Miami Public Adjuster

At Ferriol Law Firm, we understand how frustrating it can be when your insurance company underpays or denies your claim. That’s why we step in as your trusted Miami public adjuster, fighting to make sure you get the compensation you deserve. Unlike insurance company adjusters, who work to protect the insurer’s bottom line, we work for you—the policyholder. Our job is to ensure you receive the maximum payout for your claim, whether you’ve suffered damage from a hurricane, fire, flood, or any other disaster.

In Miami, where severe weather and unexpected damages happen all too often, having a public adjuster on your side is a game-changer. We handle the claims process from start to finish, making sure you don’t have to deal with the headaches of negotiating with your insurance company.

How Are Public Adjusters Different from Insurance Company Adjusters?

Most people don’t realize that when they file an insurance claim, the adjuster sent by the insurance company doesn’t work for them. Instead, they’re looking out for the insurance company’s best interests, which often means minimizing your payout.

Here’s how different adjusters operate:

• Company Adjusters – Work directly for the insurance company and aim to pay out as little as possible.
• Independent Adjusters – Contracted by the insurance company but still focused on keeping claim costs low.
• Public Adjusters (That’s Us!) – We work for you and negotiate to get you every dollar you’re entitled to.

We level the playing field by using our expertise to properly assess damages, interpret your policy, and fight back against lowball offers or unfair denials.

How We Advocate for You

Filing an insurance claim can be overwhelming, but you don’t have to go through it alone. At Ferriol Law Firm, we handle the entire claims process for you, including:

• Inspecting and assessing the damage – We thoroughly evaluate your losses, including hidden damages the insurance company might overlook.
• Reviewing your policy – We go through the fine print to understand your coverage and ensure nothing gets left out.
• Preparing and submitting your claim – We put together a rock-solid claim with detailed reports, photos, and expert estimates.
• Negotiating with your insurance company – We push back on unfair settlements and fight to maximize your payout.
• Handling appeals – If your claim gets denied or underpaid, we don’t back down. We fight for a fair reconsideration.

We know the tricks insurance companies use to delay, deny, and underpay claims, and we won’t let them take advantage of you.

Your Rights as a Policyholder

Many homeowners and business owners don’t realize they have legal rights when it comes to insurance claims. Florida law protects you and allows you to:

• Hire a Miami public adjuster to represent your best interests.
• Receive a fair and timely settlement without unnecessary delays.
• Challenge lowball offers and claim denials through proper legal channels.
• Seek compensation for property damage, lost business income, and even additional living expenses if you’re displaced.

Insurance companies count on policyholders not knowing their rights, and that’s exactly how they get away with paying out less than they should. We make sure that doesn’t happen to you.

Why Working with Us Gets You a Bigger Settlement

The truth is, policyholders who work with a public adjuster receive significantly higher payouts than those who handle claims on their own. Why? Because we know how to:

• Uncover all damages – Insurance companies often overlook or exclude damages. We document everything to maximize your claim.
• Use industry-standard estimating tools – We make sure repair costs are accurately calculated and can’t be disputed.
• Challenge unfair reductions – If the insurer tries to pay less than what you’re owed, we push back with evidence.
• Negotiate aggressively – We don’t just accept the first offer—we fight for what’s rightfully yours.

When disaster strikes, you shouldn’t have to worry about whether your insurance company will do the right thing. That’s our job as your Miami public adjuster.

How Ferriol Law Firm Helps with Public Adjusting

When your home or business suffers damage, navigating the insurance claims process can be overwhelming. Many policyholders assume their insurance company will fairly assess their losses, but unfortunately, that’s not always the case. Insurance companies prioritize their profits, often undervaluing claims, delaying payments, or outright denying valid claims.

At Ferriol Law Firm, we take the stress out of the claims process. As experienced public adjusters in Miami, we work exclusively for policyholders—not insurance companies. Our goal is to ensure you receive the maximum settlement possible for your property damage.

How We Assist Policyholders Throughout the Claims Process

We take a strategic, hands-on approach to public adjusting, ensuring no detail is overlooked. Here’s how we help:

Free Consultation and Policy Review

Before we begin, we offer a free, no-obligation consultation to discuss your situation and evaluate your insurance policy. During this step, we:

• Analyze your policy to determine what is covered and what may be excluded.
• Identify loopholes or vague policy language that insurance companies may try to exploit.
• Advise you on the best course of action for your claim.

