Top-Ranked Spanish-Speaking Insurance Lawyers in Miami, Florida

As of November 1, 2026, the top-ranked Spanish-speaking insurance lawyers in Miami, Florida are Carlos Javier Chardon (LexRank 80.00), Esther Elisa Galicia (80.00) and Juan Pablo Gonzalez-Sirgo “J.P.” (80.00).

This ranking lists 25 insurance lawyers in Miami, Florida, whose Florida Bar profile lists Spanish, in order of their LexRank score, calculated from their Florida Bar records and other cited sources. Their experience ranges from 17 to 40 years in practice.

Lawyers ranked: 25
Fully verified: 25 of 25

The ranking

Ordered by organic LexRank score; paid placements are labelled and never affect a position. How we rank

Who is included: only lawyers whose sourced records list spanish among their languages: 81 of the 160 in Top-Ranked Insurance Lawyers in Miami, Florida, 81 of them confirmed by a verified fact or an official record such as the state bar profile. Scores are the same LexRank scores; the context selects who is ranked and never changes a score.

No change
CC
Carlos Javier Chardon
Independent practice · Miami, FL
Verified
- Speaks Spanish · sourced
- Insurance
- 25 years experience
View profile
Why #1?
Ranks #1 with 80.00: strongest in Experience (30/30) and Data quality (10/10); held back by Reputation (0/20).
Strongest
- Experience 30/30 (ranking avg 17.1)
- Data quality 10/10 (ranking avg 9.6)
Held back by
- Reputation 0/20 (ranking avg 0.1)
No change
EG
Esther Elisa Galicia
Independent practice · Miami, FL
Verified
- Speaks Spanish · sourced
- Insurance
- 40 years experience
View profile
Why #2?
Ranks #2 with 80.00: strongest in Experience (30/30) and Data quality (10/10); held back by Reputation (0/20).
Strongest
- Experience 30/30 (ranking avg 17.1)
- Data quality 10/10 (ranking avg 9.6)
Held back by
- Reputation 0/20 (ranking avg 0.1)
No change
JJ
Juan Pablo Gonzalez-Sirgo “J.P.”
Independent practice · Miami, FL
Verified
- Speaks Spanish · sourced
- Insurance
- 32 years experience
View profile
Why #3?
Ranks #3 with 80.00: strongest in Experience (30/30) and Data quality (10/10); held back by Reputation (0/20).
Strongest
- Experience 30/30 (ranking avg 17.1)
- Data quality 10/10 (ranking avg 9.6)
Held back by
- Reputation 0/20 (ranking avg 0.1)
No change
AL
Ada Gloria Llerena
Independent practice · Miami, FL
Verified
- Speaks Spanish · sourced
- Insurance
- 37 years experience
View profile
Why #4?
Ranks #4 with 80.00: strongest in Experience (30/30) and Data quality (10/10); held back by Reputation (0/20).
Strongest
- Experience 30/30 (ranking avg 17.1)
- Data quality 10/10 (ranking avg 9.6)
Held back by
- Reputation 0/20 (ranking avg 0.1)
No change
MM
Maria C Medina
Independent practice · Miami, FL
Verified
- Speaks Spanish · sourced
- Insurance
- 33 years experience
View profile
Why #5?
Ranks #5 with 80.00: strongest in Experience (30/30) and Data quality (10/10); held back by Reputation (0/20).
Strongest
- Experience 30/30 (ranking avg 17.1)
- Data quality 10/10 (ranking avg 9.6)
Held back by
- Reputation 0/20 (ranking avg 0.1)
No change
LP
Luis Javier Perdomo
Independent practice · Miami, FL
Verified
- Speaks Spanish · sourced
- Insurance
- 29 years experience
View profile
Why #6?
Ranks #6 with 80.00: strongest in Experience (30/30) and Data quality (10/10); held back by Reputation (0/20).
Strongest
- Experience 30/30 (ranking avg 17.1)
- Data quality 10/10 (ranking avg 9.6)
Held back by
- Reputation 0/20 (ranking avg 0.1)
No change
BG
Bram J. Gechtman
Independent practice · Miami, FL
Verified
- Speaks Spanish · sourced
- Insurance
- 24 years experience
View profile
Why #7?
Ranks #7 with 78.80: strongest in Experience (28.8/30) and Data quality (10/10); held back by Reputation (0/20). 1.20 points behind #6, mostly experience.
Strongest
- Experience 28.8/30 (ranking avg 17.1)
- Data quality 10/10 (ranking avg 9.6)
Held back by
- Reputation 0/20 (ranking avg 0.1)
1.20 points behind #6 (Luis Javier Perdomo): Experience −1.2.
No change
LG
Lisa-Ann Camille Gordon
Independent practice · Miami, FL
Verified
