Public Adjuster Miami, FL

Licensed public adjusters serving Miami and Miami-Dade County: hurricane, water, fire, and commercial property claims handled end to end on contingency.

Call (305) 336-3302 Free inspection
Miami · Miami-Dade County

Local claims help that works only for you.

Miami-Dade properties carry significant hurricane and windstorm exposure, plus high rates of water damage from aging plumbing and roof leaks. Insurance company adjusters in Miami regularly underscope these losses.

Vanguard Claims represents Miami policyholders, never the insurance company. We document the full scope of your loss and negotiate for the settlement your policy owes, on contingency. No upfront fees; we're only paid after you recover.

Local market

Why Miami homeowners face underpaid claims

Miami-Dade carries some of the highest property-insurance premiums and the most concentrated coastal exposure in Florida. As carriers tightened underwriting and more policyholders shifted onto Citizens Property Insurance, settlement offers got leaner, and the gap between a first offer and what a policy actually owes got wider.

Miami's housing runs from high-rise condos and 1920s coastal homes to dense post-war neighborhoods, and each presents a different claim. Wind-driven rain, aging plumbing, flat-roof failures, and the humidity-fueled mold that follows water losses are all routinely under-scoped on a carrier's first pass.

Storm exposure

Miami-Dade County storm & damage exposure

Miami-Dade is Florida's most populous county and one of the most expensive places in the country to insure a home. High premiums, dense coastal building stock, and aging plumbing make thorough documentation the difference between a lowball offer and a full settlement.

  • Hurricane Irma (2017). Brought tropical-storm-to-hurricane-force winds and heavy rain to Miami-Dade, driving widespread roof and water-intrusion claims.
  • Hurricane Andrew (1992). Made landfall in south Miami-Dade as a catastrophic storm and remains the benchmark for severe South Florida wind loss and building-code reform.
  • Hurricane Wilma (2005). Caused extensive wind, roof, and power losses across Miami-Dade and South Florida.
Florida's insurance market

Florida's market and the 25% roof rule in Miami

Florida's property-insurance market has tightened sharply: national carriers have pulled back, premiums have climbed, and more homeowners (including many in Miami-Dade County) have moved onto Citizens Property Insurance. Leaner first offers and harder roof claims are the direct result.

Florida's building code has historically required that when more than 25% of a roof section is repaired or replaced within a 12-month period, that section be brought up to current code. A 2022 law (SB 4-D) added an exception for roofs already built or repaired to the 2007 Florida Building Code or later, which may only need the damaged portion brought to code. How it applies depends on your specific roof and claim. We review it against your policy.

General information

This is general information about Florida law and the local market, not legal advice. Coverage and code requirements depend on your policy and property.

Where we work

Miami neighborhoods we serve

We handle hurricane, water, roof, fire, and mold claims for homeowners and businesses across Miami, including:

  • Brickell
  • Coconut Grove
  • Coral Way
  • The Roads
  • Little Havana
  • Edgewater
  • Morningside
  • Shenandoah
  • Flagami
  • Upper Eastside
Nearby communities

Public adjusters serving Miami-Dade County beyond Miami

Our Miami public adjusters also represent homeowners and businesses in neighboring Miami-Dade County communities, including Miami Beach, North Miami Beach, Miami Gardens, Miami Shores, West Miami, North Miami, Aventura, Doral.

How we help in Miami

Services for Miami-Dade County

Residential Claims

Homeowner property damage claims, handled end to end.

Commercial Claims

Business interruption and commercial property losses.

Supplement Claims

Underpaid or partially denied claim? We reopen it.

Appraisal & Mediation

Dispute resolution when you and the insurer disagree.

Denied Claims

A denial is rarely the end. We re-inspect, rebuild it, and fight back.

Claims we handle in Miami

Every major property loss.

Hurricane Damage

Hurricane or storm damage claim? We document every loss and fight for the full payout your policy owes.