Many homeowners and business owners don’t fully understand their policy terms, and insurance companies use this to their advantage. We make sure you know your rights and understand the full extent of your coverage.

Comprehensive Damage Inspection and Documentation

A key part of maximizing your claim is ensuring all damages are properly documented. Insurance companies often send their own adjusters who minimize the reported damage to reduce your payout. We fight against this by:

• Conducting a detailed property inspection to uncover all damages, including those that may not be immediately visible.
• Gathering photographic and video evidence of the damage.
• Consulting with independent experts, such as engineers, contractors, and environmental specialists, to provide professional damage assessments.
• Creating a thorough damage report that strengthens your claim.

We know how to counter the common tactics insurance companies use to downplay claims. Our detailed documentation process ensures that every loss is accounted for, increasing your chances of a higher settlement.

Filing and Managing Your Insurance Claim

Once we have all the necessary evidence, we handle the entire claims process for you. This includes:

• Submitting your claim with complete and accurate documentation.
• Ensuring that your insurance company cannot delay your claim due to missing information.
• Handling all communication with your insurer, so you don’t have to deal with the frustration of back-and-forth negotiations.

We act as your advocate, ensuring your claim is processed correctly and efficiently. With our expertise in Florida insurance laws, we know the deadlines, procedures, and legal requirements insurers must follow—so they can’t take advantage of you.

Negotiating with the Insurance Company

Insurance companies are notorious for offering lowball settlements. They assume that most policyholders don’t have the knowledge or resources to challenge their initial offers. That’s where we step in.

• We review every offer from the insurance company to ensure it is fair.
• If the offer is too low, we negotiate aggressively to secure a higher payout.
• We use industry-standard estimating tools to justify the real cost of repairs.
• Our legal team is prepared to escalate the claim if necessary, including taking legal action if the insurer is acting in bad faith.

Our experience in handling Miami property damage claims means we know how to counter the insurance company’s tactics and fight for the compensation you deserve.

Handling Claim Disputes and Appeals

If your claim has already been denied or underpaid, don’t lose hope—we can still help. Many policyholders accept the first decision from their insurer, not realizing that they have the right to dispute a claim.

We will:

• Review your denial letter to identify errors or unjustified reasoning.
• Reopen your claim and present new evidence that supports a higher payout.
• If needed, escalate your case to mediation, appraisal, or legal action to challenge an unfair decision.

Insurance companies hope you won’t fight back, but with Ferriol Law Firm on your side, you don’t have to accept anything less than what you are rightfully owed.

Why Work with Ferriol Law Firm?

There are many public adjusters in Miami, but not all offer the same level of expertise and commitment. Here’s why homeowners and business owners trust us:

• We have extensive experience in public adjusting and insurance law.
• We handle claims for all types of property damage, including hurricanes, floods, fire, mold, and more.
• We work on a contingency basis—meaning you don’t pay unless we win.
• We provide full-service claim management, from filing to final settlement.
• We fight aggressively to maximize your compensation.

When disaster strikes, your focus should be on rebuilding, not battling your insurance company. Let us handle the claims process while you focus on moving forward.

Types of Claims Ferriol Law Firm Handles

At Ferriol Law Firm, we specialize in handling a wide range of insurance claims in Miami, ensuring homeowners and business owners receive the full compensation they are entitled to. Miami property owners face unique risks, from hurricane damage to water leaks, fire, mold, and vandalism. Unfortunately, insurance companies often delay, deny, or underpay claims, leaving policyholders struggling to recover.

As experienced public adjusters, we step in to fight for your rights, maximizing your claim by thoroughly documenting damages, negotiating with your insurer, and challenging any lowball settlements or wrongful denials. Below are the most common property damage claims we handle.

Hurricane Damage Claims

Miami is no stranger to hurricane damage, and after every major storm, insurance companies receive thousands of claims—many of which they attempt to underpay or reject.

• Common hurricane-related damages:
  
  • Roof damage from high winds
  • Broken windows and structural damage
  • Flooding and water intrusion
  • Mold growth due to excessive moisture
  • Damage to electrical systems and appliances

Insurance companies often try to classify storm damage as wear and tear to avoid paying full settlements. We fight back, ensuring all storm-related losses are properly documented and covered under your policy.

Water Damage Claims

Water damage is one of the most commonly filed claims in Miami, yet it is also one of the most frequently denied or underpaid.

