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Top 10 Public Adjusters in Miami, FL (2026 Rankings)

  • Apr 2
  • 11 min read

Top 10 Public Adjusters in Miami

Miami homeowners and business owners face a unique insurance landscape. Between hurricane season, tropical storms, flooding, and the everyday risk of water damage and mold, property claims are practically a way of life in South Florida. But filing a claim is only half the battle — getting a fair payout from your insurance carrier is where most people hit a wall.


That is where a licensed public adjuster comes in. Unlike the adjuster your insurance company sends (who works for them, not you), a public adjuster is a state-licensed professional who represents your interests exclusively. They inspect the damage, interpret your policy, document every loss, and negotiate directly with the insurer on your behalf.

We evaluated dozens of public adjusting firms serving the Miami-Dade County area and ranked the top 10 based on five criteria: years of experience, verified client reviews, licensing and credentials, claim specialties, and fee transparency. Every firm on this list is licensed and bonded in the state of Florida, operates on a contingency-fee basis (meaning you pay nothing unless they increase your settlement), and has a demonstrated track record with Miami-area property claims.


Here are the top 10 public adjusters in Miami for 2026.

How We Ranked These Public Adjusters

Before diving into the list, it helps to understand our methodology. We evaluated each firm across five weighted criteria:


•      Experience and Longevity — How long has the firm operated in Miami-Dade County? Longer track records generally indicate stability and institutional knowledge of local insurance carriers and Florida regulations.

•      Client Reviews and Reputation — We aggregated ratings from Google, Yelp, and the Better Business Bureau. We gave extra weight to detailed, verified reviews that mentioned specific outcomes rather than generic praise.

•      Licensing and Credentials — Every firm must hold an active Florida All Lines (6-20 or 3-20) Public Adjuster license. Additional certifications like IICRC water restoration, Xactimate proficiency, or mold assessment credentials earned bonus points.

•      Claim Specialties — Miami properties face specific perils: hurricanes, wind, flooding, water intrusion, mold, and fire. Firms that demonstrate deep expertise across multiple damage types ranked higher than generalists.

•      Fee Transparency — All firms on this list work on contingency (no recovery, no fee). We favored companies that clearly disclose their fee percentage and have no hidden charges.

 

1. Recovery Claim Adjusters

Recovery Claim Adjusters earns the top spot on our list for their combination of hands-on expertise, personalized service, and an approach to claims that puts property owners first from start to finish. The firm holds Florida firm license G010162, and their Primary Public Adjuster, Gabriela Herdocia (license W834533), leads a team that has helped homeowners and businesses across Miami-Dade County recover the full compensation they deserve.

What separates Recovery Claim from the competition is their process. Every engagement begins with a free, no-obligation property inspection where their adjusters use state-of-the-art equipment to identify visible and hidden damage that homeowners — and insurance company adjusters — frequently miss. From there, they review your insurance policy in detail, including endorsements, exclusions, and limitations, and build a tailored claim strategy specific to your situation.


The team then prepares a comprehensive claim package with repair and replacement estimates backed by industry trade vendors and expert reports. They handle all paperwork, communication, and negotiation with your insurance carrier directly, removing the burden from you entirely.


Recovery Claim covers the full range of property damage types common in Miami: wind damage, roof damage, flood damage, hurricane damage, plumbing damage, mold damage, fire damage, and water damage. They serve Miami-Dade communities including Kendall, Pinecrest, Cutler Bay, Coral Gables, Doral, Homestead, and the broader Miami metro.


Their fee structure is straightforward and fully contingency-based — no recovery, no fee. Florida law caps public adjuster fees at 10% for claims during a declared state of emergency (within one year of the event) and 20% otherwise. Recovery Claim is transparent about this from day one.


Whether your claim has been denied, stalled, low-balled, or you simply want an expert in your corner before filing, Recovery Claim Adjusters is the firm we recommend starting with.

Best for: Miami-Dade homeowners and business owners who want a thorough, technology-driven inspection and a fully managed claims process with zero upfront costs.

