Great communication. Very professional all around. Helped me maximize my claim in a manner I wouldn’t have been able to do on my own. Thank you.
Google Reviews4.9
South Florida's TrustedPublic Insurance Adjuster
135 San Lorenzo Ave, Suite 750, Coral Gables, FL 33146305-238-86725.0
Water damage, hurricane claims, fire, mold, roof leaks — we handle every claim type across South Florida.
- 18 years in the industry
- 20,000+ claims handled
Meet the TeamBehind Your Claim.
With over 18 years and 20,000+ claims handled across South Florida, you're not just hiring an adjuster — you're getting a team that knows exactly how insurers operate, and how to get you more.
Testimonials
What our clientsactually say.
Google Google Foremost Public Adjusters were professional, responsive, and got results fast. They made the claims process easy and fought to get me a fair payout. Highly recommend!
Google Foremost Public Adjusters, es una compañía excelente!!! Trabaja para el cliente y obtiene todo el potencial que la póliza permite. Muy recomendados.
Google You MUST HIRE these guys! If I could give them 10 stars I would. There is no other company I would even consider working with. Foremost handled every detail of my claim and got me a settlement I never thought possible.
Google Great experience using Foremost PA. The whole staff was very professional and quick to respond. Not only did they fight for the full scope of damage, they kept me updated through every step of the process.
Google Foremost Public Adjusters went above and beyond my expectations. They were very professional, reliable, and knowledgeable about insurance claims. The settlement they recovered was several times what the carrier first offered.
Google Working with Foremost PA was a pleasure. They have been very responsible and diligent managing my claim from beginning to end. Highly recommend them to anyone dealing with a stubborn insurance company.
Google After my insurance company low-balled me, Foremost stepped in and turned everything around. They documented damage I didn't even know was covered. The settlement nearly tripled. I cannot thank them enough.
Google Carolina and the entire team are simply outstanding. They explained every step, fought every line item the carrier tried to cut, and delivered a result that more than justified hiring them. True professionals.
Google Great communication. Very professional all around. Helped me maximize my claim in a manner I wouldn’t have been able to do on my own. Thank you.
Google Foremost Public Adjusters were professional, responsive, and got results fast. They made the claims process easy and fought to get me a fair payout. Highly recommend!
Google Foremost Public Adjusters, es una compañía excelente!!! Trabaja para el cliente y obtiene todo el potencial que la póliza permite. Muy recomendados.
Google You MUST HIRE these guys! If I could give them 10 stars I would. There is no other company I would even consider working with. Foremost handled every detail of my claim and got me a settlement I never thought possible.
Google Great experience using Foremost PA. The whole staff was very professional and quick to respond. Not only did they fight for the full scope of damage, they kept me updated through every step of the process.
Google Foremost Public Adjusters went above and beyond my expectations. They were very professional, reliable, and knowledgeable about insurance claims. The settlement they recovered was several times what the carrier first offered.
Google Working with Foremost PA was a pleasure. They have been very responsible and diligent managing my claim from beginning to end. Highly recommend them to anyone dealing with a stubborn insurance company.
Google After my insurance company low-balled me, Foremost stepped in and turned everything around. They documented damage I didn't even know was covered. The settlement nearly tripled. I cannot thank them enough.
Google Carolina and the entire team are simply outstanding. They explained every step, fought every line item the carrier tried to cut, and delivered a result that more than justified hiring them. True professionals.
If your carrier underpaid the visible damage and missed the rest, we can re-open the file.
Free claim review
Free Claim Review
A licensed adjuster responds within 2 hours. No recovery, no fee.
The teamForemost · Coral Gables
Water DamageHurricane ClaimsFire DamageRoof LeaksMold DamageHOA / CondoDenied ClaimsCommercial
Property claims
We Handle All Types of Property ClaimsAcross South Florida.
Your insurer has a team protecting their payout. You should have one protecting yours.
Wind Damage
Flood Damage
Hurricane Damage
Fire Damage
Roof Damage
Plumbing Damage
Mold Damage
Water Damage
Don't see your claim type? We handle every first-party property loss across South Florida — residential and commercial.
The process
How your claimactually gets paid.
Pick your claim type. Same three-stage approach, tailored to the carrier tactics specific to that loss.
— Water Damage —
How a Water Damage Claim Actually Gets Paid
Inspect & Map the Moisture
Free on-site inspection with thermal imaging and moisture meters. We document the full intrusion path before drying changes the evidence — and tell you exactly what your policy likely owes.
