Florida Public Adjuster - Statewide Insurance Claim Representation You Can Trust
Statewide Adjusting® is the leading, most respected and best public adjuster in Miami Florida. We are a 5-Star Google Rated company. We can assist policyholders with both residential and commercial property damage insurance claims throughout South Florida and surrounding areas. Our Miami public adjuster is licensed, bonded and insured in the state of Florida. Our public adjusting company license number is #W211582 and can be verified here. Statewide Adjusting® is here for you, the insured. We act on your behalf, NOT the insurance company. If your home or business suffered unexpected property damage, our public adjuster in Miami FL is your best option in getting the insurance claim settlement you need. We have the experience dealing with these companies and claims. We will use our expertise, resources and team to get you the settlement you deserve. You can rest assured that everything is done correctly to get your home or business back immediately.
Every loss is different and Statewide Public Adjusting Services treats each one individually. Statewide Adjusting® will bring a network of trained and licensed professionals to your side in a time of loss or damage to your home or business. Our team can help guide and assist you through each step during the claims process. Our Miami public adjusters will take the burden and pressure of claims filings, documenting, researching, and evaluating all aspects related to your loss.
Every loss is different and Statewide Public Adjusting Services treats each one individually. Statewide Adjusting® will bring a network of trained and licensed professionals to your side in a time of loss or damage to your home or business. Our team can help guide and assist you through each step during the claims process. Our Miami public adjusters will take the burden and pressure of claims filings, documenting, researching, and evaluating all aspects related to your loss.
We Are Insurance Claim Experts
We are experts in the policies issued by the insurance companies. When you have Statewide Public Adjusting Services on your side we make sure the settlement amount you receive is the amount you are owed under the policy. Statewide Public Adjusting Services is knowledgeable and experienced in Property Damage, Appraisals, Estimating, Building code requirements and Insurance policies. Let Statewide Adjusting® get you the maximum return on your claim!
Statewide Public Adjusting Services works tirelessly to make sure you'll receive a full and fair settlement. Get started working with Statewide Adjusting® today! We ensure complete customer satisfaction guaranteed so you know you are getting the best.
Gustavo Garayburu, PA. | CEO and Founder
"Providing competent and reliable advise when you need it most and insuring your entitlement"
What is a Public Adjuster in FloridaA public adjuster is a licensed insurance professional who represents the policyholder — not the insurance company — in the preparation, presentation, and negotiation of property damage claims.
In Florida, public adjusters are licensed by the Florida Department of Financial Services and must comply with strict regulatory standards. Unlike insurance company adjusters, whose duty is to protect the carrier’s financial interest, a public adjuster has a fiduciary responsibility to advocate for the policyholder. The Key Difference Insurance Company Adjuster
Public Adjuster
When significant damage occurs, having professional representation levels the playing field. |
When Should I Hire a Florida Public Adjuster?
Many property owners contact us after their claim has already become complicated. Ideally, a public adjuster should be involved early to ensure accurate documentation from the beginning.
You should strongly consider hiring a public adjuster if your loss involves:
Hurricane Damage
Florida’s exposure to tropical storms and hurricanes makes wind and storm damage claims extremely common. High winds, flying debris, roof uplift, water intrusion, and structural compromise can result in six-figure losses.
Flood & Water Damage
Water losses may involve plumbing failures, appliance leaks, roof intrusion, or storm-related flooding. These claims often involve disputes about:
Fire & Smoke Damage
Fire claims require detailed inventory documentation, structural estimates, and smoke remediation analysis. Undervalued content claims are common.
Roof Damage Claims
Roof claims are frequently underpaid due to:
Mold & Hidden Damage
Mold claims often trigger sublimits and exclusions that require technical interpretation.
Denied or Underpaid ClaimsIf your insurance carrier has:
Professional intervention can significantly change the outcome.
Denied or Underpaid Claims
If your insurance carrier has:
Professional intervention can significantly change the outcome.
You should strongly consider hiring a public adjuster if your loss involves:
Hurricane Damage
Florida’s exposure to tropical storms and hurricanes makes wind and storm damage claims extremely common. High winds, flying debris, roof uplift, water intrusion, and structural compromise can result in six-figure losses.