• Types of water damage we handle:
  
  • Burst pipes and plumbing leaks
  • Roof leaks from storms
  • Flood damage from heavy rain
  • Sewer backups and drainage failures
  • Water heater malfunctions

Insurance companies may claim water damage is gradual or preventable, denying coverage based on exclusions hidden in policy fine print. We ensure your insurer honors their obligations and compensates you fairly.

Fire and Smoke Damage Claims

Fires can be devastating, destroying homes and businesses in minutes. Even if flames don’t cause direct structural damage, smoke, soot, and water from firefighting efforts can make properties uninhabitable.

• Fire-related damages we document:
  
  • Structural damage from flames
  • Smoke and soot contamination
  • Water damage from extinguishing efforts
  • Electrical and appliance failures
  • Loss of business revenue due to fire-related closures

Insurance companies may downplay fire-related losses, reducing payouts for repairs, cleanup, and temporary living expenses. We ensure every aspect of your fire claim is accounted for.

Mold Damage Claims

Mold can develop within 24 to 48 hours after water damage, leading to serious health risks and costly remediation efforts. However, many homeowners’ insurance policies try to exclude mold coverage, leaving policyholders to cover thousands of dollars in cleanup costs.

• Common causes of mold damage:
  
  • Leaky roofs and windows
  • Plumbing failures and hidden leaks
  • Flooding and storm damage
  • High humidity and poor ventilation

We know how to prove mold resulted from a covered peril, ensuring your insurance company pays for proper remediation and property restoration.

Roof Damage Claims

Roof damage is a major concern for Miami homeowners, as strong winds, hail, and hurricanes can weaken roofing materials over time.

• Common roof-related issues we handle:
  
  • Missing or cracked shingles from storms
  • Roof leaks and water damage
  • Structural damage from falling debris
  • Hidden roof deterioration from previous storms

Insurance companies often try to attribute roof damage to aging, refusing to cover repairs. We present undeniable evidence that your damage is storm-related and fight to get your roof replacement or repairs fully covered.

Flood Damage Claims

Flood damage is different from standard water damage and is often excluded from homeowners’ insurance policies unless you have separate flood insurance.

• Types of flood damage we handle:
  
  • Rising water from storms and hurricanes
  • Flash floods and storm surges
  • Interior flooding from extreme rainfall
  • Foundation damage due to standing water

Filing a flood insurance claim can be a long and frustrating process, but we ensure all damage is properly documented and that you receive full compensation for rebuilding your property.

Sinkhole Damage Claims

South Florida is prone to sinkholes, which can cause major structural damage to homes and businesses. Unfortunately, insurance companies often try to deny sinkhole claims, arguing that the damage is settling, not an actual sinkhole event.

• Signs of sinkhole damage:
  
  • Cracks in walls, ceilings, or floors
  • Uneven floors or sudden depressions in the ground
  • Doors and windows that no longer close properly
  • Foundation shifting or sinking

We bring in structural engineers and geologists to prove your claim is valid, ensuring your home or business is repaired at no out-of-pocket cost.

Why Choose Ferriol Law Firm for Your Insurance Claim?

• We specialize in Miami property damage claims and understand Florida’s unique insurance laws.
• We handle everything from start to finish, so you don’t have to deal with the insurance company.
• We work on a contingency basis—you don’t pay us unless we recover money for you.
• We negotiate aggressively to ensure you receive the maximum compensation.
• We have a proven track record of helping homeowners and businesses recover faster.

If your insurance company has delayed, denied, or underpaid your claim, we are here to fight for you. Don’t settle for less than you deserve—contact Ferriol Law Firm today for a free consultation.

The Public Adjusting Process Explained

At Ferriol Law Firm, we know that dealing with an insurance claim can be overwhelming, especially when you’re trying to recover from property damage. Insurance companies often use delay tactics, undervalue losses, or deny valid claims, making it difficult for homeowners and business owners to receive a fair payout. That’s why we step in.

As Miami public adjusters, we handle everything from the initial assessment to final settlement negotiations, ensuring that you receive the maximum compensation for your claim. Below is a breakdown of how our public adjusting process works.

Step 1: Free Policy Review and Consultation

Before filing a claim, it’s crucial to understand your policy coverage. Many policyholders don’t realize that their insurance policy may contain exclusions, limitations, or ambiguous language that insurers use to reduce payouts.

