Founded in 2018, Homeowner Claims Help (HCH) is a Florida-licensed public adjusting and property damage consulting firm. We specialize in residential, commercial, HOA, and third-party property damage claims—guiding policyholders through complex insurance disputes to secure fair, fully documented recoveries.
Bridging Construction Logic & Insurance Law
HCH was founded to solve a major issue in the property insurance industry: the disconnect between real-world construction logic and carrier claim handling.
Having spent years managing residential construction and structural repairs, our team recognized how frequently carriers overlook hidden damage, misapply policy provisions, and rely on incomplete estimates that leave property owners short-changed.
To provide complete support across every stage of a dispute, HCH has expanded beyond traditional public adjusting to offer insurance appraisals, mediations, and expert witness consulting for policyholders, attorneys, and industry professionals.
Our Promise: We operate on a contingency basis for public adjusting—no recovery, no fee.
Licensed & Bonded Florida Public Adjusting Firm | License #W860961
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Daniel Jama – Founder and Principal Adjuster
Daniel “Jay” Jama brings over 20 years of hands-on experience spanning residential construction, carrier-side claims adjusting, public adjusting, and dispute resolution.
Jay began his career in structural remodeling and roofing project management before serving as a carrier-side independent adjuster for major Florida insurers, including Citizens Property Insurance Corporation and United Property & Casualty (UPC). Having personally conducted more than 5,000 property damage evaluations, he leverages his understanding of building-envelope integrity, repairability standards, and carrier playbooks to advocate for policyholders.
As a Certified Property Appraiser & Umpire (CPAU) and Senior Claim Law Associate (SCLA), Jay serves as an objective, highly technical neutral or party-appointed appraiser on losses ranging from localized damage to complex commercial claims. He is routinely retained by attorneys, policyholders, and carriers for expert testimony, appraisal proceedings, and litigation support.
Core Background & Credentials
• 20+ Years Industry Experience: General Construction / Roofing Management, Carrier-Side Adjuster (Citizens/UPC), Public Adjuster, Appraiser & Umpire
• 5,000+ Field Investigations: Specialized in wind, hurricane, water intrusion, fire, mold, and structural building-envelope damage
• Senior Claim Law Associate (SCLA) – Property, Casualty & Fraud
• Certified Property Appraiser & Umpire (CPAU)
• Licensed Florida Public Adjuster (License #W221110)
• InterNACHI & OSHA Certified