Flood & Water Damage
Water losses may involve plumbing failures, appliance leaks, roof intrusion, or storm-related flooding. These claims often involve disputes about:
- Scope of damage
- Mold remediation
- Tear-out costs
- Matching statutes
- Flood vs. wind causation
Fire & Smoke Damage
Fire claims require detailed inventory documentation, structural estimates, and smoke remediation analysis. Undervalued content claims are common.
Roof Damage Claims
Roof claims are frequently underpaid due to:
- Partial repair allowances
- Improper slope measurement
- Code upgrade omissions
- Age-related depreciation disputes
Mold & Hidden Damage
Mold claims often trigger sublimits and exclusions that require technical interpretation.
Denied or Underpaid ClaimsIf your insurance carrier has:
- Denied your claim
- Offered a low settlement
- Delayed payment
- Misinterpreted policy language
Professional intervention can significantly change the outcome.
Denied or Underpaid Claims
If your insurance carrier has:
- Denied your claim
- Offered a low settlement
- Delayed payment
- Misinterpreted policy language
Professional intervention can significantly change the outcome.
Understanding the Florida Insurance Claim Process
Insurance claims in Florida follow a general procedural framework, but the practical execution often favors the carrier unless properly challenged.
Step 1: Notice of Loss
The policyholder reports the damage to the insurance company.
Step 2: Insurance Inspection
The carrier assigns a field adjuster to inspect the damage.
Step 3: Carrier Estimate & Coverage Decision
The insurer issues:
Step 4: Dispute & Negotiation
If the settlement is insufficient, negotiations begin.
Step 5: Resolution
Resolution may occur through:
At Statewide Public Adjusting Services, we manage this entire process on your behalf.
Step 1: Notice of Loss
The policyholder reports the damage to the insurance company.
Step 2: Insurance Inspection
The carrier assigns a field adjuster to inspect the damage.
Step 3: Carrier Estimate & Coverage Decision
The insurer issues:
- Scope of loss
- Repair estimate
- Coverage letter
- Payment (if approved)
Step 4: Dispute & Negotiation
If the settlement is insufficient, negotiations begin.
Step 5: Resolution
Resolution may occur through:
- Supplemental negotiations
- Appraisal
- Mediation
- Litigation (if necessary)
At Statewide Public Adjusting Services, we manage this entire process on your behalf.
Why Florida Policyholders Choose Professional Representation
Florida’s insurance environment is complex and constantly evolving. Policy changes, endorsements, exclusions, and statutory updates create a technical landscape that most homeowners are not equipped to navigate alone.
1. Policy Interpretation
Insurance contracts contain nuanced language regarding:
2. Accurate Estimating Software
Insurance companies use industry-standard estimating software such as Xactimate. If you are not using comparable estimating methodology, you are negotiating from a disadvantage.
We prepare detailed, itemized estimates supported by:
3. Burden of Proof
Under Florida law, the policyholder carries the burden to demonstrate the loss. Incomplete documentation weakens claims.
We build comprehensive claim files that support maximum recovery.
1. Policy Interpretation
Insurance contracts contain nuanced language regarding:
- Replacement cost vs. actual cash value
- Ordinance & law coverage
- Deductibles (including hurricane deductibles)
- Sublimits
- Exclusions
2. Accurate Estimating Software
Insurance companies use industry-standard estimating software such as Xactimate. If you are not using comparable estimating methodology, you are negotiating from a disadvantage.
We prepare detailed, itemized estimates supported by:
- Photographic documentation
- Moisture mapping
- Code research
- Contractor coordination
3. Burden of Proof
Under Florida law, the policyholder carries the burden to demonstrate the loss. Incomplete documentation weakens claims.
We build comprehensive claim files that support maximum recovery.
