Hurricane & wind damage
Roof, building envelope, windows, and structural damage from named storms. We scope the full loss before the carrier's adjuster writes a partial one.
Miami public adjuster: hurricane, condo & water damage claims.
When the carrier underpays, delays, or denies your hurricane, wind, or water claim, our licensed Miami public adjusters step in — documenting the full loss independently, before the carrier's scope sets the number.
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No upfront cost. We only get paid when you recover.
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Commercial, condo, HOA & homeowner claims across Miami-Dade.
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Licensed by the Florida Department of Financial Services.
We only get paid when you do.
Get a Free Claim Review
Tell us about your property and damage. We'll review at no cost.
No upfront cost. We only get paid if you recover. Licensed Florida public adjusters.
$50M+
Recovered for property owners
100+
Combined years of experience
3x
Higher settlements than initial offer
$0
Zero upfront cost
How it works
Unsure about public adjusting? Here's how it works.
Three steps, no upfront cost, and a licensed Florida public adjuster handling the carrier from start to finish.
Step 1
Share your claim details
First you tell us about your property and the damage. We review your policy and the loss at no cost, and identify what the carrier's scope missed.
Start your free claim review →
Step 2
Your JustClaims expert takes over
Next we assign a Florida-licensed public adjuster who knows Miami hurricane, water, and condo claims. We document the full scope, price the real cost of repair, and negotiate directly with the carrier. You never have to fight the insurer alone.
Start your free claim review →
Step 3
Get paid what you're owed
Last, we drive your claim to resolution. There is no upfront cost. We only get paid if we recover money for you. Simple, fast, win-win.
Start your free claim review →
Property types we cover in Miami
We handle every type of Miami property damage claim.
From Brickell office towers to Miami Beach condos and Kendall homes, hurricane and wind to water and fire, we cover the full range of Miami insurance claims.
Commercial property claims
Brickell and Downtown office towers, retail along Flagler Street and Calle Ocho, and hospitality from Miami Beach to the airport corridor. As a commercial public adjuster in Miami, we manage the entire claim, start to finish.
Condo & HOA claims
High-rise associations from Edgewater to Sunny Isles and suburban HOAs across the county. We separate master-policy scope from unit-owner HO-6 coverage, document every building, and coordinate directly with your board.
Hurricane & wind damage
Roof, envelope, and interior damage from hurricanes and tropical storms, plus the wind-driven rain intrusion carriers try to exclude. The claim type Miami knows best, and the one carriers fight hardest.
Water damage claims
Burst pipes, AC and appliance leaks, and roof leaks the carrier tries to classify as maintenance or long-term seepage rather than a sudden covered loss.
Commercial fire claims
Structure fire, smoke and soot, equipment loss, and business-interruption components across Miami-Dade's dense commercial and residential stock.
Denied & underpaid claims
Claims the carrier denied or lowballed. We reopen the file, re-document what the inspection missed, and press for the full value your policy owes.
Reality of Miami claims
Miami is hurricane ground zero. Getting full value takes a public adjuster.
Miami-Dade faces the Atlantic hurricane season every year, and coastal condos, commercial roofs, and single-family homes all take the brunt. The carrier's adjuster works for the carrier — preferred-contractor scopes often come in below full replacement cost.
Florida adds its own traps: a separate hurricane deductible (often 2%, 5%, or 10% of the dwelling limit), a one-year deadline to notify the insurer of a new claim, and 18 months for a supplemental. We document the full loss independently — so the deadlines and deductibles apply to the real number, not a reduced one.
Florida adds its own traps: a separate hurricane deductible (often 2%, 5%, or 10% of the dwelling limit), a one-year deadline to notify the insurer of a new claim, and 18 months for a supplemental. We document the full loss independently — so the deadlines and deductibles apply to the real number, not a reduced one.
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We document the full scope independently, before the contractor estimate goes to the insurer
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We specialize in commercial, condo, and HOA property with complex policies
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We work exclusively for policyholders, never for insurance companies
Hurricane & storm claims
When a hurricane hits Miami,
When a hurricane hits Miami,
the claim fight starts after the storm passes.
From roof and envelope damage to business interruption, hurricane claims are the largest and most disputed losses in Florida. We build the documentation that holds up.
Wind-driven rain & water intrusion
Interior damage the carrier tries to exclude as seepage or maintenance. We tie the intrusion path back to the storm event.
Business interruption & displacement
Lost revenue for commercial owners and additional living expenses for residents while repairs drag on. We document and price the time-element loss.
Ways We Can Help
The carrier's playbook on Miami claims is to pay less than you're owed, drag out the timeline, or deny the claim outright. We fight all three.
Did they underpay your claim?
The carrier pays, but far less than the damage actually costs to repair, and the hurricane deductible makes the gap look smaller than it is. We document the full scope independently and push the settlement to where it should be.
Is your claim stuck or delayed?
Weeks turn into months while the carrier stalls and buries you in requests. We take over the process and hold them to Florida's statutory claim deadlines.
Was your claim denied outright?
A denial is not the end. We reopen the claim, re-document what was missed, and fight to overturn it, with the DFS complaint process as a backstop.
We have expertise on all building types:
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Office Buildings
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Retail & Restaurants
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Industrial & Warehouse
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Hospitality & Lodging
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Healthcare Facilities
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Condo & Multi-Family
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Self-Storage
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REITs & Funds
See what your insurance claim is really worth.
Get a Free Claim ReviewFree review. Miami experts. No upfront cost.