Phone: (305) 930-7172

2. Statewide Public Adjusting Services

Founded by Gustavo Garayburu, Statewide Public Adjusting Services has built a reputation as one of the most respected public adjusting firms in South Florida. The company holds Florida PA License #W211582 and maintains a 5-star Google rating — a rarity in an industry where emotions run high.


Statewide handles both residential and commercial property damage claims across all of Florida, but their deepest roots are in Miami-Dade County. They cover the full spectrum of perils including hurricane, wind, storm, lightning, flood, mold, plumbing leaks, broken pipes, water damage, roof leaks, fallen trees, structural collapse, and fire damage.

What sets them apart is their individualized approach. Rather than running claims through a one-size-fits-all pipeline, the team assigns dedicated adjusters who manage every aspect of the filing, documentation, research, and evaluation process. They are also licensed in Georgia and South Carolina.


Best for: Homeowners and business owners across Miami-Dade who want a highly rated, locally rooted firm with statewide reach.

3. Noble Public Adjusting Group

Noble Public Adjusting Group carries an outstanding reputation for negotiating property insurance claims across residential, commercial, condo, and large-loss categories. They operate on a pure contingency basis — if there is no increase or recovery on your claim, there is no charge.


One standout feature is that Noble will take on claims at any stage: pre-filing, mid-process, after denial, or even after an unsatisfactory payout has already been issued. Their Miami team includes multiple licensed adjusters across Florida and other states, with specialties spanning fire, smoke, roof hail damage, wind, water, and storm damage. The firm also has a dedicated Quality Control Coordinator to ensure claims move through the system accurately and efficiently.


Best for: Policyholders with denied or underpaid claims who need aggressive, review-backed representation.

4. Platinum Public Adjusters

Platinum Public Adjusters has positioned itself as a go-to firm in Miami for both residential and commercial property damage claims. They offer 24/7 availability with multilingual support in English, Spanish, and Haitian Creole — a critical advantage in Miami’s diverse community.


The firm charges zero upfront or out-of-pocket fees and works closely with a network of top contractors, litigators, and specialists throughout South Florida. Their repair and restoration reports are known for being thorough, addressing issues that insurance company adjusters often overlook or intentionally minimize.


Best for: Spanish- and Creole-speaking homeowners, and anyone who needs a firm that partners closely with contractors and litigation specialists.


Phone: 786-789-1400

5. Foremost Public Adjusters

Foremost Public Adjusters is a veteran-owned firm representing home and business owners across Florida and Tennessee. Their financial stability is a notable differentiator — unlike many smaller one- or two-person operations, Foremost has the capital to employ top talent for quantifying claims and the staying power to avoid pressure-settling just to collect fees.

The company provides professional claim representation for a wide range of loss types, and their team is known for being consistently communicative throughout the process. Multiple Yelp reviewers specifically praise Foremost for keeping them informed at every stage and answering questions promptly.


Best for: Property owners who value financial stability in their adjuster and want a firm that will not settle prematurely.

6. Florida’s Best Public Adjusters

Led by Stephen Lippy, Florida’s Best Public Adjusters has grown into what industry peers describe as a statewide powerhouse. The firm operates on a strict no-results-no-charges contingency policy and handles everything from the initial consultation through final settlement negotiation.

Their approach is highly personalized — the team develops a customized plan for each claim based on the specific details and policy language involved. Appraisers who have worked alongside the firm note that Stephen and his team consistently present well-organized, clearly articulated claim documentation that streamlines the resolution process.


Best for: Homeowners who want a personalized, relationship-driven approach from a firm with strong industry relationships.

7. Churchill Public Adjusters

Churchill Public Adjusters focuses on Miami-Dade County and the broader South Florida region, covering Fort Lauderdale, Palm Beach, and Boca Raton. They handle a wide range of claims including roof damage, denied claims, flooding, broken pipes, plumbing issues, and HVAC-related losses — a common and often expensive problem in Florida’s climate.

Churchill offers free home inspections and consultations, and their adjusters will attend depositions on your behalf. They file all necessary documentation and handle communication with your insurance carrier directly. The firm also provides educational resources to help homeowners understand what their policies typically cover.