Statewide Public Adjusting Services Across Florida
We represent policyholders throughout every county in Florida, including:
- Miami-Dade County
- Broward County
- Palm Beach County
- Collier County
- Lee County
- Hillsborough County
- Orange County
- Duval County
- Pinellas County
- Sarasota County
- Polk County
- Brevard County
- Volusia County
- Escambia County
- Leon County
- And all surrounding counties statewide
No matter where your property is located, we provide responsive and aggressive claim representation.
Residential Property Insurance Claims
Your home is often your most valuable asset. We represent homeowners with claims involving:
- Roof damage
- Interior water damage
- Structural collapse
- Fire damage
- Lightning strikes
- Storm damage
- Plumbing leaks
- Mold contamination
- Full scope documentation
- Proper depreciation application
- Code upgrade inclusion
- Matching materials consideration
Commercial Insurance Claims
Commercial property losses require a different level of expertise. Business claims may involve:
- Building damage
- Tenant improvements
- Equipment loss
- Inventory damage
- Business interruption
- Extra expense coverage
Business interruption claims require financial documentation, forensic accounting coordination, and revenue loss projections.
We work closely with property managers, condominium associations, retail operators, hospitality businesses, and industrial facilities.
How We Maximize Your Insurance Settlement
Maximizing a claim is not about confrontation — it is about preparation, documentation, and negotiation strategy.
Our methodology includes:
Comprehensive Damage Inspection
We conduct detailed on-site inspections to identify visible and hidden damage.
Advanced Documentation
- High-resolution imaging
- Thermal scanning
- Moisture readings
- Drone roof inspection (when necessary)
Detailed Estimate Preparation
Using industry-standard pricing databases and Florida code compliance standards.
- Comprehensive Scope of Loss Development: Prepare a line-item estimate in Xactimate based on detailed field inspections, accurate measurements, and proper room-by-room breakdowns to ensure all covered damages are fully captured and supported.
- Industry-Standard Pricing Application: Utilize Xactimate’s current Florida price lists with appropriate regional cost modifiers to reflect accurate labor, material, equipment, and overhead costs specific to the claim’s geographic location.
- Florida Building Code Compliance Integration: Incorporate applicable Florida Building Code (FBC) requirements directly into the estimate, including ordinance and law upgrades, wind mitigation components, fastening requirements, and matching considerations where triggered.
- Code-Backed Line Item Justification: Support code-related upgrades and scope expansions with documented FBC citations, photographs, and carrier policy provisions to substantiate supplements and defend the estimate during negotiations.
- Ongoing Estimate Revisions & Supplements: Update the Xactimate file as new damages are discovered, pricing lists are revised, or engineering reports are received, ensuring the claim valuation remains accurate, defensible, and compliant throughout the adjustment process.
Policy Leverage Strategy
We identify applicable coverages that may be overlooked, including:
- Ordinance & Law
- Debris Removal
- Additional Living Expenses
- Loss of Use
- Code upgrade requirements
Strategic Negotiation
We communicate directly with:
- Field adjusters
- Desk adjusters
- Carrier supervisors
Our objective is a fair and maximized settlement without unnecessary delay.
Common Insurance Company Tactics We Counter
Policyholders frequently encounter:
- Partial roof repair approvals when full replacement is warranted
- Depreciation miscalculations
- Omission of code-required upgrades
- Low unit pricing
- Delayed inspection scheduling
- Request for repeated documentation
We respond with evidence-based rebuttals supported by documentation and policy language.
Frequently Asked Questions
How much does a Florida public adjuster cost?
Public adjusters in Florida typically work on a contingency fee basis, meaning compensation is a percentage of the final settlement amount.
Is hiring a public adjuster worth it?
In significant losses, professional representation often results in substantially higher settlements compared to unrepresented claims.
Can I hire a public adjuster after I already filed a claim?
Yes. We can step in during any stage of the claim process.
Do you handle hurricane claims?
Yes. We represent policyholders for wind, storm surge (where applicable), and resulting water damage.
Do you work statewide?
Yes. We represent property owners across all Florida counties.
Public adjusters in Florida typically work on a contingency fee basis, meaning compensation is a percentage of the final settlement amount.
Is hiring a public adjuster worth it?