- Speaks Spanish · sourced
- Insurance
- 27 years experience
View profile
Why #8?
Ranks #8 with 78.60: strongest in Experience (30/30) and Professional credentials (15/15); held back by Reputation (0/20). 0.20 points behind #7, mostly data quality.
Strongest
- Experience 30/30 (ranking avg 17.1)
- Professional credentials 15/15 (ranking avg 14.4)
Held back by
- Reputation 0/20 (ranking avg 0.1)
0.20 points behind #7 (Bram J. Gechtman): Data quality −1.4.
Not on record (scores 0, never estimated): website.
No change
DM
David John Millheiser
Independent practice · Miami, FL
Verified
- Speaks Spanish · sourced
- Insurance
- 31 years experience
View profile
Why #9?
Ranks #9 with 78.60: strongest in Experience (30/30) and Professional credentials (15/15); held back by Reputation (0/20).
Strongest
- Experience 30/30 (ranking avg 17.1)
- Professional credentials 15/15 (ranking avg 14.4)
Held back by
- Reputation 0/20 (ranking avg 0.1)
Not on record (scores 0, never estimated): website.
No change
MN
Michelle Melin Niemeyer
Independent practice · Miami, FL
Verified
- Speaks Spanish · sourced
- Insurance
- 29 years experience
View profile
Why #10?
Ranks #10 with 78.60: strongest in Experience (30/30) and Professional credentials (15/15); held back by Reputation (0/20).
Strongest
- Experience 30/30 (ranking avg 17.1)
- Professional credentials 15/15 (ranking avg 14.4)
Held back by
- Reputation 0/20 (ranking avg 0.1)
Not on record (scores 0, never estimated): website.
No change
ON
Odalys Nodarse-Buscemi
Independent practice · Miami, FL
Verified
- Speaks Spanish · sourced
- Insurance
- 34 years experience
View profile
Why #11?
Ranks #11 with 78.60: strongest in Experience (30/30) and Professional credentials (15/15); held back by Reputation (0/20).
Strongest
- Experience 30/30 (ranking avg 17.1)
- Professional credentials 15/15 (ranking avg 14.4)
Held back by
- Reputation 0/20 (ranking avg 0.1)
Not on record (scores 0, never estimated): website.
No change
HM
Henry Eduardo Marines
Independent practice · Miami, FL
Verified
- Speaks Spanish · sourced
- Insurance
- 22 years experience
View profile
Why #12?
Ranks #12 with 76.40: strongest in Experience (26.4/30) and Data quality (10/10); held back by Reputation (0/20). 2.20 points behind #11, mostly experience.
Strongest
- Experience 26.4/30 (ranking avg 17.1)
- Data quality 10/10 (ranking avg 9.6)
Held back by
- Reputation 0/20 (ranking avg 0.1)
2.20 points behind #11 (Odalys Nodarse-Buscemi): Experience −3.6.
No change
NN
Niurka Lazara Lopez “Nicky”
Independent practice · Miami, FL
Verified
- Speaks Spanish · sourced
- Insurance
- 23 years experience
View profile
Why #13?
Ranks #13 with 76.20: strongest in Experience (27.6/30) and Professional credentials (15/15); held back by Reputation (0/20). 0.20 points behind #12, mostly data quality.
Strongest
- Experience 27.6/30 (ranking avg 17.1)
- Professional credentials 15/15 (ranking avg 14.4)
Held back by
- Reputation 0/20 (ranking avg 0.1)
0.20 points behind #12 (Henry Eduardo Marines): Data quality −1.4.
Not on record (scores 0, never estimated): website.
No change
AP
Alejandro Perez
Independent practice · Miami, FL
Verified
- Speaks Spanish · sourced
- Insurance
- 21 years experience
View profile
Why #14?
Ranks #14 with 75.20: strongest in Experience (25.2/30) and Data quality (10/10); held back by Reputation (0/20). 1.00 points behind #13, mostly experience.
Strongest
- Experience 25.2/30 (ranking avg 17.1)
- Data quality 10/10 (ranking avg 9.6)
Held back by
- Reputation 0/20 (ranking avg 0.1)
1.00 points behind #13 (Niurka Lazara Lopez “Nicky”): Experience −2.4.
No change
EB
Enza G. Boderone
Independent practice · Miami, FL
Verified
- Speaks Spanish · sourced
- Insurance
- 22 years experience
View profile
Why #15?
Ranks #15 with 75.00: strongest in Experience (26.4/30) and Professional credentials (15/15); held back by Reputation (0/20). 0.20 points behind #14, mostly data quality.
Strongest
- Experience 26.4/30 (ranking avg 17.1)
- Professional credentials 15/15 (ranking avg 14.4)
Held back by
- Reputation 0/20 (ranking avg 0.1)