Best for: Miami-Dade homeowners dealing with denied claims or hidden damage who want hands-on local representation.

8. Trusted Public Adjusters Inc

Founded by Raul Amorin, Trusted Public Adjusters Inc operates out of Miramar and serves the greater Miami-Dade and Broward County areas. Raul holds a Florida All Lines Adjuster license (#W051541) along with IICRC water restoration certification, Normi mold assessment and remediation certifications, and Xactimate proficiency — a credential stack that few competitors can match.

With over 11 years in the industry and thousands of claims handled, Raul has assisted clients through mediations, appraisals, and even court testimony. Client reviews consistently praise the firm’s communication and personal touch, particularly from bilingual Spanish-speaking clients.


Best for: Policyholders with complex or denied claims who need an adjuster with advanced technical certifications and mediation experience.

9. Best Public Adjusters (BP Adjusters)

Led by Marat (Mark) Zitsbank, Best Public Adjusters brings over 20 years of public adjusting and policy advocacy experience combined with 25-plus years of real estate and property management knowledge. The firm is based in North Miami Beach and represents residential, commercial, and condo association insurance claims.

BP Adjusters is known for excelling in complex cases. They offer a full suite of services including claim dispute resolution, unbiased damage valuation, and streamlined mediation and arbitration — a useful alternative to costly litigation.


Best for: Condo associations and commercial property owners with complex multi-unit claims.

Phone: 305-705-7913

10. Alconero and Associates Public Adjusters

Alconero and Associates brings over 25 years of certified public adjusting experience in Florida. They serve Miami-Dade, Broward, and Palm Beach counties and have built a strong reputation for thorough, prompt inspections and aggressive claim negotiation.

The firm covers the full range of residential and commercial claims including hurricane damage, water leaks, fire, smoke, theft, vandalism, mold, and roof damage. They also handle business interruption claims — a specialty that is particularly relevant for Miami’s commercial property owners after storm events.


Best for: Property owners who need a firm with deep experience across both residential and commercial claim types, including business interruption.

Phone: 855-642-5246

Quick Comparison Table

Rank

Firm

Top Specialties

Languages

Fee

1

Recovery Claim Adjusters

All perils, tech-driven inspections

EN, ES

Contingency

2

Statewide Public Adjusting

All perils, residential & commercial

EN, ES

Contingency

3

Noble Public Adjusting Group

Denied claims, large losses, condos

EN, ES

Contingency

4

Platinum Public Adjusters

Residential, commercial, litigation

EN, ES, HT

Contingency

5

Foremost Public Adjusters

All perils, veteran-owned

EN, ES

Contingency

6

Florida’s Best Public Adjusters

Personalized claims, residential

EN, ES

Contingency

7

Churchill Public Adjusters

Denied claims, HVAC, roof, plumbing

EN, ES

Contingency

8

Trusted Public Adjusters Inc

Complex claims, mediation, mold

EN, ES

Contingency

9

BP Adjusters

Condo associations, arbitration

EN, ES, RU

Contingency

10

Alconero and Associates

Hurricane, business interruption

EN, ES

Contingency

 

What Does a Public Adjuster Actually Do?

If you have never hired a public adjuster before, here is what the process typically looks like in Miami:


First, the adjuster conducts a free on-site inspection of your property to assess all visible and hidden damage. This includes moisture readings, photo and video documentation, and a thorough walkthrough of every affected area.


Next, they review your insurance policy in detail. Florida homeowner policies are notoriously complex, and a skilled adjuster knows exactly which provisions, endorsements, and exclusions apply to your specific situation.


The adjuster then prepares a comprehensive claim package — including damage estimates, repair cost projections, and supporting evidence — and submits it to your insurance company. From that point forward, they handle all communication and negotiation with the carrier.


Finally, if the insurer’s offer is inadequate, your public adjuster can escalate through formal channels including appraisal, mediation, or referral to an insurance attorney.