Florida Insurance Law
What Miami policyholders need to know.
Florida law gives property owners more leverage than most carriers let on. Here's the background that matters for a Miami claim. This is general information, not legal advice.
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Public adjusters are licensed by the state
Anyone working your Miami claim as a public adjuster must be licensed by the Florida Department of Financial Services. You can verify any adjuster before you sign. JustClaims is a licensed Florida public adjuster representing Miami property owners.
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Fees are capped by Florida law
Florida law caps public adjuster fees at 20% of the claim payment, and at 10% for claims arising from a declared state of emergency when the adjuster is engaged within the first year after the declaration. JustClaims works on contingency, with no upfront cost. No recovery, no fee.
03
Claim deadlines are short
You have one year from the date of loss to notify the insurer of a new claim, and 18 months for a supplemental claim. Miss the window and the claim can be barred. We calendar every deadline from day one.
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The carrier is on the clock
Your insurer must acknowledge your claim within 7 calendar days and pay or deny within 60 days of receiving notice, unless factors beyond its control apply. We hold them to the clock.
JustClaims provides public adjusting services, not legal advice. For legal questions, consult a licensed Florida attorney.
For Miami Contractors
We actively partner with Miami roofing and restoration companies.
Contractors are some of our best partners. We quarterback the insurance side, keep you in the loop, and never cut you out. Under Florida law, contractors can't negotiate the claim, so a licensed public adjuster is the compliant way to get your scope approved and paid.
Roofers
Commercial and residential roofers and storm-restoration crews across Miami-Dade.
Restoration
Water mitigation, fire and smoke restoration, mold remediation, and disaster recovery firms.
General Contractors
Commercial builders, condo and multi-family renovation firms, and large-loss rebuild specialists.
Blog
From our public adjusters across Miami & South Florida
Miami-Dade areas we serve
Serving property owners across all of Miami-Dade.
We handle claims from Miami Beach and Coral Gables to Hialeah, Kendall, Doral, Aventura, and Homestead, spanning all of Miami-Dade County, and we also serve greater South Florida across Broward and Palm Beach counties.
Miami Beach
Insurance claim help
Coral Gables
Insurance claim help
Hialeah
Insurance claim help
Kendall
Insurance claim help
Doral
Insurance claim help
Aventura
Insurance claim help
Homestead
Insurance claim help
North Miami
Insurance claim help
Miami Gardens
Insurance claim help
Sunny Isles Beach
Insurance claim help
Key Biscayne
Insurance claim help
Sweetwater
Insurance claim help
City lead
Meet our Miami lead public adjuster
Reviewed and Verified by
Stephane Elias
A seasoned insurance professional with nearly a decade of experience, Stephane Elias is currently serving as a Senior Claims Professional and Public Adjuster with JustClaims. Throughout his career, Stephane has represented policyholders through leading public adjusting firms and served as a loss consultant for law firms specializing in insurance litigation, giving him extensive expertise in complex property insurance claims.
A licensed public adjuster in FL (#W564547), TX (#2645032), and six other states, he specializes in commercial and residential property claims, claims management, appraisals, mediation, and strategic partnerships. Stephane is passionate about helping policyholders overcome delayed, denied, and underpaid insurance claims, ensuring they receive the full recovery they're entitled to under their policy.
Senior Claims Professional at JustClaims
Licensed FL Public Adjuster #W564547
Licensed TX Public Adjuster #2645032
Licensed in 6 Additional States
Serving Miami & Miami-Dade County
Common Questions
About Miami Public Adjusters
Florida policies carry a separate hurricane deductible, most often a percentage of the dwelling coverage limit such as 2%, 5%, or 10%, applied once per calendar year to hurricane losses. On top of that, carriers often apply depreciation and leave scope out of the estimate. We document the full loss independently so the deductible and depreciation are applied to the real number, not a reduced one.
Interior damage that follows from storm-created openings is usually part of the same covered loss, not a separate maintenance issue. Carriers often accept the roof scope and carve out the interior. We trace the intrusion path — moisture mapping, storm-track data, and the physical breach — and tie the interior damage back to the covered event in the documented scope.
We represent the association on the master-policy claim: documenting common elements and building-wide scope, separating master-policy coverage from unit-owner HO-6 coverage, coordinating with the board, and negotiating directly with the carrier. Condo claims are among the most disputed in Miami, and independent documentation is what moves them.
Yes. Citizens Property Insurance is Florida's state-backed insurer of last resort, and Citizens policyholders have the same right to hire a licensed public adjuster as any other Florida policyholder. The same claim deadlines and fee caps apply, and the process works the same way as with any other Florida carrier.
Florida law requires the carrier to acknowledge your claim within 7 calendar days and pay or deny within 60 days of receiving notice, unless factors beyond its control apply. Past that window, the escalation levers are a formal demand, a DFS consumer complaint, and the appraisal process most Florida policies include. We use all three, and we take over the documentation and follow-up so the file stops stalling.
No. Florida law puts the carrier on a statutory clock: acknowledge your claim within 7 calendar days, and pay or deny within 60 days of receiving notice, unless factors beyond its control apply. We manage the file, keep it moving, and hold the carrier to every deadline.
Ready to find out what your Miami property claim is really worth?
It only takes a few minutes. No upfront cost. We only get paid when you do.
Licensed by the Florida Department of Financial Services · Contingency fee, capped by Florida law · Serving Miami & all of Miami-Dade County