Which Xactimate price list do you use for Miami claims?

FLMI — the current month's regional list for South Florida. Using the carrier's own list is what makes line-item pricing indisputable at review.

Do you serve all of Miami-Dade, Broward, Monroe counties?

Yes. Estimating is remote, so the same team and turnaround cover every address in Miami-Dade, Broward, Monroe and the surrounding communities: Coral Gables, Hialeah, Homestead, Kendall, Miami Beach and more.

How fast is turnaround for a Miami estimate after a storm?

Standard turnaround is 24 hours and a free sample estimate is delivered within 12 hours. During a declared emergency we scale the estimating team so local contractors aren't queued behind other markets.

Can you help with supplements and adjuster follow-up?

Yes — claims management is a core service. We prepare supplemental estimates with photos and code references and work directly with the public adjuster through the insurer's review, inside Florida's 18-month supplement window.

South Florida · Miami-Dade · Broward · Monroe

Xactimate® Estimating in Miami, Florida

Miami claims are dominated by high-rise and condo losses, tile roofs, and coverage disputes over wind versus flood. Estimates here have to separate the two perils line by line, because the homeowners policy pays one and the NFIP pays the other.

Price list: FLMI

Every line item priced on the current FLMI regional list, so the numbers match what the carrier's adjuster sees.

What we see in Miami

• Hurricane wind
• Storm surge and flood
• Roof and tile damage
• Water intrusion in condos

Local rule that changes the estimate

Miami-Dade's High-Velocity Hurricane Zone (HVHZ) roofing and opening-protection requirements mean code-upgrade line items are larger than anywhere else in the state — and routinely missing from carrier desk estimates.

Recent storm history

Hurricane Irma (2017) remains the reference loss for South Florida; more recent claim volume has come from tropical-storm rain events, king-tide flooding and the 2024 season's rain bands.

Every Florida deadline runs from the date of loss: 1 year to report, 18 months to supplement. Check yours with the deadline calculator, and watch the region live on the storm map.

Communities we estimate for

Coral Gables
Hialeah
Homestead
Kendall
Miami Beach
Doral
Fort Lauderdale
Hollywood
Pembroke Pines

Remote estimating: same team, same price list, same turnaround for every address in Miami-Dade, Broward, Monroe.

Miami estimating FAQ

Which Xactimate price list do you use for Miami claims?: FLMI — the current month's regional list for South Florida. Using the carrier's own list is what makes line-item pricing indisputable at review.
Do you serve all of Miami-Dade, Broward, Monroe counties?: Yes. Estimating is remote, so the same team and turnaround cover every address in Miami-Dade, Broward, Monroe and the surrounding communities: Coral Gables, Hialeah, Homestead, Kendall, Miami Beach and more.
How fast is turnaround for a Miami estimate after a storm?: Standard turnaround is 24 hours and a free sample estimate is delivered within 12 hours. During a declared emergency we scale the estimating team so local contractors aren't queued behind other markets.
Can you help with supplements and adjuster follow-up?: Yes — claims management is a core service. We prepare supplemental estimates with photos and code references and work directly with the public adjuster through the insurer's review, inside Florida's 18-month supplement window.

See a Miami estimate before you commit

Send one real South Florida claim — photos, measurements or a sketch — and get an itemized Xactimate® estimate on the FLMI list back within 12 hours. Free, no obligation.

Other Florida markets: Tampa · Orlando · Jacksonville · Fort Myers · All of Florida