Residential Property Claims in Miami

Got property damage? Start here

The first steps protect both your home and your claim:

• Move to safety and follow emergency guidance before anything else
• Take reasonable steps to prevent further damage, such as shutting off the water or covering the roof with a tarp, and keep every receipt
• Photograph the damage from a safe place before repairs, and keep damaged materials until they are documented
• Report the loss to your insurer promptly; Florida requires notice of a new claim within 1 year after the date of loss

What our residential claim service includes

As your public adjuster, RicardoPA prepares and presents the claim on your behalf:

• Inspecting and documenting the damage, area by area
• Reviewing the policy, its limits, deductibles and endorsements
• Preparing a detailed estimate of the loss
• Communicating with the insurer and attending its inspections
• Negotiating the claim payment, including supplemental amounts for damage found later

Ricardo Arevalo, license W319359, personally works your claim, in English or Spanish.

How we work

It starts with a free initial evaluation by phone or Zoom; a visit to your home can be arranged by appointment. Public adjusters usually work on a contingency fee: nothing is paid upfront, and if nothing is recovered, no fee is owed. RicardoPA confirms the exact percentage for your claim in writing before you sign.

Roof leaks

A stain on the ceiling and damage to the roof may be parts of the same story. Roof claims follow their own Florida rules on roof age, a possible separate roof deductible and building code upgrades.

Roof Damage Claims

Water damage claims

In a water claim, the cause and the timing matter: policies commonly cover sudden and accidental discharges, such as a burst supply line, and commonly exclude constant or repeated seepage over 14 days or more. Stop the water if it is safe, keep the plumber’s report and every drying invoice, and check the water damage limits on your declarations page.

Water Damage Claims

Sudden leak or slow seepage? Why it matters for a water claim

New claims, underpaid claims or denied claims

We help with new claims, claims already in progress, and claims the insurer denied or underpaid. A review starts with the insurer’s estimate or letter and the documents you have, and it does not promise a result.

Denied Insurance Claim Review

Underpaid Insurance Claim Review

Fire and smoke damage

A fire can affect the building, its contents and areas away from the flames. When it is safe to begin, we can help organize the available reports, describe the affected property and review the current position of your insurance claim.

Fire & Smoke Damage Claims