FLORIDA HURRICANE DAMAGE INSURANCE CLAIMS
PUBLIC ADJUSTER SERVICES THROUGHOUT FLORIDA
Public Insurance Claims Adjuster
Public Insurance Adjuster
Public Commercial Claims Adjuster
Public Claims Adjuster
MJL Public Adjusting
and Consulting, LLC
RATED 5 STARS
Florida Hurricane Insurance Claims Adjuster
When a hurricane strikes, the damage can be overwhelming. High winds, flooding, roof damage, water intrusion, fallen trees, and structural damage can leave homeowners wondering where to begin.
Unfortunately, many insurance companies deny, delay, or underpay legitimate hurricane damage claims.
At MJL Public Adjusting, we represent Florida homeowners, condominium owners, HOAs, commercial property owners, and business owners—not insurance companies. Our job is to thoroughly document your losses, prepare a comprehensive claim, negotiate directly with the insurance company, and fight for the settlement you deserve.
You pay nothing upfront. We are only paid if we recover money for you.
Hurricane Damage We Handle
Our team assists property owners with virtually every type of hurricane-related loss, including:
• Roof damage
• Wind damage
• Water intrusion
• Flood damage
• Structural damage
• Ceiling damage
• Interior water damage
• Fallen trees
• Broken windows
• Exterior siding damage
• Pool enclosure damage
• Detached structures
• Commercial property damage
• Condominium damage
• HOA common area damage
• Business interruption (when applicable)
Whether your claim has just occurred or has already been denied, MJL Public Adjusting can help.
Why You Should Call a Public Adjuster Immediately
One of the biggest mistakes property owners make is waiting too long.
The first 24 to 48 hours after discovering damage are critical.
Early documentation often determines how successful a claim becomes.
Our team immediately begins:
• Inspecting your property
• Photographing all visible damage
• Documenting hidden damage
• Reviewing your insurance policy
• Preparing a detailed estimate
• Communicating directly with your insurance company
The sooner we become involved, the stronger your claim can be.
We Work for You—Not the Insurance Company
MJL Public Adjusting and Consulting Reviews
⭐️⭐️⭐️⭐️⭐️
Rated 5.0 Stars on Google 34 Times
⭐️⭐️⭐️⭐️⭐️
“Hired Michael Lardiere, the owner of MJL Public Adjusting, about three months ago for roof damage caused by the May 2025 hailstorm. The insurance company initially denied my claim, but once Michael got involved, he secured $130,000 for me. His honesty and integrity are unmatched, and I’m extremely happy and grateful for the work he and his team of attorneys did. I highly recommend Michael and his company to anyone who needs to file an insurance claim—especially if you’ve already been denied.”
— Jim Haddad
Google Review
⭐️⭐️⭐️⭐️⭐️
“Absolutely the best decision we made! When our insurance company lowballed us after a severe storm, MJL Public Adjusting stepped in and fought for what we deserved. They were thorough, professional, and made sure we understood every step. Thank you, MJL, for getting us what we needed to rebuild.”
— Honeylhey Sabeniano
Google Review
⭐️⭐️⭐️⭐️⭐️
“Honest, reliable, and powerful advocates! Insurance companies have their own team—MJL is the team YOU need. They treated our family like their own and got us results we never could have achieved alone. Professional, passionate, and incredibly effective. We recommend them to anyone dealing with property damage or a denied claim.”
— Abigail Dodson
Google Review
⭐️⭐️⭐️⭐️⭐️
“They made a stressful situation easy to handle. After a pipe burst in our office building, we were hit with business interruption and property damage. MJL Public Adjusting came in, handled the entire claim process, and made sure we received the compensation we needed to keep our doors open. Truly a lifeline when we needed it most.”
— Cindy Drabek
Google Review
⭐️⭐️⭐️⭐️⭐️
“MJL Public Adjusting turned our nightmare into a victory! After our home suffered major storm damage, we were overwhelmed and unsure where to start. MJL stepped in, took over the insurance process, and got us a settlement that was far more than the insurance company initially offered. Mike and the team were professional, responsive, and genuinely cared about helping us rebuild. Highly recommend!”
— Estela Vidal
Google Review
The insurance company’s adjuster represents the insurance company.
A public adjuster represents you.
Once hired, MJL Public Adjusting becomes your primary representative throughout the claims process. We communicate directly with the insurance company so you don’t have to.
Our process includes:
1. Comprehensive property inspection
2. High-resolution photographic documentation
3. Drone inspections when appropriate
4. Policy review
5. Damage analysis
6. Detailed claim preparation
7. Negotiation with the insurance carrier
8. Ongoing claim management until resolution
If additional legal assistance becomes necessary, we can recommend experienced property insurance attorneys.
Common Hurricane Claim Problems
Many of our clients contact us after experiencing:
• Claim denial
• Low settlement offers
• Delayed claims
• Incomplete inspections
• Missing damage
• Pressure to accept an early settlement
You do not have to accept the insurance company’s first decision.
Real Client Success Story
One Florida homeowner suffered severe hurricane flooding, with approximately two feet of water inside the home.
Initially, the insurance company denied the claim.
After continued discussions, the insurer offered approximately $9,500.
MJL Public Adjusting performed a complete inspection, documented the full extent of the damage, and negotiated directly with the insurance company.
Final recovery: approximately $120,000.
No attorney was required.
The homeowner was able to complete repairs and move forward with confidence.
Mistakes to Avoid After a Hurricane
After a major storm, emotions run high and decisions are often made too quickly.
Avoid these common mistakes:
• Waiting too long to report damage
• Failing to photograph the property immediately
• Throwing away damaged materials before documentation
• Accepting the first settlement offer
• Signing contracts with contractors before understanding your insurance rights
• Assuming the insurance company’s estimate is final
Proper documentation can significantly affect your final settlement.
Frequently Asked Questions
How soon should I contact a public adjuster?
As soon as possible—ideally within 24 to 48 hours after discovering hurricane damage.
Do you charge upfront fees?
No. We are paid only if we recover money for your claim.
Can you help if my claim has already been denied?
Yes. We frequently assist property owners with denied, delayed, underpaid, supplemental, and reopened claims.
Do you handle commercial properties?
Yes. We represent both residential and commercial property owners throughout Florida.
Will hiring a public adjuster increase my insurance premiums?
Premium decisions are made by the insurance company. Hiring a public adjuster does not automatically increase your premiums. Our role is to help ensure you receive the benefits your policy provides.
Why Choose MJL Public Adjusting?
• Statewide Florida service
• Residential and commercial expertise
• Hurricane and roof claim specialists
• Detailed documentation and inspections
• Drone technology
• Direct insurance company negotiations
• Trusted contractor relationships
• Experienced attorney referral network when needed
• No recovery, no fee
Get Help Before You Accept an Insurance Settlement
If your property has suffered hurricane damage, don’t assume the insurance company’s first offer is the best or only option.
Let MJL Public Adjusting review your claim, explain your options, and fight for the settlement you deserve.
Call today for your free consultation and claim evaluation.