In Florida, public adjusters are regulated by the Department of Financial Services and must hold an active license. They typically charge between 10% and 20% of the final settlement amount, though the exact percentage varies by firm and claim size.

Why Miami Property Owners Need a Public Adjuster

Miami sits in one of the most hurricane-prone corridors in the United States. The city also deals with frequent flooding, tropical storms, high humidity that accelerates mold growth, and aging infrastructure that leads to plumbing failures and water intrusion.


Insurance carriers operating in Florida have tightened their claim practices significantly in recent years. Many homeowners report lowball initial offers, delayed responses, and outright denials for legitimate damage. A licensed public adjuster levels the playing field by bringing professional-grade documentation, policy expertise, and negotiation skills to your side of the table.


Studies and industry data consistently show that policyholders who hire public adjusters receive significantly higher settlements than those who handle claims on their own. The contingency fee model means you only pay if the adjuster increases your payout — making it a low-risk decision for most property owners.

How to Choose the Right Public Adjuster in Miami

Verify their license. Every public adjuster in Florida must hold an active license issued by the Florida Department of Financial Services. You can verify any license at the MyFloridaCFO.com website.


Ask about their experience with your specific damage type. A firm that specializes in hurricane and wind claims may not be the best choice for a complex mold remediation case, and vice versa.


Understand the fee structure upfront. Most Miami public adjusters charge between 10% and 20% on contingency. Make sure you understand exactly what percentage applies and whether there are any additional costs.


Check reviews from multiple sources. Google, Yelp, and the BBB each offer different perspectives. Look for detailed reviews that mention specific outcomes rather than vague praise.


Ask about their team. Some firms are one-person operations while others have full teams including estimators, engineers, and legal support. Larger or more complex claims generally benefit from a firm with deeper resources.

Frequently Asked Questions

How much does a public adjuster cost in Miami?

Most public adjusters in Miami work on a contingency-fee basis, typically charging between 10% and 20% of your final claim settlement. You pay nothing upfront and owe nothing if the adjuster does not recover or increase your payout. Florida law caps public adjuster fees at 20% for most claims and 10% for claims related to a state-declared emergency within the first year.

What is the difference between a public adjuster and an insurance company adjuster?

An insurance company adjuster (also called a staff adjuster or independent adjuster) works for the insurance carrier. Their job is to assess damage and recommend a payout amount that aligns with the insurer’s interests. A public adjuster, by contrast, is a licensed professional who works exclusively for you, the policyholder. They independently assess damage, prepare documentation, and negotiate with the insurance company on your behalf to maximize your settlement.

Can I hire a public adjuster after my claim has been denied in Miami?

Yes. Several of the top firms in Miami — including Recovery Claim Adjusters — specialize in reopening denied or underpaid claims. Under Florida law, you can file a supplemental claim within three years of the date of loss. A public adjuster can review the denial, gather additional evidence, and resubmit the claim with professional documentation to challenge the insurer’s decision.

How long does the public adjusting process take in Miami?

Timelines vary depending on the complexity of the claim and the responsiveness of your insurance carrier. Simple claims like a single-room water leak might resolve in a few weeks. More complex claims involving hurricane damage, structural issues, or denied claims can take several months. A skilled public adjuster can often accelerate the process because they know exactly what documentation insurers need and how to present it effectively.

Do I need a public adjuster for a small claim?

It depends on the claim amount and complexity. For very small claims under a few thousand dollars, the adjuster’s contingency fee may eat into your recovery. However, many homeowners discover that what they thought was minor damage — such as a small water leak — actually involves hidden issues like mold or structural deterioration that significantly increase the claim value. Most public adjusters offer free inspections, so it costs nothing to get a professional opinion before deciding.

Get the Settlement You Deserve

Dealing with property damage in Miami? Do not let your insurance company dictate what your claim is worth. Contact Recovery Claim Adjusters today for a free property inspection and claim consultation. Our licensed team will assess your damage, review your policy, and fight for the maximum settlement — with zero upfront costs.

Call (305) 930-7172 or request your free inspection online.

 
 
 

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