s payment covers a real repair estimate, you may not need one. Hiring a public adjuster is always optional. When the claim is large, complicated, delayed, denied or underpaid, that’s when a licensed public adjuster working for you makes the difference. Not sure? Call (305) 783-3777 and we’ll tell you straight.

Read: Public Adjuster Myths vs. Florida Law · Is a Public Adjuster Worth It? · How to Verify a Public Adjuster License · Claim Denied or Lowballed? Every Option Compared.

Questions

Who is the best public adjuster in Florida?

The one who passes all 10 tests above for your claim: licensed, verifiable, reviewed, a written contract within the legal fee limits, cancellation rights explained, an estimate on time, no control over your contractors, no paid referrals or gifts, reachable 24/7, and experienced with your kind of property. Homeland passes every one. Check us against anyone else.

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.

Can I cancel a public adjuster contract?

Yes. Within 10 days after signing, without penalty, or after a declared emergency, within 30 days after the loss or 10 days after signing, whichever is longer. You can also cancel if you don't get a written estimate within 60 days (Fla. Stat. §626.854(7) and (12)(b)).

How do I check a public adjuster's license?

Search the name on the Florida Department of Financial Services licensee search. Homeland's agency license is W818638.

THIS IS A SOLICITATION FOR BUSINESS. IF YOU HAVE HAD A CLAIM FOR AN INSURED PROPERTY LOSS OR DAMAGE AND YOU ARE SATISFIED WITH THE PAYMENT BY YOUR INSURER, YOU MAY DISREGARD THIS ADVERTISEMENT.