BEST PUBLIC ADJUSTER · MIAMI-DADE COUNTY

Best Public Adjuster in Miami-Dade County: The 10-Point Test

Miami-Dade has 1,094,983 housing units, and about a third of them sit in buildings with 20 or more units, so many claims here involve towers, associations and flood questions. Before you sign anything, check any adjuster against 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 Miami-Dade County Claim Different

Towers and two policies

About 33.8% of Miami-Dade housing units, or 370,260 homes, are in buildings with 20 or more units (ACS 2020-2024). In those buildings, one loss is often split between the association's master policy and each owner's HO-6 policy. The structure and common areas usually fall under the master policy, while interior finishes may fall under the unit policy. Deciding which policy pays which line item is often the first dispute in a tower claim.

Hurricane zone building rules

Miami-Dade sits in the Florida Building Code's High Velocity Hurricane Zone, which carries the stricter wind provisions South Florida adopted after Hurricane Andrew. Roofs, windows and doors repaired here may need products and methods that meet those rules. When a repair must meet a higher standard than the original work, the extra cost may be paid only if the policy carries ordinance or law coverage. The estimate should price the work the code actually requires.

Storm claims that linger

Florida OIR data show 7,281 Hurricane Ian claims reported in Miami-Dade, with 74.8% closed as of March 4, 2025. A storm does not need to hit the county head-on to cause roof, window and water damage that is easy to underrate. A closed claim is not always a fully paid claim. The amount often depends on how carefully the damage was measured, photographed and priced in the estimate.

Miami-Dade County by the Numbers

Topic	Fact	Source
Housing units	Miami-Dade has 1,094,983 housing units with a median year built of 1980, and 52.2% of occupied units are owner-occupied (ACS 2020-2024).	U.S. Census Bureau, ACS 2020-2024
Towers and condos	About 33.8% of housing units, 370,260 in all, are in buildings with 20 or more units (ACS 2020-2024).	U.S. Census Bureau, ACS 2020-2024
Flood insurance policies	Unincorporated Miami-Dade had 116,895 flood insurance policies in force as of December 2024, the most of any Florida community.	Miami-Dade Local Mitigation Strategy (2025 draft)
FEMA declarations	Irma's DR-4337 (2017) included the Individuals and Households Program here, while Ian (DR-4673), Nicole (DR-4680) and Milton (DR-4834) covered Public Assistance only.	FEMA
Hurricane Ian claims	7,281 Hurricane Ian claims were reported in Miami-Dade, with 74.8% closed as of March 4, 2025.	Florida OIR
Citizens policies	Citizens had 49,887 personal residential multiperil and 12,200 wind-only policies in force in Miami-Dade as of September 30, 2026.	Citizens
Building recertification	Most Miami-Dade buildings must be recertified at 30 years and every 10 years after; single-family homes and duplexes are exempt (rules effective 2022).	Miami-Dade County

Questions to Ask Any Public Adjuster About a Miami-Dade County Claim

Can you sort out how a master policy and an HO-6 split damage? With 370,260 Miami-Dade homes in buildings of 20 or more units, many local claims involve two policies. An adjuster who reads both can keep damage from falling into the gap between them.
Will your estimate price High Velocity Hurricane Zone requirements? Repairs in Miami-Dade fall under High Velocity Hurricane Zone rules. If the estimate prices a basic repair instead of a code-compliant one, the payment for roofs, windows and doors may come up short.
How do you separate wind damage from flood damage? Unincorporated Miami-Dade alone carried 116,895 flood policies as of December 2024. Wind and flood are paid under separate policies, so the cause of each item of damage has to be documented on its own.

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.

Miami-Dade County Questions

My building is due for recertification. Does that affect my claim?

It can. Miami-Dade requires most buildings to be recertified at 30 years and every 10 years after, though single-family homes and duplexes are exempt. Recertification reports and repair records may show the building's condition before a storm, which can help separate new damage from older wear. Call Homeland first so an adjuster can review those records alongside the loss.

I have a Citizens policy in Miami-Dade. Can a public adjuster help?

Yes. Citizens had 49,887 personal residential multiperil policies and 12,200 wind-only policies in force in Miami-Dade as of September 30, 2026. A public adjuster can represent a Citizens policyholder just as with any other insurer. If your policy is wind-only, flood damage is not part of it, so separating wind damage from water damage becomes especially important.

Does FEMA aid replace an insurance claim?

No. FEMA aid and insurance are separate. After Hurricane Irma, FEMA's DR-4337 declaration included the Individuals and Households Program for Miami-Dade, while the Ian, Nicole and Milton declarations covered the county for Public Assistance only, which supports public entities rather than households. For most owners, the property insurance claim remains the main source of repair money.

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 Miami, FL.

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