HOMEOWNER CLAIMS PUBLIC ADJUSTERS, INC.
MIAMI, FLORIDA

Oscar Mormeneo Founder of HomeOwner Claims Public Adjusters, Inc. is a Licensed and Bonded Public Insurance Adjuster Looking for information on how to file a claim or searching for a competent professional? We can provide you with knowledgeable information and competent professionals. As Advocates for consumers / citizens we protect your interest. We have protected the consumers / citizens interest with their insurance claims since 1979. . Policyholders should beware what they say to the insurance company because it may have a negative impact to their claim. Many times policyholders assume events instead of accurately stating the facts and the chain of events. Documenting the entire claim from the very onset of the property damage is paramount to the success of the claim. is an important provision in the insurance policy as many other provisions that must be followed by the policyholder. One of the duties after a loss is to protect your property from further loss. This can be accomplished by doing temporary repairs to the property; however, other factors play as well while doing the temporary repairs. Mitigating the damages is another duty a policyholder must do; they also have to remediate the damage. Most important the evidence of the damage must be preserved. This is just one area of concern. There are many intricacies in filing and adjusting a property insurance claim. Hiring HomeOwner Claims Public Adjusters HomeOwner Claims Public Adjusters, Inc. for many years representing policyholders earns their reputation adjusting the claims to their commercial and residential properties. We have represented our policyholders in many perils, such as fire & smoke, lightning, electrical, power surges/spikes, water losses, broken waste pipes, flood, hurricane & wind losses, appliances water leaks, roof leaks, loss by collapse, mold, bacteria, explosion, theft, vandalism & malicious mischief, back up & overflow, explosion, hail damage, fallen objects, damage by vehicle, riot & civil commotion, business interruption, business expense, plumbing damage, personal contents, aircraft, sink hole, air conditioning leaks, and more………. Oscar Mormeneo, a licensed Public Insurance Adjuster is a Consumer / Citizens Insurance Advocate in Florida; he has worked on all three (3) different capacities of Adjusters. A Staff/Employee licensed as Insurance Adjuster since 1979 until 1990 with a major insurer. In 1989 he obtained his 220 All Lines Agent’s Insurance license. In 1990 he practiced selling Insurance of all lines. He obtained his series 7 license to sell securities with a major insurer. Immediately after Hurricane Andrew, Oscar became an Independent Insurance Adjuster working for many insurance companies as a Catastrophe adjuster for hurricane Andrew claims as well as the daily claims known as other perils, such as: fire, water losses, and more….. In 2004, Oscar sold his independent business and started working for Insurance Company as a Staff Property Adjuster, adjusting regular daily claims and catastrophe claims. In May of 2005, Oscar converted his license from a Staff Adjuster to become a Public (Private) Insurance Adjuster and founded HomeOwner Claims Public Adjusters, right before Hurricane Katrina and Wilma in 2005. He helped many property and business owners deal with the frustration of getting through their Insurance claims. To date, as a public adjuster, he continues to help property and business owners with their insurance claims making every step of the way Stress Free. Oscar is licensed as an Unaffiliated Insurance Agent. He acts as an independent consultant in the business of analyzing or abstracting insurance policies, providing insurance advice or counseling, or making specific recommendations or comparisons of insurance products. Our company personnel have over 30 years of experience on all three (3) different capacities of the adjusting business; as a Professional Staff/Employee Insurance Company Adjuster, as an Independent Adjuster, and as a Public Insurance Adjuster. We are also certified as Insurance Appraiser and Insurance Umpire. HomeOwner Claims Public Adjusters, Inc. is a licensed and bonded adjusting company, working for you the policyholder’s best interest. We at HomeOwner Claims Public Adjusters strive to adjust and maximize your insurance claim so that you receive the highest possible settlement provided by your insurance policy coverage to adequately repair the damages sustained to your personal or business property. HomeOwner Claims Public Adjusters continues to abide by these ethical statues and individual principles along with knowledge and competency in the field to provide you, the policyholder, with peace of mind through such difficult times. , we have many skills and expertise such as; construction knowledge, estimation of damage, Insurance Appraisals, Insurance Umpire, understand and decipher the insurance policies; we are up-to-date of current insurance laws and building codes. We have trained professionals, a bilingual staff, and a working affiliation with engineers, architects, general contractors, remediation and restoration companies, environmentalists, attorneys, and other industry expert professionals. HomeOwner Claims Public Adjusters Prior to 2003, Eloy was involved in Architecture, Engineering and Construction management. He was involved in permitting procedure requirements. As per engineering design, he used among many, the SFBC, ASHRAE, NFPA and DCPS design criteria. He supervised the on-site construction process using the approved As-Built drawing construction documents. During his time operating as a glazing contractor, his responsibilities involved Project Design, Product Approval and Project Management. Amongst those responsibilities were; supervising system installation, scheduling material and labor force requirement, system testing and enforced-monitored quality control. HomeOwner Claims Public Adjusters, Inc. is a licensed and bonded adjusting company, working for you the policyholder’s best interest. We at HomeOwner Claims Public Adjusters strive to adjust and maximize your insurance claim so that you receive the highest possible settlement provided by your insurance policy coverage to adequately repair the damages sustained to your property or business.