Experienced Public Adjusters Serving Miami Property Owners
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Miami-Dade 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 3 to 5 feet of average storm-surge inundation along the Biscayne Bay shoreline from Homestead to Downtown Miami and Brickell, with a peak surveyed height slightly over 6 feet in isolated spots in Coconut Grove and Brickell.
- In Miami-Dade County, 55,012 insurance claims were filed after Irma, and almost all of the county had peak gusts of 80 to 95 mph.
- The 1926 Great Miami Hurricane’s eye passed over downtown Miami and parts of Coconut Grove around 6:30 a.m. on September 18, and its surge carried water across Biscayne Bay into the City of Miami for several blocks; the Red Cross counted 372 deaths.
- The City of Miami’s Stormwater Master Plan (draft, March 2021) estimated that about 20% of the city floods beyond its target level of service in a 10-year storm, and that approximately 5,000 structures would be inundated in a 100-year storm.
- 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.
100 Years of Hurricanes in Miami (1926–2025)
Miami has been tested by hurricanes for as long as there has been a modern city. These are the storms that hit Miami and Miami-Dade County hardest over the last century, with one documented local impact from each.
| Year | Storm | What happened in Miami |
|---|---|---|
| 1926 | Great Miami Hurricane September 17–18, 1926 | Drove a 10-foot storm surge onto Miami Beach and the barrier islands; the Red Cross reported over 6,000 people injured. |
| 1945 | Homestead Hurricane September 15, 1945 | Crossed Key Largo and passed over Homestead Army Air Base and Richmond Naval Air Station, where a fire during the storm consumed the blimp hangars. |
| 1950 | Hurricane King October 18, 1950 | Struck Miami in the early morning hours; the Miami Weather Bureau office recorded a maximum sustained wind of 122 mph. |
| 1964 | Hurricane Cleo August 27, 1964 | Made landfall on Key Biscayne, the first hurricane strike for Miami in 14 years, and smashed hotel and storefront windows along Miami Beach. |
| 1965 | Hurricane Betsy September 8, 1965 | Put Miami Beach streets near the ocean and Biscayne Bay under water, with rising water reaching businesses and homes near Biscayne Boulevard and Bay Shore Drive. |
| 1992 | Hurricane Andrew August 24, 1992 | Came ashore before dawn as a Category 5 hurricane with a minimum central pressure of 922 millibars. |
| 2005 | Hurricane Katrina August 25, 2005 | Came ashore near the Broward/Miami-Dade county line; Perrine measured 16.33 inches of rain, and three people died in Miami-Dade. |
| 2005 | Hurricane Wilma October 24, 2005 | Gusts reached 104 mph at the NWS Miami office at FIU and 92 mph at Miami International Airport, with a surge of about 4 feet at Virginia Key. |
| 2017 | Hurricane Irma September 10, 2017 | After its Category 4 landfall at Cudjoe Key, Irma brought a peak gust of 72 mph to Miami International Airport. |
| 2020 | Tropical Storm Eta November 8–9, 2020 | Dropped 14.12 inches of rain near Biscayne Park and 13.40 inches in North Miami, leaving streets in northern Miami-Dade impassable for days. |
Insurance Claims We Handle in Miami
Hurricane & Wind Damage
Wind, rain intrusion, roof and structural damage from hurricanes and tropical storms in Miami.
Flood Damage
Storm surge and flood losses in Miami, 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 homes, condos and businesses.
Theft & Vandalism Damage
Documentation of malicious property damage, stolen property, and related covered losses.
Business & Commercial
Claim support for Miami businesses and commercial property owners.
Condo & HOA Associations
Master policy claims for Miami 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 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 Claims Team Working for Policyholders
Since 2007, Homeland Public Adjusters has stood with property owners, not insurance companies. We serve Miami, 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).
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Miami 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 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. Llámenos al 305-783-3777 (Florida) o al 732-517-3777 (Nueva Jersey).
Call Us Now: (305) 783-3777
In the News Near Miami, FL
Miami Public Adjuster FAQs
Miami 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.
What major hurricanes have hit Miami?▶
Major storms to hit Miami and Miami-Dade include the 1926 Great Miami Hurricane, the 1945 Homestead hurricane, Hurricane King in 1950, Cleo in 1964 and Betsy in 1965. More recently, Hurricane Andrew struck as a Category 5 in 1992, Katrina and Wilma both hit in 2005, Irma in 2017, and Tropical Storm Eta flooded northern Miami-Dade in 2020.
Does Homeland handle hurricane wind-damage claims in Miami?▶
Yes. Wind is Miami’s main hurricane risk: Irma pushed 3 to 5 feet of storm surge along Biscayne Bay from Homestead to Downtown Miami and Brickell in 2017. Homeland documents roof, window and water damage and handles the claim for you; call us 24/7 at (305) 783-3777.
Does Homeland handle hurricane claims in Miami?▶
Yes. Hurricane and wind claims are among the losses Homeland handles. Miami-Dade has a long history of major hurricane losses, including Hurricane Andrew in 1992 and Hurricane Irma in 2017.
How do I find a public adjuster near me after property damage in Miami?▶
Call Homeland directly for a free claim review. We serve Miami, 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 Public Adjusters
Homeland serves Miami 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 resources after a property loss
The offices a Miami 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