Things to Check While Choosing a Public Adjuster in Miami


Miami is a coastal area that is prone to hurricanes. The rains are abundant from June to November, with showers and thunderstorms in summer.

If your property is damaged by a natural disaster such as a hurricane, tornado, or earthquake, you will need to work with a public adjuster to get the insurance claim process started. However, it can be challenging to know which public adjuster to choose.

There are many factors you will need to consider when making this decision. This post will discuss some of the most important things to check while choosing a public adjuster in Miami.

1. Check Their License

Vintage-designed office with desk, chair, and painting on the wall
Used with permission of Kerry Spears, Nathan Schroeder and Kelli Boyd Photography

When considering hiring a public adjuster, you should first check and ensure they are licensed. In Florida, all public adjusters must be licensed by the Financial Services Department. You can check this at the Department’s website and search for the adjuster in question. If they are not licensed, then it is best to move on and find someone else.

The Department also has a searchable database of all public adjusters currently licensed in the state. Only a licensed adjuster can represent you in a claim, so this is a crucial step to take.

2. Check Their Experience

The next thing you want to check is the public adjuster’s experience. How long have they been working in the field? Do they have experience with your type of claim or the damage that can come from a hurricane? The more experience an adjuster has, the better equipped they are to handle your claim and get you the maximum settlement possible.

Different types of insurance claims for a public adjuster in Miami

  • Homeowners insurance claims
  • Commercial property insurance claims
  • Business interruption insurance claims
  • Hurricane damage insurance claims
  • Water damage insurance claims
  • Flood damage insurance claims
  • Wind damage insurance claims

You want to ensure that your public adjuster has the experience necessary to handle your particular claim.

3. Check Their Charges

Used with permission of Breeze Giannasio

The average public adjuster insurance gross salary in Miami, Florida, is $72,766.

When looking for a public adjuster in Miami, you will want to check their charges. Most public adjusters work on a contingency fee basis, which means they only get paid if they successfully get you a settlement.

The contingency fee is basically a percentage of the total settlement amount, so you will want to be sure that you are comfortable with the public adjuster’s fee before hiring them.

You also want to ensure that there are no hidden fees or charges. Some public adjusters may charge for mileage, expenses, or even a consultation fee. So you must ask about all the fees upfront, so no surprises later.

4. Check Their Track Record and Communication Skills

A public adjuster’s track record can speak volumes about their abilities and professionalism. Ask for references and contact them to get feedback on the public adjuster’s services. Are they responsive to your inquiries? Do they keep you updated on the particular progress of your claim?

Communication is the most critical during this time, so make sure you choose a public adjuster who is responsive and easy to communicate with.

They should respond quickly to all inquiries, keep clients updated on the progress of their claim, and work hard to get them the best settlement possible.


When you are ready to file your claim, be sure to choose one that has a good reputation and is qualified to help you get the most out of your claim.

Thanks to for consulting.


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