In significant losses, professional representation often results in substantially higher settlements compared to unrepresented claims.
Can I hire a public adjuster after I already filed a claim?
Yes. We can step in during any stage of the claim process.
Do you handle hurricane claims?
Yes. We represent policyholders for wind, storm surge (where applicable), and resulting water damage.
Do you work statewide?
Yes. We represent property owners across all Florida counties.
Why Choose Statewide Public Adjusting Services?
✔ 5-Star Google Rated
✔ BBB Certified
✔ Over 7 Years in Business
✔ Statewide Representation
✔ Residential & Commercial Expertise
✔ Aggressive Claim Negotiation
We are committed to protecting policyholders — not insurance company profits.
Schedule Your Free Claim Consultation Today
Property damage is stressful enough. You do not have to navigate the insurance process alone.
If your home or business has suffered hurricane, water, fire, roof or storm damage anywhere in Florida, contact Statewide Public Adjusting Services today.
We will review your policy, inspect your damage, and provide a professional claim strategy designed to maximize your recovery.
Your insurance company has experts protecting them. Make sure you have experts protecting you.
Contact our public adjuster at (305) 244-4247 for a FREE consultation, or send us an Email to [email protected] to see if we can help you with your homeowner’s insurance claim. Let us help you handle your insurance claim. We look forward to working with you!
Statewide Public Adjusting Services
Florida Public Adjuster – Serving All Counties
Available for Immediate Claim Assistance
Call today for a FREE consultation and protect the settlement you deserve.
|
|
|
Our Public Adjuster at Statewide Adjusting® Can Serve the Entire State of Florida
We can assist home & business owners with hurricane, wind, storm, lightning damage, flood, mold, plumbing leaks, broken pipes, water damage, roof leaks, fallen trees, structural collapse and fire damage in the following areas: The Florida Keys, Marathon, Key West, Tavernier, Islamorada, Key Largo, Florida City, Homestead, Kendall, Coral Gables, Pinecrest, Palmetto Bay, Miami, Hialeah Gardens, Miami Lakes, Miami Beach, Star, Palm & Hibiscus Island, Sunny Isles, Golden Beach, Aventura, Hollywood, Hallandale Beach, Sunrise, Lauderhill, Lauderdale Lakes, Plantation, North Lauderdale, Coconut Creek, Fort Lauderdale, Weston, Davie, Southwest Ranches, Cooper City, Pembroke Pines, Miramar, Margate, Tamarac, Coral Springs, Parkland, Deerfield Beach, Pompano Beach, Lighthouse Point, Boynton Beach, Delray Beach, Boca Raton, Lake Worth, West Palm Beach, Port St Lucie, Melbourne, Palm Bay, Orlando, Kissimmee, Winter Haven, Clermont, Ocoee, Apopka, Altamonte Springs, Sanford, Deltona, Orange City, Deland, Daytona Beach, Jacksonville, Panama City, Pensacola, Destin, Miramar Beach, Tallahassee, Crawfordville, Keaton Beach, Perry FL, Horseshoe Beach, Steinhatchee, Madison, Lake City, Live Oak, Jasper, Gainesville, The Villages, Ocala, Cedar Key, Spring Hill, Lakeland, Clearwater Beach, Tampa Bay, St Petersburg, Bradenton, Plant City, Sarasota, Venice, Port Charlotte, Punta Gorda, Sanibel, Estero, Fort Myers, Cape Coral, Lehigh Acres, Bonita Springs, Naples & Marco Island.
Business Hours Telephone Fax E-Mail
M-Sun: 24 Hours (305) 244-4247 (305) 402-3298 [email protected]
M-Sun: 24 Hours (305) 244-4247 (305) 402-3298 [email protected]
© 2026 Statewide Public Adjusting Services, Inc. Gustavo Garayburu. President. FL PA License #W211582.
Georgia. 3303070. South Carolina. 17362153.
17431 SW 153rd Ct, Miami, FL 33187
Privacy Policy
Georgia. 3303070. South Carolina. 17362153.
17431 SW 153rd Ct, Miami, FL 33187
Privacy Policy