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 trustedinsurance claims adjuster.
FL: 135 San Lorenzo Ave, Suite 750, Coral Gables, FL 33146TN: 2934 Sidco Dr, Suite #110, Nashville, TN 372045.0305-238-8672
Denied insurance claim? Foremost Public Adjusters handles water damage, hurricane, fire, mold, and roof leak claims across Miami-Dade, Palm Beach, and Broward counties. Let our expert team fight to maximize your settlement.
- 18 years in the industry
- 20,000+ claims handled
- $500M+ recovered
- No recovery, no fee
Meet the TeamBehind Your Claim.
With over 18 years and 20,000+ claims handled, you're not just hiring an adjuster, you're getting a team that knows exactly how insurers operate, and how to get you more.
- 01
Free Claim Review
Free policy & claim review
- 02
No Upfront Cost
We don't get paid unless we win
- 03
$500M+
Recovered for clients
- 04
20,000+
Claims handled
- 05
18+ Years
In business
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.
The carrier offered $3,482.We recovered $47,860.
Water damage · Contents loss
Water damage to a storage room and personal belongings in a Kendall residence. The carrier undervalued the loss.
$3,482$47,860
The insurance company initially offered $3,482 for damaged contents and limited repairs following a water intrusion event. Our team conducted a detailed inspection, documented affected belongings, prepared a comprehensive estimate, and negotiated aggressively on behalf of the homeowner.
Call for a free claim reviewClaim details
- Type of loss
- Water damage & contents loss
- Location
- Kendall, Florida
- Key issue
- Undervalued personal property and storage damage
- Total recovered
- $47,860
- Outcome
- 1,274% increase over original offer
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.”
Real recoveries forSouth Florida property owners.
Verified claim outcomes across multiple loss types. What the insurance company offered versus what we recovered after fighting the claim.
What happenedInsurance offeredWe recoveredOutcome
Hurricane Roof Damage
Miami-Dade home; carrier disputed full replacement
Insurance offered$4,216We recovered$68,9451,535% increaseWater Damage & Mold
Kendall property; leak spread into walls and flooring
Insurance offered$2,870We recovered$42,3801,377% increaseStorm Damage Denied
Broward homeowner; initial denial overturned
Insurance offered$0 — DeniedWe recovered$37,125Denial reversedCommercial Roof Claim
Warehouse sustained wind damage
Insurance offered$12,495We recovered$118,740850% increaseFire & Smoke Damage
Interior damage underestimated by carrier
Insurance offered$8,762We recovered$74,520750% increasePipe Burst Water Loss
Kitchen, flooring, and cabinetry affected
Insurance offered$5,130We recovered$51,880911% increase
Think your claim was underpaid? A licensed public adjuster will review your policy and claim, free. No recovery, no fee.
Results vary by claim and policy. No guarantee of a specific outcome.
Get Your Free Insurance Claim Review
Reach the firm directly.
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 ClaimsFor Every Policyholder.
Your insurer has a team protecting their payout. You should have one protecting yours.
Don't see your claim type? We handle every type of first-party property loss, residential and commercial.
Their adjuster protects the insurance company.A public adjuster protects your claim.
Both are licensed. Both are called “the adjuster.” Only one works exclusively for you.
On your side
Your public adjuster
Licensed. Works only for you.
- Comprehensive property inspection
- Documents every covered damage
- Builds a detailed claim estimate
- Negotiates directly with insurance
- Maximizes your settlement value
- No recovery, no fee
Not on your side
Insurance company adjuster
Works for the insurance company.
- Represents the carrier's interests
- Handles large claim volumes daily
- May overlook hidden damage
- May scope partial repairs
- Initial offers are often lower
- Does not negotiate for you
Stop negotiating against the carrier alone. Put a licensed public adjuster on your side, contingent on recovery.
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 detail, and submit the claim. From first carrier contact, your licensed adjuster assists in communications with your carrier.
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.
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
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 there’s no recovery, 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.
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 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 # W807653
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. Most claims, residential or commercial, take months to resolve. 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 soon as the loss occurs, 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. And if you have already opened your own claim, it is not too late, the sooner we are involved, the better the outcome.
Still have questions about your specific claim? A licensed adjuster will answer them, free, no obligation.