BEST PUBLIC ADJUSTER · MIAMI

Best Public Adjuster in Miami: The 10-Point Test

In the City of Miami, 48.8% of housing units are in buildings with 20 or more units and only 30.8% of homes are owner-occupied, so owners, tenants and associations often share one loss. Use the 10 tests below to vet any adjuster.

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

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What Makes a Miami Claim Different

Owners, tenants and associations

Only 30.8% of occupied housing units in the City of Miami are owner-occupied (ACS 2020-2024), and 48.8% of all units are in buildings with 20 or more units. A single leak can touch a building's master policy, a unit owner's HO-6 policy and a tenant's renters policy. Each one covers different items. A claim tends to move faster when someone maps which policy owns which damage before adjusting begins.

Older homes and code work

The City of Miami has 38,489 residential structures built before 1957, the earliest period in the county's flood-regulation milestone table (2024 data). Older homes often need wiring, plumbing or roofing brought up to current code during repairs. Those upgrades are paid only if the policy carries ordinance or law coverage, and the estimate has to separate code work from storm repair line by line.

Surge in Brickell and the Grove

During Hurricane Irma in 2017, isolated spots in Coconut Grove and Brickell had storm surge inundation greater than six feet. In 2024 the county counted 51,416 City of Miami buildings in flood zone AE. Surge counts as flood, which a homeowners policy leaves out, so it belongs to a separate flood policy. Wind damage to the same building still goes on the property claim, and the two must be documented apart.

Miami by the Numbers

Topic	Fact	Source
Housing units	The City of Miami has 223,826 housing units with a median year built of 1979 (ACS 2020-2024).	U.S. Census Bureau, ACS 2020-2024
High-rise living	About 48.8% of city housing units, 109,314 in all, are in buildings with 20 or more units (ACS 2020-2024).	U.S. Census Bureau, ACS 2020-2024
Owner-occupied homes	Only 30.8% of occupied housing units in the city are owner-occupied (ACS 2020-2024).	U.S. Census Bureau, ACS 2020-2024
Flood zone AE	The county counted 51,416 City of Miami buildings in FEMA flood zone AE in 2024.	Miami-Dade Local Mitigation Strategy (2025 draft)
Pre-1957 homes	The city has 38,489 residential structures built before 1957, the earliest period in the county's flood-regulation milestone table (2024).	Miami-Dade Local Mitigation Strategy (2025 draft)
Irma storm surge	In Hurricane Irma (2017), isolated spots in Coconut Grove and Brickell had storm surge inundation greater than six feet.	Miami-Dade Local Mitigation Strategy (2025 draft)
Repeat flood losses	The city had 209 residential and 29 commercial FEMA repetitive flood loss properties in 2024.	Miami-Dade Local Mitigation Strategy (2025 draft)

Questions to Ask Any Public Adjuster About a Miami Claim

How will you separate storm surge damage from wind damage? Coconut Grove and Brickell saw surge above six feet in Irma. When water and wind hit the same building, each item has to be tied to its cause, or the wind side of the claim may be shortchanged.
Do you check older homes for ordinance or law coverage? With 38,489 city residential structures built before 1957, code upgrades can be a large part of a repair. Whether they get paid depends on that coverage, so an adjuster should look for it at the start.
Have you handled claims involving tenants and condo associations? Only 30.8% of city homes are owner-occupied, so many losses involve a landlord, a tenant and sometimes an association. Each party may hold a different policy that covers part of the same damage.

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 Questions

My Brickell condo flooded from the unit above. Whose policy pays?

It often depends on where the water came from and what it damaged. The association's master policy may cover the structure and common elements, while your HO-6 policy may cover interior finishes and your belongings. The upstairs owner's policy can also come into play. Call Homeland first so the damage is mapped to each policy before anyone accepts an estimate.

My Miami home is a repetitive flood loss property. Does that change my claim?

The City of Miami had 209 residential and 29 commercial FEMA repetitive flood loss properties in 2024. Earlier flood claims do not erase your coverage, but the adjuster may look hard at whether damage is new or left from a prior event. Photos, invoices and permits from past repairs can help show the property was restored before this loss.

Does the city's flood rating lower what my claim pays?

No. The City of Miami holds a FEMA Community Rating System Class 6 rating as of December 17, 2024, which earns a 20% flood premium discount in high-risk zones. That discount lowers what you pay for an NFIP policy. It does not change what a claim pays, which still depends on documenting the flood damage fully.

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.

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

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