We are an aggressive and productive firm of Public Insurance Adjusters and Insurance Loss Consultants with over 54 years of experience and would like to extend you some information relative to our firm and the advantages to using a Public Adjuster / Loss Consultant for your review and consideration should the need for our services arise.

How does the APPRAISAL PROCESS work?

This process resolves the "Amount of Loss" in a timely and binding manner. Mediation, which is recommended by the insurance company, is not binding, therefore either party may cease this process at any time. If mediation is not successful, your only options are to accept or negotiate the dispute(s) with the insurance company, move your claim into Appraisal/Arbitration or begin the process of a long legal action.

The Appraisal/Arbitration process is timely and three experienced competent individuals perform it. (Two Appraisers and One Umpire) Each party will select its own Appraiser/Arbitrator within a specific time frame. Both representatives once appointed will attempt to agree and appoint the neutral umpire. If both Appraisers/Arbitrators cannot agree within the time frame allocated, either party may request the local court to appoint the umpire. At this point you have a three-person panel. The two appointed representatives will attempt to resolve the issues without the umpire's involvement, however if an agreement is not reached either party may request the umpire's involvement. Upon the umpire's inspection of damages and/or review of each party's evaluation of the "Amount of Loss" and the overall situation, a determination or agreement by two of the three individuals sets the "Amount of Loss". The parties execute an "Awards" document and the process is completed.

Each party pays its own representative and the umpire's fees are split in half and paid by each party. Expenses needed for legal assistance to compel the insurance company to appraise or the petitioning of the local court for the appointment of an umpire will be incurred directly by the policyholder(s).


As your representative, I will inspect the damages, review all relevant documents in order to prepare an assessment of your damages. I will prepare an independent evaluation of the "Amount of Loss" in its proper form so that if needed the umpire will be able to easily interpret the situation.


 To date, I have handled over 1800 insurance claims and over 1800 formal or informal appraisals/arbitration's in the last 34 years. I have also worked in the insurance claims industry since 1980 and have been a licensed insurance adjuster since 1981. My experience steams from handling countless claims on behalf of the insurance companies and policyholders, which include noncatastrophe and catastrophe claims. (Windstorm, Flood, Fire, Water, Vandalism, Sinkhole, Blasting, Mold and other causes of damage)

My insurance experience with the handling of real property claims, the negotiations of settlements and the assessment of damages allows me to prepare and present the best possible package to the insurance carrier's representative and/or the umpire.


Juan Carlos Cartaya (JC), President of Cartaya Insurance Appraiser, Inc.  


A decisive, persistent and experienced leader in the insurance claims field in all facets from first party claims, informal binding appraisals dealing with disputes in the amount of loss to impartial umpiring in the determination and the issuing of rulings in order to conclude alternative litigation processes.  



  • Prior to entering the insurance industry several years of direct field involvemen in actual construction dealing with residential and commercial structures.


  • Numerous years of resolving first and third party claims as an independent adjuster for various insurance carriers reaching the status of a Senior Adjuster.


  • Preparing and negotiating first party claims for the policyholder from start to finish against their insurance company.


  • Trouble Shooter, Appraiser and Umpire in determining Amounts of Loss in an a binding process for the policyholder as well as the insurance carrier.  




  • Miami Dade College


  • Numerous Seminars and Continued Education Programs Dealing with: Insurance Claims, Arbitration’s, Negotiations and Claims Handling Technique)





  • On hand training with actual construction dealing with the building, repairing and alterations of single family homes, multifamily homes and commercial                       structures.     (1975 to 1980)


  • Independent Claims Adjuster for Various Insurance Companies.   (1980 to 1992)


  • Loss Consultant for Various Individuals and Corporate Policyholders.  (1992 to Present)


  • Appraiser, Umpire and Loss Consultant      (1994 to Present)


  • Over, 2,000 Adjustment Files Handled to date.

  • Over, 2,400 Appraisal Files Handled to date.   



