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Help with flood damage insurance claims in Miami Dade and Broward

Flood insurance typically needs to be purchased in addition to a homeowner policy. More importantly, the term flood has a specific definition that’s often confusing for most people. A flood is when water from an existing water source, like a lake, rises up and enters the property. Usually when property owners see water in the property they’ll say, “my house is flooding!” Actually, this is water damage and is likely from a broken pipe or roof leak. This would not be a flood claim, but rather a broken pipe claim.

Flooding Damage Insurance Claim Miami FL Greater Area

Stellar Adjusting Services is proud to serve the Miami Dade and Broward County areas. We have years of experience filing insurance claims in Miami and the surrounding areas of Ft. Lauderdale, Sunrise, and Boca Raton. If you’re in need of assistance filing your insurance claim and you live in Aventura, Sunny Isles Beach, Hollywood, Surfside, Bal Harbour, Bay Harbor, Miami Beach we’re ready to start working for you. The time to get to know our team of professionals is now, before an insurance claim is a calm time and we can review your insurance needs.

Reasons To Choose Stellar Adjusting To Help Handle Your Flooding Damage Claims

We have invested in customizing a state of the art web-based portal that allows our clients to monitor and review their claim status and development throughout the entire process. Each client will be provided with their own personalized access to our claims portal so that they are never kept out of the loop. Here’s why we are simply the best choice to hiring a public adjuster in Miami:

  • Team of Experts
  • We Pay Attention To Detail
  • We Are Not A Referral Firm
  • Property damage is our expertise




  • CONTACT Stellar Public Adjusting Services.
  • AVOID CONTACT WITH FLOOD WATER if it all possible. Flood waters may contain raw sewage or other hazardous substances.
  • TURN OFF main power.
  • LET THE BUILDING AIR OUT for at least 30 minutes before re-entering.
  • TAKE PICTURES of the damage for insurance claims.
  • INSPECT FOUNDATIONS for cracks and other damage to make sure the building is not in danger of collapsing.
  • WATCH OUT FOR ANY ANIMALS, especially poisonous snakes, that may have entered the building with the flood waters.
  • RETURN TO THE HOME until the authorities have instructed to do so.
  • EAT ANY FOOD that has come in contact with flood water.

Insurance companies have specific definitions for terms that Public Adjusters are skilled in understanding. This is precisely why an insurance claim is best handled by a professional at Stellar Adjusting Services. The coastal areas in Florida are at the most risk for flooding and flood damage. Public Adjusters in Miami mostly recommend homeowners purchase the flood coverage because the residential and commercial areas are near the ocean, lakes, intracoastal, bays, and many other bodies of water. This is also true in areas surrounding Aventura, North Miami Beach, Sunny Isles, Miami Beach, Boca Raton, Delray Beach, Hallandale and especially all South Florida cities on the coast.

It’s also common that flooding might occur when a major tropical storm or hurricane visits South Florida. The Florida Department of Environmental
Protection has a website that outlines a full understanding of flooding

Flooding is related to an area’s topography and surface water features including its coastline. The state of Florida is divided into Five Water Management Districts and their web sites provide flood information pertinent to the areas that they cover. Links to these web sites are provided.

Anytime flooding occurs in South Florida it’s usually on a large scale and will require a lot of recovery and maintenance to repair the damages. Get a full understanding of your coverage and of the flood insurance claim process in Florida by contacting a Public Adjuster that’s a part of our team.

Information Needed When Filing A Claim

Try to have as much of the following information as possible available when calling us to file a claim.

To start the claims process, we will need the following information:

  • Policyholder information: Name of insured, address, phone number, e-mail and policy number
  • Description of loss: Time and date of loss, location of incident, detailed description of damages
  • Authority notification: Please note all authorities notified (fire dept., police, etc.)
  • Emergency Service Companies & Damage Mitigation: Please let us know if you have already contacted any emergency service companies or performed any sort of damage mitigation.

If you are not sure if you need a public adjuster, give us a call at (305) 396-9110 or fill out our contact form below.

Simply fill out the form below to contact us!

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What Clients Are Saying About Us

I have full confidence in the team at Stellar and do not recommend that anyone file an insurance claim without them.

The insurance company is not on your side and they are not a good neighbor.

Stellar is on your side and they are in the neighborhood. Call them immediately when damage happens.

Marc C., Miami, FL

David has done multiple claims for our real estate company, as well as for myself and friends. Always exceeds expectations. Highly reliable, and completely on top of his game. Highly recommended.

Yossi K., Brooklyn, NY

Glad I hired them. Stellar Public Adjusting assisted in my water damage claim in my condo from my neighbors pipe. They really know there stuff when it comes to claims. They obtained way more than my insurance company initially offered. A very professional company.

Nicholas P., Miami Beach, FL

Worked with Stellar on a project involving a kitchen flood. They were always there to help & answer all the questions I had - and they reached a fair settlement with my insurance for me. I probably wouldn't have gotten half of what I did without them! I'd easily recommend them to anyone needing a Public Adjuster.

Philip O.

HIGHLY recommend Stellar Public Adjusting! Meticulously and professionally handled our claim, and stood by our side throughout the entire process! Thank you!


Friendly staff and work really hard to get what you deserve. I appreciate everything they did for me. Thank you again.

Vanessa R.
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