Licensed public adjuster in Florida. A free evaluation of your property claim.
Firm license W824117 · English and Spanish · Free evaluation
Public Adjuster in Miami · Residential and Commercial Property Insurance Claims in Florida
AI assistantThis assistant uses artificial intelligence. Its replies are general, automatically generated guidance and may contain mistakes. Messages are processed by an AI provider to produce each reply and are not stored on this website. If you ask for a call back, Tony sends your name, phone number, the property address and a short summary to our team’s customer management system so the team can contact you. Please don’t share sensitive personal or policy information. Privacy Notice
Initial guidance does not replace an evaluation by a licensed public adjuster.
- Licensed public adjusterFlorida license W319359
- English and SpanishTalk in the language you prefer
- Free first evaluationBy phone, Zoom or a home visit
- South FloridaMiami-Dade, Broward and Palm Beach
PROPERTY CLAIMS, PERSONAL ATTENTION
Property insurance claim services in Miami and South Florida
Public adjuster in Miami for property insurance claims on homes and businesses across Florida. Start with a free evaluation of your situation.
Water Damage Claims
A clearer starting point for leaks, plumbing incidents and water damage to your home or business.
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Help connecting visible roof damage, interior leaks and the documents behind your insurance claim.
Explore this serviceHurricane & Storm Damage Claims
Organize the impact of a hurricane or storm on your property, one affected area at a time.
Explore this serviceFire & Smoke Damage Claims
A considered review of fire, smoke and related property damage once everyone is safe.
Explore this serviceMold-Related Property Claims
Discuss reported moisture or mold-related property damage and the records relevant to a claim review.
Explore this serviceDenied Insurance Claim Review
Start with the written decision and get a clearer picture of the information behind a denied property claim.
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Compare the insurer’s estimate with the documented damage and available repair estimates.
Explore this serviceTheft & Vandalism Claims
Help documenting reported theft, forced entry or intentional damage to residential and commercial property.
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About Ricardo
Ricardo Arevalo, licensed public adjuster in Florida
Ricardo Arevalo is the public adjuster behind Ricardo Public Adjusters Corp., helping residential and commercial property owners in Florida navigate property insurance claims. His approach starts with a conversation: understanding what happened, reviewing the information available, and explaining the next steps clearly.
RicardoPA offers a free initial evaluation and consultations by phone or Zoom, with visits to the client's home by appointment. Whether you are exploring a new claim or seeking help with an existing one, the focus is on listening, documenting your situation, and helping you make informed decisions about your claim.
HOW IT WORKS
How we work on your property insurance claim
Tell us what happened
Share the type of damage and where you are in the claims process. We listen and explain what information is useful.
Review and document
We review the available information and discuss the damage, supporting records and next steps appropriate to your claim.
Move forward with representation
If we agree to work together, we help present and manage your claim with clear communication along the way.
WHY A PUBLIC ADJUSTER
Why hire a public adjuster in South Florida
When damage interrupts your day-to-day life, professional representation can help you make sense of the work ahead.
Understand the details
A closer look at the information, estimates and correspondence involved in your claim.
Document what matters
An organized view of the damage and the records that support your situation.
Have representation
A public adjuster represents the policyholder’s interests in the claims process.
Keep the conversation clear
A point of contact to discuss the process, your questions and the next step.
Client experiences
What clients say about Ricardo Public Adjusters
“Super responsive to any request and messages sent.”
“… knowledgeable, professional and truly care about their clients.”
“… very helpful throughout the claim process …”
“This company is fast, answers the phone and makes a nightmare process simple.”
“They have guided me through the whole process and have been a great help!”
“He then inspected areas of concern and educated me on my options and gave me an honest opinion.”
Selected excerpts from individual experiences. Results vary from claim to claim.
BEFORE WE TALK
Common questions about public adjusters and property claims
What does a public adjuster do?
A public adjuster represents the policyholder in the property insurance claims process. The work can include reviewing information, documenting damage and communicating with the insurer.
Can I contact you after a claim is denied or underpaid?
Yes. Have your insurer's written decision or estimate ready when you call. We can discuss your situation; a review does not guarantee coverage or a different outcome.
What should I prepare for a conversation?
A short description of the damage, the approximate date, photos taken safely and communications from your insurer are useful starting points. Please leave policy numbers and other sensitive details out of the form and the assistant; we will ask for documents later through an appropriate channel.
What if the damage is still happening?
Put safety first. For an immediate threat, contact emergency services or the appropriate utility. Avoid unsafe areas, and discuss urgent mitigation with qualified professionals.
How can I arrange a free evaluation?
Call 305-394-8090 to arrange a phone or Zoom consultation. Home visits are available by appointment. We do not receive clients at our mailing address.
Will this website submit my claim?
No. The assistant helps you understand your situation and organize the basics, but it does not submit a claim or book an appointment. If you ask for a call back, it collects the same details as the evaluation form and sends them to our team so a public adjuster can contact you. You can also use the form, call or email us directly.
Questions people ask
Public adjuster in Miami: what people ask
What is a public adjuster company?
A public adjuster company is a firm of public adjusters who are licensed by the Florida Department of Financial Services and hired by the policyholder, not by the insurer. They document the damage, review the policy, prepare a detailed estimate and communicate and negotiate with the insurance company on your behalf. At Ricardo Public Adjusters, the adjuster who personally works your claim is Ricardo Arevalo, Florida license W319359.
What not to tell a claims adjuster?
Avoid guessing where the damage came from or how long it has been there, such as saying a leak has been going on for months, and avoid saying the damage does not look that bad. Do not rush to accept a settlement amount or offer repair estimates before the damage has been reviewed by a professional. Stick to facts you can show, and if you do not know something, say so instead of guessing.
Is it good to get a public adjuster?
It depends on the claim. A public adjuster often makes sense when the damage is extensive, several parts of the property are affected, or the insurer denied or underpaid the claim, while a small, straightforward claim may be handled without one and without a fee. You are never required to hire one, and of the adjusters you may meet after a loss, only the public adjuster represents you.
What are the public adjuster fees for property damage claims in Florida?
Public adjusters usually work on a contingency fee, and section 626.854 of the Florida Statutes caps it at 20 percent of claim payments, or 10 percent for claims tied to a declared state of emergency during the year after the declaration. No fee applies to amounts the insurer paid, or agreed in writing to pay, before you signed the contract, and if nothing is recovered, no fee is owed. RicardoPA confirms the exact percentage for your claim in writing before you sign.
Serving Florida property owners
Public adjusters serving Miami-Dade, Broward, Palm Beach and all of Florida
Residential and commercial claim consultations throughout Florida, by phone or Zoom. Share your property’s location so we can confirm availability for an in-person visit.
Miami-Dade · Broward · Palm Beach · Across Florida
LET’S TAKE THE NEXT STEP
Request a free evaluation of your property claim
Start with a free initial evaluation. Call to arrange a consultation by phone or Zoom, or a visit to your home by appointment.
Call Now · 305-394-8090- claims@ricardopa.com
- Office hours
- Monday to Saturday, 9:00 AM to 6:00 PM
- Mailing address
- 6800 Bird Rd, Suite 221, Miami, FL 33155Mailing address only. We do not receive clients here.
Tell us about your property.
A few details to start your free evaluation. We will contact you to arrange a phone or Zoom consultation.