File the Claim, Set the Scope
We prepare the proof of loss, document every affected surface in Xactimate-grade detail, and submit the claim. From first carrier contact, your licensed adjuster speaks on your behalf.
Negotiate, Supplement, Recover
We push for every dollar — including hidden damage, mold remediation, and code upgrades. We close the file when the offer matches the loss, not when the carrier wants it closed.
See how the same three stages would map onto your specific loss — free, no obligation.
The Foremost difference
Built for water claims.From first drip to final check.
The typical adjusting shop is one or two people working out of a home office. We staff the firm so we can outwork the carrier on documentation, valuation, and time — particularly on water losses, where what's hidden is usually most of the claim.
- 01
Full scope of moisture
Wet drywall is the smallest part of the claim. We map intrusion path with thermal cameras and moisture meters, open cavities where the carrier won’t, and price every wet stud, plate, and substrate before drying changes the evidence.
- 02
Licensed water-loss adjusters
Florida Public Adjuster License #P150464. Every water file is handled by a licensed adjuster, not a sales rep — held to the same continuing-education and ethics standards as the insurer’s desk adjuster across the table.
- 03
We outlast the carrier
Insurers count on water-claim fatigue — drag the inspection, drag the supplement, hope you take the lowball. Our capitalization lets us refuse premature offers and run the clock the same way they do, until the number matches the loss.
- 04
No recovery, no fee
Compensation is contingent — a percentage of recovery we obtain, capped by Florida statute. If we don’t increase the settlement, you owe us nothing. Interests fully aligned with yours from the first walk-through.
Put a licensed Florida public adjuster on your side of the table — capped by statute, contingent on recovery.
Service area
We Cover All ofSouth Florida.
Miami-Dade County
- Miami
- Coral Gables
- Doral
- Hialeah
- Kendall
- Homestead
- Miami Beach
- Aventura
- Brickell
- Coconut Grove
Broward County
- Fort Lauderdale
- Hollywood
- Pembroke Pines
- Miramar
- Weston
- Plantation
- Davie
- Coral Springs
- Pompano Beach
Palm Beach County
- West Palm Beach
- Boca Raton
- Delray Beach
- Boynton Beach
- Wellington
- Palm Beach Gardens
- Jupiter
On-site inspections across Miami-Dade, Broward, and Palm Beach — typically within 24 hours of your call.
No recovery · No fee
Your Insurer Has Adjusters.So Should You.
Don't settle for less than you're owed. Foremost Public Adjusters has fought for South Florida homeowners and property owners since 2008. Licensed. No fee unless we win.
Start My Free Claim ReviewNo Recovery · No Fee
305-238-8672Florida Public Adjuster License # P150464
Common questions
Questions beforethe water dries.
What we hear most often from policyholders right after a water loss — and the candid answers.
A licensed public adjuster represents the policyholder — not the insurance company — in the preparation, presentation, and negotiation of a first-party property insurance claim. We document the full scope of loss, quantify damages using industry-standard estimating, and negotiate directly with the carrier to pursue the maximum settlement allowed under your policy.
Foremost works on a No Recovery, No Fee basis. Our compensation is a percentage of the recovery we obtain on your behalf, capped by Florida statute. If we do not recover funds for you, you owe us nothing. We discuss exact terms during your free claim evaluation.
Yes. A denial or lowball offer is one of the most common reasons policyholders bring us in. We review the denial letter, the policy language, and the carrier’s scope, and pursue a reopened or supplemental claim where the facts support coverage.
Florida law gives carriers defined timelines to acknowledge, investigate, and pay covered claims, but real-world resolution depends on the loss. Straightforward residential claims may close in weeks; complex commercial or hurricane claims can take months. We move them as fast as documentation and the carrier allow.
The carrier’s staff or independent adjuster works for the insurer and protects its interests. A public adjuster is licensed by the state to work exclusively for the policyholder. Same training, opposite side of the table.
Yes — hurricane and named-storm claims are a core part of our practice. We handle wind, wind-driven rain, surge-related, and supplemental claims across Miami-Dade, Broward, Palm Beach, and Monroe counties, including disputes over named-storm deductibles and causation.
No. In addition to our Coral Gables headquarters, we maintain a Nashville office serving Tennessee policyholders. We handle residential and commercial claims across both states.
As early as possible — ideally before you give a recorded statement or sign anything from the carrier. Early engagement protects evidence, ensures a complete scope of loss, and prevents premature settlement of an underpaid claim.
Still have questions about your specific claim? A licensed adjuster will answer them — free, no obligation.