During your free consultation, we:

• Carefully review your insurance policy to determine what is covered.
• Identify any loopholes or restrictions that may affect your claim.
• Explain your rights as a policyholder under Florida insurance laws.
• Provide an initial damage assessment and recommend the best course of action.

Many people make the mistake of trusting their insurance company to interpret their policy fairly. Our team ensures that you understand exactly what you’re entitled to before moving forward.

Step 2: Thorough Property Damage Inspection and Documentation

A detailed and well-documented claim is the key to securing a full insurance payout. Insurance companies will often send their own adjusters to assess the damage, but their goal is to minimize the claim value.

We conduct a comprehensive property inspection, which includes:

• Identifying all visible and hidden damages (including structural issues, water intrusion, and mold growth).
• Taking extensive photographic and video evidence of the affected areas.
• Consulting with industry experts (contractors, engineers, and restoration specialists) to verify the true extent of the damage.
• Creating a detailed damage report that accurately reflects the cost of repairs.

By documenting every aspect of the damage, we ensure that insurance companies can’t overlook or dismiss legitimate losses.

Step 3: Filing the Insurance Claim

Once we have gathered all the necessary documentation, we handle the entire claims filing process on your behalf. This includes:

• Preparing and submitting a complete claim package, ensuring all required forms and evidence are included.
• Avoiding common mistakes that could cause claim delays or denials.
• Communicating directly with your insurance company, so you don’t have to deal with frustrating back-and-forth emails or phone calls.

Many policyholders unknowingly submit incomplete or poorly documented claims, giving insurance companies an excuse to delay or reduce payments. We ensure your claim is filed correctly and efficiently from the start.

Step 4: Negotiating with the Insurance Company

After submitting your claim, your insurance company will assign an adjuster to review the damage and offer a settlement. More often than not, their initial offer is significantly lower than what you deserve.

We step in to negotiate aggressively, using our expertise in Florida insurance claims to:

• Challenge any lowball settlement offers that don’t cover the full cost of repairs.
• Present independent expert reports that support a higher payout.
• Push back against unfair depreciation calculations used to reduce claim value.
• Hold the insurance company accountable if they fail to meet legal deadlines.

Our goal is to secure the maximum possible payout while ensuring that your insurance company follows Florida’s insurance regulations.

Step 5: Handling Claim Denials, Disputes, and Appeals

Unfortunately, many valid insurance claims are denied or severely underpaid. If your insurance company refuses to pay what you are owed, we don’t back down.

If your claim has been wrongfully denied, we will:

• Reopen your claim and submit new evidence to challenge the denial.
• File an official dispute with your insurance company, requiring them to reassess their decision.
• If necessary, escalate your case to mediation, appraisal, or legal action to force a fair resolution.

We have successfully helped Miami homeowners and business owners overturn wrongful denials, ensuring they receive proper compensation for their losses.

How Long Does the Public Adjusting Process Take?

The time it takes to settle an insurance claim depends on multiple factors, including:

• The complexity of the damage – Claims involving hurricanes, floods, or fire damage often require additional inspections and expert reports.
• The insurance company’s response time – Some insurers delay claims intentionally, hoping policyholders will accept a lower offer.
• Whether a claim dispute is necessary – If the insurance company is unwilling to offer a fair settlement, the process may take longer.

On average, claims handled by public adjusters are settled faster than those handled by policyholders alone because we know how to expedite the process and push for timely payments.

Why Choose Ferriol Law Firm to Handle Your Claim?

Filing an insurance claim on your own puts you at a disadvantage against the insurance company’s team of adjusters, attorneys, and claims specialists. Working with Ferriol Law Firm ensures that you have experienced Miami public adjusters fighting for your best interests.

What Sets Us Apart?

• Decades of experience handling Florida insurance claims.
• A proven track record of maximizing settlements for policyholders.
• Personalized, client-focused service from start to finish.
• No upfront costs—you only pay us if we recover money for you.
• A deep understanding of Florida’s insurance laws and claims process.

Get Started with a Free Consultation Today

If your property has been damaged by a hurricane, fire, water, or other disasters, don’t leave your claim in the hands of the insurance company. Let us review your case for free and help you secure the full compensation you are entitled to.

Contact Ferriol Law Firm today to speak with a Miami public adjuster who will fight for you.

We take the stress off your shoulders so that you can focus on rebuilding your home or business while we handle the insurance battle for you.

What Makes Ferriol Law Firm Different?

