Daniel “Jay” Jama, SCLA, CPAU, is a licensed Florida Public Adjuster, Property Appraiser, and Umpire with more than twenty years of progressive experience spanning construction, roofing, carrier-side claims adjusting, public adjusting, appraisal, and dispute resolution. He has personally conducted more than 5,000 property inspections and damage evaluations throughout Florida.
Jay’s background is unusual in that he has worked both sides of the claim: he began in residential construction and roofing — as a general contractor, then as a roofing consultant and project manager handling storm-related repair and replacement work — before moving into carrier-side claims adjusting in 2014, where he handled property inspections and claim investigations for Citizens Property Insurance Corporation and United Property & Casualty Insurance Company (UPC). In 2018, he became a licensed Florida Public Adjuster and founded Homeowner Claims Help.
That combination — hands-on construction and roofing knowledge, carrier-side claims-handling experience, and public adjusting — is what informs his opinions today. Since 2018, he has been retained in more than 50 disputed matters by policyholders, attorneys, and insurance carriers for claim analysis, mediation, arbitration, appraisal, examinations under oath, depositions, and litigation support, spanning wind, hurricane, water, fire, smoke, flood, mold, structural, and building-envelope damage.
Jay’s opinions are grounded in construction and roofing experience, carrier-side claims handling, and public adjusting — a rare combination that lets him speak credibly to causation, scope, and industry claim-handling practices from every angle. Drawn from more than 50 disputed matters and 5,000+ field inspections.
Jay’s carrier-side and construction background means he can evaluate estimates and scope disagreements from a place of real technical understanding on both sides, not just procedure. Experience across appraisal proceedings, arbitration, and ADR spanning hundreds of claims.
