Javier Delgado, Esq.

Javier Delgado, Esq.

Javier Delgado is a former insurance adjuster and former insurance defense attorney, so he knows all sides of claims and insurance contracts. Javier is licensed in Florida, Texas, New York, Washington, D.C., and the U.S. Virgin Islands. He routinely works with outside and local counsel in other states and the Caribbean representing clients with their insurance claims.

He has been featured in several publications including the Houston Chronicle, the New York Law Journal, Law 360, among others for his outstanding work on behalf of his clients. Javier speaks at various insurance industry annual events and teaches continuing education courses to insurance professionals and attorneys representing insurance carriers, as well as professionals representing policyholders. Javier was appointed Liaison Counsel by the Eastern District Federal Court in New York to assist in resolution of Hurricane Ike claims to assist the Federal Court in resolving thousands of Hurricane Sandy Claims.

Here is an excerpt from an article from the Asbury Park Press where Javier was asked to present on a panel to help Hurricane Sandy victims understand claim details:

Panel Helps Sandy Victims Understand Claim Details

Raising concern after she hadn’t heard from her insurance adjuster in more than a month, Javier Delgado, the attorney on the panel, told her to keep writing letters to put them on notice and keep documentation of everything. He warned storm victims against walking away from a claim when the insurance company is delaying, explaining that’s what companies want.

Delgado also warned victims to look closely at checks, explaining insurance companies can include wording that settles a claim even if that isn’t the victim’s intention. If they need help, they should hire a public adjuster or attorney to get the claim they deserve, he said. “You really do need to be proactive. You need to stay with a claim. It will eventually get resolved,” Delgado said.

Here is another article Javier is quoted in: Homeowners battle for higher payouts to fix Ike damages


Nova Southeastern Law University
Fort Lauderdale, Florida- Juris Doctor

Florida International University
Miami, Florida- Bachelor of Science, Criminal Justice

Broward College
Fort Lauderdale, Florida- Associates Degree in Criminal Justice

  • Classes/Seminars Taught

    WIND Appraiser Certification, a double-session workshop – 2015 WIND Conference

    New York Federal Court Eastern District Mediator Training Seminar

    “Business Interruption Claims in the Wake of Catastrophe” – 
    Equecat Convention, Ft. Lauderdale, Florida, 2014

    “Water Damage Claims” –
     Florida Association of Public Insurance Adjusters (FAPIA) Ft. Lauderdale, Florida, 2014

    “First Part Claims” – 
    Florida Condominium Association Event, Miami, Florida, 2014

    “First Party Claims” – 
    co-speaker Shaun Marker, Florida COndominium Association Event, West Palm Beach, Florida, 2013

    7 Habits of Highly Effective People”– FAPIA 2016

    “WIND Appraiser Certification®”
     – Windstorm Insurance Network Annual Conference, January 2013

    “Hiring Qualified Expert Witnesses & How to use Expert Witnesses in Court” – Lab Day, Texas, June 2012

    WIND Umpire Certification, WIND Umpire Re-certification – Windstorm Insurance Network Annual Conference, January 2011 – TAPIA Spring Conference, April 2012

    “The Appraisal Process: Theory, Reality, or Extinction” – Windstorm Insurance Network Annual Conference, January 2010

    “Learning From Those on the Other Side of Claims Negotiations: Persuasive, Professional, and Ethical Techniques of Adjustment for the Policyholder” – FAPIA Summer Conference 2010

    “Proofs of Loss, EUOs, & Requests for Documentation” FAPIA Winter Conference 2010

    “Tales from the Dark Side” – FAPIA Winter Conference 2010

    “Speed Adjusting: A Fast and Furious Look at the Concerns and Considerations of Insurance Claims and How They Can Affect Public Adjusting” – FAPIA Summer Conference 2009

    “The current legal state of law in Galveston with respect to Hurricane Ike cases Seminar for Texas Public Adjusters, 2009

    “The Merlin Guide: How to ethically and efficiently adjust claims in Texas” – Seminar for Texas Public Insurance Adjusters, 2009

    “Maximizing Recovery: Best practices and surrounding Law and Ordinance coverage, ACV, RCV, Matching, and Building Codes” – Seminar for Texas Public Insurance Adjuster, 2009

    “Instructor of Windstorm Umpire Certification Course,” – The Law in Texas on Insurance Appraisals

  • Professional Associations & Memberships

    American Association for Justice

    American Bar Association Tort, Trial, and Insurance Section

    American Bar Association Construction Law Section

    Florida Real Property Section

    Florida Association of Public Insurance Adjusters (FAPIA) Associate Member

    National Association of Public Insurance Adjusters (NAPIA) Associate Member

    Florida Justice Association

    Texas Insurance Law Section

    District of Columbia Tort Section

    District of Columbia Affairs Section

    District of Columbia Antitrust and Consumer Law Section

    Windstorm Insurance Network

    Windstorm Certified Appraisal Umpire

    New York Bar Association

    New York Trial Association

    New York Health and Law Section

    Virgin Islands Bar Association