Experienced Public Adjusters Serving Miami Beach Property Owners
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Miami Beach (Miami-Dade County) Storm and Claim History
- Hurricane Andrew made landfall near Homestead on August 24, 1992. The National Hurricane Center reports that it destroyed 25,524 homes and damaged 101,241 others in Dade County.
- Hurricane Irma in September 2017 brought widespread storm-surge flooding to Biscayne Bay barrier islands. In Miami-Dade County, 55,012 insurance claims were filed after Irma, and almost all of the county had peak wind gusts of 80 to 95 mph.
- On June 12, 2024, the City of Miami Beach declared a local state of emergency due to street and property flooding from a historic South Florida rain event.
- The NOAA Weather Prediction Center recorded 13.26 inches of rain in Miami Beach during the June 10–13, 2024 South Florida rain event.
- Hurricane Nicole pushed storm surge near 2 feet along the Miami-Dade coast in November 2022, according to the National Weather Service in Miami.
- Average homeowners insurance premium in Miami-Dade County: $5,975 a year with wind coverage, $3,779 without; condominium unit owners $2,801 with wind, averaged across all insurers, insured values and deductibles (Florida OIR, Property Insurance Stability Report, July 1, 2026; data as of March 31, 2026). See every county's average.
Insurance Claims We Handle in Miami Beach
Hurricane & Wind Damage
Wind, rain intrusion, roof and structural damage from hurricanes and tropical storms in Miami Beach.
Flood Damage
Storm surge and flood losses in Miami Beach, with help navigating NFIP and private flood policies.
Fire Damage
Structural fire damage as well as damage caused by heat, smoke, and soot.
Water Damage
Broken pipes, plumbing failures, leaks and water intrusion in Miami Beach homes, condos and businesses.
Theft & Vandalism Damage
Documentation of malicious property damage, stolen property, and related covered losses.
Business & Commercial
Claim support for Miami Beach businesses and commercial property owners.
Condo & HOA Associations
Master policy claims for Miami Beach condo and HOA boards and managers.
Renters
Belongings and living expenses when your landlord insures only the building.
Other Claims
For insured clients: vehicle impact, lightning, falling trees and objects, sinkholes, and other events potentially covered by the applicable policy.
Denied & Underpaid
Review of claim decisions, estimates, documentation, and potentially overlooked or disputed damage.
Third Party Uninsured Damage Claims
For property owners with no coverage of their own whose damage was caused by someone else's insured loss.
Not sure which claim fits?
Call us 24/7. Florida (305) 783-3777. New Jersey (732) 517-3777.
Get the Adjuster Advantage™
Adjuster Advantage™ is Homeland's free pre-loss membership and app for property owners. Miami Beach owners can understand their policy, keep records ready, prepare before storm season, and have a licensed Homeland public adjuster assigned to their membership. Prep tools are available in all 50 states, with adjuster support in Florida and New Jersey.
Joining is free and does not create a contract or agreement with Homeland for any claim. Hiring Homeland is optional and requires a separate written agreement.
Discover The Adjuster Advantage™
A Miami Beach Claims Team Working for Policyholders
Since 2007, Homeland Public Adjusters has stood with property owners, not insurance companies. We serve Miami Beach, available 24/7 by phone. Our team combines claim experience, detailed loss documentation, policy review, estimating, and persistent advocacy to help clients through a process that can quickly become complicated.
Professional Standards & Industry Resources
Homeland stays connected to the standards, regulations, and resources that shape public adjusting and property insurance. These include the Florida Department of Financial Services, Division of Consumer Services, Florida Statutes Chapter 626, and FAPIA (Florida Association of Public Insurance Adjusters).
Meet Our TeamPublic Adjusters
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Miami Beach Property Damage? Help Is Available 24/7
After a hurricane, major storm, fire, water loss, or other damaging event, the first priority is safety. Once conditions allow, documenting what happened becomes a crucial part of the claim. Miami Beach property owners can reach Homeland anytime they need guidance.
Hablamos Español. Nuestro equipo está disponible para ayudarle con su reclamo de seguro de propiedad en Miami Beach. Llámenos al 305-783-3777 (Florida) o al 732-517-3777 (Nueva Jersey).
Call Us Now: (305) 783-3777
In the News Near Miami Beach, FL
Miami Beach Public Adjuster FAQs
Miami Beach property owners often have questions about when to involve a public adjuster, what happens after damage is discovered, and how representation fits into an insurance claim. Here are answers to common questions. Contact us for a free claim review.
Does Homeland handle flood and storm claims in Miami Beach?▶
Yes. Miami Beach declared a local state of emergency for flooding in June 2024, when more than 13 inches of rain fell, and its barrier island location exposes it to surge. Homeland documents the damage under your flood and homeowners or condo coverage and handles the claim; call 24/7 at (305) 783-3777.
Does Homeland handle hurricane and storm claims in Miami Beach?▶
Yes. Hurricane, wind and storm claims are among the losses Homeland handles. Miami Beach is in Miami-Dade County, within Florida’s hurricane-prone coastal region, and we help Miami Beach property owners document damage from hurricanes, tropical storms, storm surge and heavy rain.
How do I find a public adjuster near me after property damage in Miami Beach?▶
Call Homeland directly for a free claim review. We serve Miami Beach, available 24/7 by phone, and we handle claims across all of Florida and New Jersey.
Does it cost anything to hire Homeland?▶
Homeland’s fee is explained in your written agreement before you hire us, so you know the terms up front. We work on a no recovery, no fee basis.
By Nelson Avila
Miami Beach Public Adjusters
Homeland serves Miami Beach property owners, available 24/7 by phone at (305) 783-3777 (Florida) and (732) 517-3777 (New Jersey). We handle claims across all of Florida and New Jersey.
Miami Beach resources after a property loss
The offices a Miami Beach property owner deals with after a loss, from permit history (the first thing an insurer questions on a roof) to the county's storm response. All official Miami-Dade County and state sources.
- Building permits and inspections
- Property records and assessed value
- Emergency management
- National Weather Service forecast office
- State insurance consumer help