Public adjuster in Miami, FL
Aviva Insurance Adjusters is a licensed Florida public adjusting firm that works Miami and Miami-Dade County. We represent Miami homeowners, condo owners and business owners, never insurance companies, on hurricane, roof, water, flood and condominium claims.
Se habla español. Lea esta página en español
Get a free claim review
Tell us what happened and a licensed public adjuster will call you back. No upfront cost.
Why Miami claims are different
Miami-Dade knows how big a hurricane can get. Before Hurricane Irma in 2017, the county issued the largest mandatory evacuation in its history, ordering more than 660,000 residents to leave.
Roofs sit at the center of many Miami claims. Florida’s 2022 roof law, SB 4-D, changed the 25% rule: a roof built to the 2007 Florida Building Code or later only needs the damaged section brought to current code. But many Miami homes have roofs older than March 1, 2009, and for those the 25% rule can still require replacing the whole roof.
Miami owners face claim problems we see again and again.
- Roof age and the 25% rule
- Carriers often offer a patch where code may require more. A roof’s age and condition, and how much of it was damaged, decide whether it’s a repair or a replacement.
- Water damage from A/C, pipes and appliances
- These are some of the most common claims in Miami, and carriers often deny them as long-term seepage. Timing and cause decide the claim.
- Condos and loss assessments
- High-rise owners deal with the association’s master policy, their own HO-6 and special assessments. Florida law gives you until the later of 1 year after the loss or 90 days after the association votes an assessment to give notice.
- Spanish-language claims
- We handle your claim in Spanish from the first call to the final settlement.
How we resolve Miami claims
Every claim starts with a complete, documented estimate of the damage. From there, we use whichever path gets the claim paid in full.
- Negotiated settlement
- We present the evidence, submit supplements for missed damage and negotiate directly with the carrier. Many claims are resolved here with a signed settlement and release.
- Appraisal
- When the dispute is over the amount of the loss and your policy includes an appraisal clause, each side names an appraiser and an umpire decides any disagreement. Jose Villacis is a WIND- and IAUA-certified appraiser and umpire.
- Mediation
- We prepare the claim and represent you at mediation, where a neutral mediator helps both sides reach a settlement. Mediation is one of the most common ways our claims are resolved.
- Litigation support
- If a carrier still won’t pay what the policy owes, we prepare the complete claim file, including documentation, estimates and claim history, so it’s ready for your attorney before a lawsuit is filed. Attorneys also hire us as insurance loss consultants to prepare estimates and document damages for their cases.
Every claim is different, and the right path depends on your policy and the dispute.
Claims we handle in Miami
- Hurricane and windstorm
- Flood and storm surge
- Roof leaks and roof damage
- Pipe bursts and water damage
- Mold from a covered peril
- Fire and smoke
- Fallen trees
- Lightning
- Power surges
Areas we serve around Miami
Miami, Coral Gables, Hialeah, Kendall, Doral, Miami Beach, North Miami, Homestead, Cutler Bay and the rest of Miami-Dade County. We also handle claims in Broward and Palm Beach counties and all of Florida.
Why Miami property owners choose Aviva
- On site when it counts. we inspect your property in person, then handle follow-up by phone, email and video so your claim keeps moving.
- Licensed. Florida Public Adjusting Firm License #W869253. Jose Villacis, President and Principal Adjuster, holds Florida Public Adjuster License #P110421.
- Appraisal and umpire experience. Jose is a WIND- and IAUA-certified appraiser and umpire, which matters when a claim goes to appraisal.
- 18+ years of Florida property claims experience.
- Bilingual. English and Spanish, from the first call to the final settlement.
- No upfront cost. We only get paid if your claim pays, and our fee never exceeds Florida’s legal caps.
Miami public adjuster FAQ
Does Florida’s 25% roof rule still apply?
Sometimes. Since 2022, if your roof was built or replaced to the 2007 Florida Building Code or later (generally roofs installed after March 1, 2009), only the damaged section must meet current code. Older roofs with 25% or more damaged can still require full replacement under the code. That difference can change a repair estimate into a full roof claim.
My A/C leaked and damaged my floors. Will the insurer say it’s been leaking for months?
It often tries. Many policies exclude repeated leakage over 14 days or more but cover sudden discharges. Plumber and A/C technician reports, photos and moisture readings help establish when and how the water escaped.
¿Pueden manejar mi reclamo en español?
Sí. Jose Villacis, nuestro presidente y ajustador principal, habla español, y manejamos su reclamo en español desde la primera llamada hasta el acuerdo final.
Talk to a Miami public adjuster today
Free claim review, no upfront cost. Se habla español.
Aviva Insurance Adjusters, Corp., 7416 Community Ct., Hudson, FL 34667Storm and local facts: Miami-Dade County Hurricane Irma preliminary report; Florida Senate SB 4-D bill analysis. Aviva Insurance Adjusters, Corp. is an independent Florida public adjusting firm and is not affiliated with Aviva plc, Aviva Canada or any insurance carrier. FL Public Adjusting Firm Lic.# W869253.