Dealing with property damage in Miami-Dade can be overwhelming—especially when it’s time to file an insurance claim. A public adjuster can make a big difference in how much you recover and how smoothly the process goes.
Here’s what to look for when choosing the right public adjuster for your claim:
✅ 1. Check Licensing and Local Experience
Make sure the adjuster is licensed in Florida and experienced with claims in the Miami-Dade area. Local knowledge matters—especially when dealing with hurricanes, flood zones, and older structures.
✅ 2. Ask About Their Process
A good adjuster should:
- Inspect the damage in person
- Create a detailed estimate
- Handle communication with your insurance company
- Keep you updated every step of the way
✅ 3. Look for Transparency
Be wary of adjusters who:
- Promise big payouts without inspecting the property
- Aren’t clear about their fees (in Florida, public adjusters charge up to 20% for standard claims)
At Captain Claims, we provide written agreements, clear timelines, and we always explain your rights as a policyholder.
✅ 4. Read Reviews and Ask for References
Check online reviews and ask for past client experiences. Word-of-mouth is powerful in Miami-Dade—don’t be afraid to ask questions.
✅ 5. Choose Someone Who Listens
Your adjuster should be a trusted ally, not just a claims handler. Choose someone who listens to your concerns, explains your options, and fights for what’s fair.