Not all public adjusters in Miami provide the same level of service. Here’s why homeowners and business owners trust us to handle their insurance claims:

We Work for You—Not the Insurance Company

• Insurance adjusters are trained to protect their company’s bottom line by minimizing claim payouts.
• As public adjusters, we work exclusively for policyholders, ensuring you get the full value of your claim.
• We handle all communication and negotiations, so you don’t have to deal with frustrating back-and-forth with your insurer.

We Have a Proven Track Record of Maximizing Settlements

• Many policyholders accept lowball offers because they don’t know their true claim value.
• We use industry-standard estimating tools and work with independent experts to calculate the real cost of repairs and damages.
• Our aggressive negotiation tactics ensure you never settle for less than you deserve.

We Handle All Types of Property Damage Claims

Ferriol Law Firm specializes in a wide range of insurance claims, including:

• Hurricane and storm damage claims
• Water damage and plumbing leak claims
• Fire and smoke damage claims
• Mold damage claims
• Roof damage claims
• Flood damage claims
• Sinkhole damage claims

No matter what type of damage you’ve experienced, we have the knowledge and resources to help you recover the maximum compensation.

We Know Florida Insurance Laws Inside and Out

• Florida has some of the most complex insurance regulations in the country.
• Our team understands the legal deadlines, coverage requirements, and policy loopholes that insurers use to underpay claims.
• We ensure your claim is handled correctly and fairly, using Florida’s policyholder protection laws to your advantage.

No Upfront Costs—You Only Pay If We Win

• We work on a contingency fee basis, meaning we don’t get paid unless we successfully recover money for you.
• Unlike insurance adjusters who work for a salary from the insurance company, we are 100% motivated to secure the highest settlement possible for you.

We Speed Up the Claims Process

• Insurance companies often drag out claims for months, hoping that policyholders will give up or accept a lower settlement.
• Our team ensures that your claim moves forward quickly, applying legal pressure when necessary to prevent unnecessary delays.
• We know how to push insurers to act promptly, ensuring you receive a timely payout for your damages.

We Help with Claim Disputes and Denials

• If your claim has been wrongfully denied or underpaid, we can reopen it and fight for a fair settlement.
• We handle claim disputes, appeals, and legal challenges, using our expertise to counter insurance company tactics.
• Many policyholders don’t realize they can challenge an insurance company’s decision—we make sure you exercise that right.

FAQs About Public Adjusters

What Is the Difference Between a Public Adjuster and an Insurance Company Adjuster?

• Public adjusters work for policyholders, while insurance company adjusters work for the insurance provider.
• A public adjuster’s job is to maximize your settlement, while an insurance adjuster’s job is to protect the insurer’s financial interests.
• Hiring a public adjuster in Miami ensures you have someone fighting on your side during the claims process.

Do Public Adjusters Really Get Higher Settlements?

Yes. Studies have shown that policyholders who hire a public adjuster receive significantly higher settlements than those who handle claims on their own. We have successfully helped clients recover thousands—sometimes even millions—more than their initial insurance company offer.

How Long Does the Claims Process Take?

The timeline depends on several factors, including:

• The complexity of the claim (hurricane damage claims often take longer than minor water damage claims).
• The insurance company’s response time (some insurers delay payments, but we know how to push them).
• Whether the claim is disputed or requires an appeal.

With our help, most claims are resolved faster than if handled without a public adjuster.

Will My Insurance Company Deny My Claim If I Hire a Public Adjuster?

No. Florida law allows policyholders to hire a public adjuster to represent their best interests. Insurance companies may try to discourage you from hiring one—but that’s only because they know we fight for full compensation.

How Do I Get Started with Ferriol Law Firm?

Getting started is easy.

• Contact us for a free consultation.
• We review your policy and assess your damages at no cost.
• If you choose to move forward, we handle everything from claim filing to final settlement negotiations.

Don’t Let Your Insurance Company Underpay You—Get a Free Consultation Today

If you’re struggling with a delayed, denied, or underpaid insurance claim, Ferriol Law Firm is here to help. Our Miami public adjusters fight for policyholders, ensuring you receive every dollar you’re owed.

• We work on a no-win, no-fee basis—you don’t pay unless we recover money for you.
• We handle all types of property damage claims, from hurricanes and water leaks to fire and mold damage.
• We have a proven track record of maximizing settlements and holding insurance companies accountable.

Don’t settle for less than what your policy entitles you to. Contact Ferriol Law Firm today for a free consultation and let us fight for the compensation you deserve.