Miami-Dade County Public Adjuster

Miami-Dade County covers the Southeast region of Florida, with Miami as the county seat and a population of approximately 2,673,837. Miami-Dade, Broward, Monroe. High-density, high-value, hurricane-exposed. Florida's largest claim market in both volume and dollar value. Expect long inspection timelines and heavy documentation standards.

Establish the elevation of that unit above grade, in writing, on day one. Flood is surface water rising. Water that entered at a slider several floors up did not rise from the ground, and elevation is an argument nobody can answer. The technical piece that wins these: sliding glass doors are tested to a water penetration resistance rating at a specific design pressure. Wind-driven rain above that pressure will pass a perfectly functioning, correctly installed door. It means the water was driven by wind, which puts you in the wind policy.

First 48 hours, photograph: the water line and its direction of travel across the floor, the slider track and whether the weep holes are clear or blocked, the exterior sealant joint at the frame perimeter, the balcony drain, and the condition of the units above and below.

Florida Statute 718.111(11)(f) draws the line and it is more specific than either carrier will admit. The association insures the condominium property as originally installed, and that includes the original drywall inside your unit. The statute then carves out and assigns to the unit owner: floor coverings, wall coverings, ceiling coverings, electrical fixtures, appliances, water heaters, water filters, built-in cabinets and countertops, and window treatments. Read that against the same damaged wall and it splits down the middle. The drywall is the association's. The paint, wallpaper, or tile on the face of it is yours. The flooring is yours.

That is not a negotiation between two adjusters. It is a statute, and the fastest way to end the standoff is to put it in front of both of them in one letter with the subsection cited. My role is to adjust both sides of that statutory line for one client, so that nothing lands in the gap.

— Eli Goins, Florida licensed public adjuster #P159790. Ocean Point Claims Company (FL DFS #W829547).

As of 2026-05-31, about 71,144 Miami-Dade County properties were insured by Citizens Property Insurance, Florida's state-backed insurer of last resort. Citizens is where homeowners land when private carriers decline or non-renew them, so its local footprint is a useful read on how hard the private market is here. Every carrier, Citizens included, has its own claim-handling patterns: how fast it pays, what it denies first, how it scopes roof and hurricane claims. Know yours before you file.

Miami-Dade County has taken documented impact from 5 named storms since 1992. The most severe local losses came from Hurricane Andrew, Hurricane Wilma. Each one shaped how carriers underwrite and adjust claims here, which is why storm causation and the date of loss matter on every Miami-Dade County claim.

Miami-Dade County's building stock shapes its claim profile. The median owner-occupied home is valued near $463,000 and dates to about 1980, with 64.6% of the stock built before 2000. Older roofs, pre-modern-code construction, and manufactured housing all draw closer carrier scrutiny on wind, roof, and water claims, and are where scope and payment disputes concentrate.

If your Miami-Dade County claim is denied, delayed beyond statutory windows, or lowballed on scope, a licensed Florida public adjuster is the right next step. We are licensed by the state of Florida (DFS) under Florida Statute 626.854 to represent policyholders. The Homeowner Claim Bill of Rights spells out what carriers must do for you.