BEST PUBLIC ADJUSTER · KENDALL

Best Public Adjuster in Kendall: The 10-Point Test

Kendall (a census-designated place in unincorporated Miami-Dade) has 32,492 housing units and a history of sudden rain floods, including 7 to 10 inches in a few hours in 2013. Hold any adjuster to the 10 tests below.

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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What Makes a Kendall Claim Different

Flash floods from heavy rain

On October 2, 2013, storms dropped 7 to 10 inches of rain within hours near The Falls Shopping Mall, flooding roads, buildings and vehicles. Fast, heavy rain can push water in at ground level and through the roof at the same moment. Ground-level water is flood, paid only by a separate flood policy, while water through storm-damaged openings is usually a property claim. Where the water entered matters.

Owner-occupied single-family homes

About 62.2% of occupied housing units in Kendall are owner-occupied, and 40.4% of all units are single-family detached homes (ACS 2020-2024). For a homeowner, a claim can cover the structure, the roof, the contents and often additional living expenses if the home cannot be lived in. Each of those coverages has its own limit and needs its own proof.

Older roofs and long wet spells

Kendall's housing has a median year built of 1978. Miami Executive Airport in West Kendall recorded 18.43 inches of rain in December 2015, the wettest December there since 1998. Long wet stretches can expose weak spots in older roofs. Insurers may call slow leaks wear and tear, so it helps to show that a specific storm created the opening that let water in.

Kendall by the Numbers

Topic	Fact	Source
Housing units	Kendall has 32,492 housing units with a median year built of 1978 (ACS 2020-2024).	U.S. Census Bureau, ACS 2020-2024
Owner-occupied homes	62.2% of occupied housing units in Kendall are owner-occupied (ACS 2020-2024).	U.S. Census Bureau, ACS 2020-2024
Home types	40.4% of Kendall housing units are single-family detached homes, and 27.6% are in buildings with 20 or more units (ACS 2020-2024).	U.S. Census Bureau, ACS 2020-2024
2013 flash flood	On October 2, 2013, 7 to 10 inches of rain fell within hours near The Falls Shopping Mall, flooding roads, buildings and vehicles.	Miami-Dade Local Mitigation Strategy (2025 draft)
December 2015 rain	Miami Executive Airport in West Kendall recorded 18.43 inches of rain in December 2015, its wettest December since 1998.	Miami-Dade Local Mitigation Strategy (2025 draft)
October 2011 rain	In the October 7-9, 2011 event, the heaviest rain fell south of Kendall Drive, with 10.11 inches at the West Kendall/Tamiami Airport gauge.	Miami-Dade Local Mitigation Strategy (2025 draft)

Questions to Ask Any Public Adjuster About a Kendall Claim

How will you prove where the water came in? Kendall has seen sudden floods, including 7 to 10 inches of rain near The Falls in 2013. Rising water and roof leaks are covered differently, so the entry point can decide which policy pays.
Will you claim additional living expenses if I must move out? With 62.2% of occupied Kendall homes lived in by their owners, many claims involve families who need somewhere to stay during repairs. That coverage carries its own limit and needs receipts to be paid.
Can you tie a roof leak to a specific storm date? Kendall's 1978 median year built means many roofs have some age. After long rainy periods like December 2015, insurers may cite wear, so dated weather records help link damage to a specific event.

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.

Kendall Questions

My Kendall street flooded and water got into my house. Am I covered?

It depends on which policies you hold. A homeowners policy does not cover flood, so water that rose from the ground is paid only by a separate flood policy. If wind or debris also damaged your roof or windows and rain came in, that part may be a homeowners claim. Call Homeland first so both sources are documented before cleanup removes the evidence.

My roof leaked after weeks of rain. Will the insurer blame its age?

It may try. Kendall's housing has a median year built of 1978, so many roofs have some years on them. That does not rule out a claim. What matters is showing that a storm caused new damage, using dated photos, weather records and a roof inspection. Nelson Avila is also a Florida Certified Residential Contractor and can help explain how the damage happened.

I live in a Kendall condo building. Whose policy covers my unit?

About 27.6% of Kendall housing units are in buildings with 20 or more units. In a condo, the association's master policy usually covers the structure and common areas, and your HO-6 policy picks up what the master policy does not, often interior finishes and belongings. Wording varies, so both policies should be read before any estimate is accepted.

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 (305) 783-3777, 24/7. Local page: Public Adjuster in Kendall, FL.

Nearby: Miami-Dade County · Miami · Hialeah · Doral · Miami Beach

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