Water Damage

Water damage from plumbing, roof leaks, or flooding? We document the full scope and negotiate fair payment.

Roof Damage

Roof damage from storms, hail, or wind? We document the full loss and push back on carrier underpayments.

Fire & Smoke

Fire or smoke damage to your home or business? We scope every affected area and fight for full restoration.

Mold Damage

Mold damage from a covered water loss? We document the connection and fight for full remediation coverage.

The process

From inspection to settlement.

Step 01

Free inspection & policy review

We visit your property, document all damage, and review your policy to understand exactly what you're owed, at zero cost to you.

Step 02

We build your claim

Our team prepares a comprehensive damage report with evidence, accurate repair estimates, and documentation built to withstand insurer pushback.

Step 03

Negotiate & maximize

We negotiate directly with your insurer on your behalf. We don't stop until you receive the full, fair settlement you deserve.

Client stories

Real reviews from the policyholders we represent.

  • Dayna is the absolute BEST! I was honestly so overwhelmed with my claim and I had no idea what was up and what was down all while they were tearing my house apart from water damage. Dayna took the reins and I was never more thankful. She was incredibly communicative through the whole process and advocated for me tirelessly to make sure that once everything is done, I was made whole again.
    Julia Sprankle
    Water damage claim · Google review, May 2026
  • I had an excellent experience working with Vanguard Solutions LLC. Andrew Pichardo was incredibly knowledgeable and assisted me through every step of the process. His expertise provided me with the peace of mind knowing that my claim was being handled to the best of its ability. I highly recommend their services to anyone looking for professional and thorough support.
    Joey Richardson
    Google review · July 2026
  • Andrew is very knowledgeable with over 10 years experience in the industry. He can help you get what you are owed for your losses. He does not make empty promises. He is honest and reliable. Highly recommended.
    Terry Wright
    Google review · January 2026
  • Cannot express how much I recommend Andrew and his team. I felt out of my depth talking about insurance, expecting huge buzz words to just be thrown my way, but all of my issues were explained, and taken care of in a way that was easy to understand, and made me feel like a priority.
    Tre Penna
    Google review · February 2026
  • We have worked with Vanguard Claims. They work hard to help their clients get what they deserve to repair their homes.
    Vaughan Yost
    Google review · February 2026
  • I highly recommend Andrew and Vanguard Claims Solutions! He is extremely knowledgeable and will fight for his clients!
    Mark Steinbrueck
    Google review · February 2026

4.6 ★ average from 9 verified reviews · Read them on Google

Miami questions

Public adjuster Miami FAQ

Nothing upfront. We work on contingency across our Florida service area, which means we're only paid from what we actually recover for you, and only after your carrier pays. If we don't recover, you don't pay.
Yes. A large part of our work is reopening denied, delayed, and underpaid claims. We re-scope the loss, rebuild the documentation, and submit a supplement or invoke the appraisal clause when the carrier won't pay fairly.
Hurricane and windstorm, water, roof, fire and smoke, and mold damage, plus commercial property and business-interruption losses for homeowners and businesses throughout the area.
Most inspections are scheduled within a couple of days, and we aim for a same-day callback. For active losses, we move fast so evidence is documented before it's lost.
No. Your carrier's adjuster represents the insurance company. As a licensed public adjuster, Vanguard represents only you, the policyholder, through every stage of the claim.
Florida deadlines apply statewide. For policies effective on or after December 16, 2022, you generally have one year from the date of loss to report a new claim and 18 months for a supplemental claim (Fla. Stat. § 627.70132). Older policies may allow longer. Document and report early; storm evidence fades fast.
As Florida carriers tightened underwriting and more Miami-Dade County homeowners moved onto Citizens Property Insurance, first offers got leaner and roof and water claims got harder to settle. A complete, well-documented scope is what closes the gap between a lowball offer and what your policy actually owes.
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Need a public adjuster in Miami?

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No upfront fees · free inspection · office@vanguard-claims.net