Public adjusters for large property claims in Miami, Fort Lauderdale & South Florida
Major damage to a condominium, apartment building or commercial property can involve shared systems, several decision-makers and a demanding repair schedule. ICRS exclusively represents policyholders in documenting and pursuing their property insurance claims.
Illustrative stock photograph of storm damage; not a specific ICRS claim or Florida location.
Service area: Miami, Miami Beach, Hollywood, Fort Lauderdale, Pompano Beach, Boca Raton and the West Palm Beach area.
Claims of $250,000+ after deductible: full public-adjusting representation for qualifying property losses.
Claims under $250,000:Claim Navigator provides paid strategic guidance, with the option for full representation when appropriate.
Condominium associations, HOAs, multifamily properties, commercial buildings, churches, schools and high-value custom homes.
ICRS exclusively represents policyholders. We help document the physical loss, evaluate the repair scope and communicate the supported claim to the insurer. Each engagement begins with the insured entity, applicable policy and written representation terms.
Give boards and owners a claim record they can work from
For a South Florida association or commercial owner, clarity starts with the named insured, responsible decision-maker and damaged property. Organize building-envelope findings, interior impacts and shared mechanical systems in one location-based record. Distinguish damage from a reported event from pre-existing conditions and maintenance work. A supported claim should explain those distinctions rather than rely on a broad replacement demand.
Condominiums and shared systems
Record damage to roofs, facades, common interiors and mechanical equipment separately. Identify which property belongs to the association and which may be covered elsewhere.
High-value custom homes
Document specialty finishes, built-in systems and custom materials with photographs, specifications and appropriate repair estimates. Do not substitute generic allowances for documented conditions.
Commercial interruption
Keep repair schedules, access restrictions and financial records. Any claim for operating loss or additional expense must be evaluated under the applicable policy.
Claim questions in South Florida
Does a public adjuster work for the association or the insurance carrier?
ICRS represents the policyholder, not the insurer. For an association claim, the authorized board or other approved representative should confirm who can provide records, approve the agreement and coordinate claim decisions.
Is every major building repair a $250,000+ insurance claim?
No. Repair cost alone does not establish coverage or the amount after deductible. The policy, insured property, cause of loss, supporting evidence and deductible all matter. Share the actual records before selecting a service.
What should happen while the claim is being reviewed?
Prioritize safety and necessary steps to protect the property. Follow applicable policy duties, keep receipts and document conditions before cleanup or demolition when safe. Do not delay urgent safety work while waiting for a consultation.
Florida Insurance Consumer Advocate provides public insurance-claim information. For your property, use the actual policy and carrier correspondence to identify the relevant requirements.
Gather the policy, endorsements, deductible information and carrier claim number.
Organize dated damage photographs, inspection reports, estimates and mitigation invoices.
Identify the named insured and the person authorized to make claim decisions.
Share the carrier’s estimate, payment explanation and outstanding questions.
ICRS provides paid public adjusting services. Consultation and contingency representation fees depend on the service and written agreement. Coverage, representation and any recovery depend on the policy and facts of loss.
Service-area pages describe where ICRS reviews claims. They do not identify a local office or guarantee inspection timing. Updated October 19, 2026.
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