BEST PUBLIC ADJUSTER · PALM BEACH COUNTY

Best Public Adjuster in Palm Beach County: The 10-Point Test

Insurers reported 57,065 Hurricane Irma claims in Palm Beach County, then thousands more after Ian and Milton. Repeat storms and aging condo towers make claims here more involved. Before you choose who handles yours, check any adjuster against the 10 tests.

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: (561) 473-3777

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

What Makes a Palm Beach County Claim Different

Three hurricanes, three separate claims

Florida OIR data shows 57,065 Irma claims in Palm Beach County as of November 2020, 5,631 Ian claims as of March 2025, and 4,559 Milton claims as of December 2025. Each storm is a separate claim, often with its own hurricane deductible. When a home was hit more than once, the insurer may argue that damage came from an earlier event. Dated photos and repair records help answer that.

Condo milestone inspections

Unincorporated Palm Beach County requires milestone inspections of condo and co-op buildings three or more stories tall, at 25 years within 3 miles of a coastline and at 30 years elsewhere. About 19.1% of the county's housing units are in buildings with 20 or more units, per 2020-2024 Census estimates. Inspection findings can shape how an insurer reads storm damage versus older wear.

Flood zones and wind-only policies

FEMA counts 43,577 of Palm Beach County's 530,976 residential structures in the Special Flood Hazard Area, with 69,154 residential NFIP contracts as of August 2026. Citizens also had 5,592 wind-only homeowner policies in force here on September 30, 2026. A wind-only policy and a flood policy each pay for one cause, so the claim has to show which cause did which damage.

Palm Beach County by the Numbers

Topic	Fact	Source
Median year built	The median year built for Palm Beach County housing is 1986 (ACS 2020-2024).	U.S. Census Bureau, ACS 2020-2024
Owner-occupied homes	About 70.1% of occupied housing units in Palm Beach County are owner-occupied (ACS 2020-2024).	U.S. Census Bureau, ACS 2020-2024
Homes in flood zone	FEMA counts 43,577 of 530,976 Palm Beach County residential structures in the Special Flood Hazard Area (as of August 2026).	FEMA NFIP Residential Penetration Rates
Hurricane Irma claims	Insurers reported 57,065 Hurricane Irma claims in Palm Beach County (OIR data as of November 2020).	Florida OIR
Hurricane Ian claims	Insurers reported 5,631 Hurricane Ian claims in Palm Beach County (OIR data as of March 2025).	Florida OIR
Hurricane Milton claims	Insurers reported 4,559 Hurricane Milton claims in Palm Beach County (OIR data as of December 2025).	Florida OIR
Citizens homeowner policies	Citizens had 15,851 personal residential multiperil and 5,592 wind-only policies in force in Palm Beach County (September 30, 2026).	Citizens

Questions to Ask Any Public Adjuster About a Palm Beach County Claim

How do you separate damage from Irma, Ian and Milton? Palm Beach County logged claims after all three storms. When a property has prior losses, the adjuster needs dated evidence so the current claim is not reduced for older damage.
Will you review our building's milestone inspection report? Condo and co-op buildings of three or more stories in unincorporated Palm Beach County face milestone inspections at 25 or 30 years. Those reports describe the building before a loss.
I have a wind-only policy. What else covers my damage? Citizens had 5,592 wind-only homeowner policies in Palm Beach County in September 2026. Those owners usually hold other policies for other causes, and each one needs its own claim.

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.

Palm Beach County Questions

My Palm Beach County home was damaged by more than one hurricane. Can I still claim?

Possibly. Each storm is a separate claim, and the policy and its time limits decide what remains open. Florida OIR recorded 57,065 Irma claims, 5,631 Ian claims and 4,559 Milton claims in this county. The key is showing which damage each storm caused. Call Homeland first, and we can review your policy, your dates and your repair history.

Does a milestone inspection affect my Palm Beach County condo claim?

It can. In unincorporated Palm Beach County, condo and co-op buildings of three or more stories need milestone inspections at 25 years near the coast or 30 years inland. The report may help prove a building was sound before a storm, or it may be used to argue that damage was older. An adjuster should read it before writing the estimate.

I live in a Palm Beach County flood zone. Will my homeowners policy pay for flood?

No. Homeowners policies exclude flood, which is covered by a separate flood policy. FEMA counts 43,577 residential structures in this county's high-risk flood zone, and 69,154 residential NFIP contracts were in force as of August 2026. If wind and water both caused damage, both policies may respond. Homeland answers 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 (561) 473-3777, 24/7. Local page: Public Adjuster in Palm Beach County, FL.

Nearby: West Palm Beach · Boca Raton · Delray Beach · Jupiter · Belle Glade

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