  • Class 03-20 All Lines Self Appointed Independent Public Adjuster  



Azar, Dr. Carlos                                          Stuart FL

La Playa De Varadero, HOA                     Miami Beach FL

Walgreens (Port Everglades)                   Sebastian FL

PR Condo Assoc.                                       Hialeah FL

Calle Ocho                                                  Miami FL

Second Gulfstream, HOA                         Hallandale FL

Sunrise International Dental                   Ft. Lauderdale FL

Myerlee HOA.                                             Ft. Myers

Midway Pointe Apts.                                 Miami, FL

Viscaya Grove Apts.                                   Miami FL

Kendall Lakes, HOA                                   Miami FL

USA Tile and Marble, Inc.                         Miami FL

La Entrada Del Mar, HOA                         Ft. Pierce FL

Island Plaza                                                Marco Island, FL

Golfview and Associates                          Boca Raton FL

Atlantic Air Apartments                            Miami Beach FL

Global Elements                                        Medley FL

Bays water Condo Assoc.                        N Bay Village FL

Tamiami Investors                                    Miami FL

Plaza Del Prado                                         Aventura FL

Riverwood Condo Association                N Miami Beach FL

Costain Villas                                              Aventura FL

Miami River Group                                    Miami FL

Valencia Apartments                                 Tampa FL

Sea Shore Club Condos                            Miami Beach FL

Dadeland Grove Apartments                   Miami FL

Executive Airport Hotel                             Miami FL

J & R Marine, Inc.                                        Miami FL 

La Mirage Condos                                      Miami FL

Racquet Club, LLC.                                     Miami FL

Santa Rosa Tile                                           Hialeah FL

USAA Insurance Company                        South Florida

Oceania II Apartments                               Sunny Isles FL

Golden Gate Condo Association              Hialeah FL

Camelot, HOA                                              Miami FL

Captiva Lakes, HOA                                     Miami FL

Vista Del Lago Condos                                Hialeah FL

West Fontaine, HOA                                    Miami FL

Park Layne Towers                                      Hallandale Beach FL

Coral Pointe Condos                                   Miami FL

Indiana Insurance Company                     Indianapolis, IN

Merco Group                                                Miami FL

Gardens of Kendall Bldg # 1                      Miami FL

Tilapia Farming                                            Clewiston FL

S & K Property Management                     Miami FL

Westlake Condo Association                     Miami FL

Villa Manor, HOA                                         Punta Gorda FL

Barrett Green Apts.                                     Houston, Texas

Mr. Roger J. Schindler, Esq.                        Miami Beach FL

Chabad Lubavitch of Weston                    Weston FL

Mr. Howard Murry                                      Coco Beach FL

Banta Properties, Inc.                                 Ft. Lauderdale, FL

Robert Balogh                                              Aspen, CO

Batterymarch, LLC                                       Boston, MA

Continental Fidelity Corp.                          Birmingham, AL

Olympus HOA                                              Hallandale Beach, FL

Garden Apartments, LLC                            Miami Beach, FL

Real Capital Solutions                                 Denver, CO

Miracle Faith Center, Inc.                            Pensacola, FL

One Hundred Park Ave HOA                      Denver, CO

Tri-State Insurance Company                    Tulsa, OK  

Royal Publications                                       Denver, CO

Northfield HOA                                            Fort Collins, CO

GSL Group Inc                                              Denver, CO

Peninsula Condo Assoc.                             Daytona, FL

Sterling Commons HOA                             Denver, CO

American Welding Society, Inc.                 Doral, FL

Nalcrest Foundation, Inc.                           Nalcrest, FL

Jimbajim Investments, LLC                        Ft. Lauderdale, FL

Dickerson, Barbara & Anthony (USAA)    Indialantic, FL

Creek Club Apartments                              Miami, FL

Williams Empowerment Center                Bartow, FL

Inlet Marina Villas Condo Assoc.               New Smyrna Beach, FL

Sonoma Southside Apartments                Jacksonville, FL



T: 305-234-8474