0.20 points behind #14 (Alejandro Perez): Data quality −1.4.
Not on record (scores 0, never estimated): website.
No change
MD
Michelle Diaz
Independent practice · Miami, FL
Verified
- Speaks Spanish · sourced
- Insurance
- 20 years experience
View profile
Why #16?
Ranks #16 with 74.00: strongest in Experience (24/30) and Data quality (10/10); held back by Reputation (0/20). 1.00 points behind #15, mostly experience.
Strongest
- Experience 24/30 (ranking avg 17.1)
- Data quality 10/10 (ranking avg 9.6)
Held back by
- Reputation 0/20 (ranking avg 0.1)
1.00 points behind #15 (Enza G. Boderone): Experience −2.4.
No change
JO
Jennifer V Ortega
Independent practice · Miami, FL
Verified
- Speaks Spanish · sourced
- Insurance
- 20 years experience
View profile
Why #17?
Ranks #17 with 74.00: strongest in Experience (24/30) and Data quality (10/10); held back by Reputation (0/20).
Strongest
- Experience 24/30 (ranking avg 17.1)
- Data quality 10/10 (ranking avg 9.6)
Held back by
- Reputation 0/20 (ranking avg 0.1)
No change
MB
Martin Pablo Blaya
Independent practice · Miami, FL
Verified
- Speaks Spanish · sourced
- Insurance
- 19 years experience
View profile
Why #18?
Ranks #18 with 72.80: strongest in Experience (22.8/30) and Data quality (10/10); held back by Reputation (0/20). 1.20 points behind #17, mostly experience.
Strongest
- Experience 22.8/30 (ranking avg 17.1)
- Data quality 10/10 (ranking avg 9.6)
Held back by
- Reputation 0/20 (ranking avg 0.1)
1.20 points behind #17 (Jennifer V Ortega): Experience −1.2.
No change
BG
Barbara Gonzalez
Independent practice · Miami, FL
Verified
- Speaks Spanish · sourced
- Insurance
- 20 years experience
View profile
Why #19?
Ranks #19 with 72.60: strongest in Experience (24/30) and Professional credentials (15/15); held back by Reputation (0/20). 0.20 points behind #18, mostly data quality.
Strongest
- Experience 24/30 (ranking avg 17.1)
- Professional credentials 15/15 (ranking avg 14.4)
Held back by
- Reputation 0/20 (ranking avg 0.1)
0.20 points behind #18 (Martin Pablo Blaya): Data quality −1.4.
Not on record (scores 0, never estimated): website.
No change
AM
Ana Maria Melmer
Independent practice · Miami, FL
Verified
- Speaks Spanish · sourced
- Insurance
- 18 years experience
View profile
Why #20?
Ranks #20 with 71.60: strongest in Experience (21.6/30) and Data quality (10/10); held back by Reputation (0/20). 1.00 points behind #19, mostly experience.
Strongest
- Experience 21.6/30 (ranking avg 17.1)
- Data quality 10/10 (ranking avg 9.6)
Held back by
- Reputation 0/20 (ranking avg 0.1)
1.00 points behind #19 (Barbara Gonzalez): Experience −2.4.
No change
AA
Andrew Abramovich
Independent practice · Miami, FL
Verified
- Speaks Spanish · sourced
- Insurance
- 19 years experience
View profile
Why #21?
Ranks #21 with 71.40: strongest in Experience (22.8/30) and Professional credentials (15/15); held back by Reputation (0/20). 0.20 points behind #20, mostly data quality.
Strongest
- Experience 22.8/30 (ranking avg 17.1)
- Professional credentials 15/15 (ranking avg 14.4)
Held back by
- Reputation 0/20 (ranking avg 0.1)
0.20 points behind #20 (Ana Maria Melmer): Data quality −1.4.
Not on record (scores 0, never estimated): website.
No change
LA
Lourdes C De Armas-Suarez
Independent practice · Miami, FL
Verified
- Speaks Spanish · sourced
- Insurance
- 19 years experience
View profile
Why #22?
Ranks #22 with 71.40: strongest in Experience (22.8/30) and Professional credentials (15/15); held back by Reputation (0/20).
Strongest
- Experience 22.8/30 (ranking avg 17.1)
- Professional credentials 15/15 (ranking avg 14.4)
Held back by
- Reputation 0/20 (ranking avg 0.1)
Not on record (scores 0, never estimated): website.
No change
JH
Jacqueline Humbert
Independent practice · Miami, FL
Verified
- Speaks Spanish · sourced
- Insurance
- 19 years experience
View profile
Why #23?
Ranks #23 with 71.40: strongest in Experience (22.8/30) and Professional credentials (15/15); held back by Reputation (0/20).
Strongest
- Experience 22.8/30 (ranking avg 17.1)
- Professional credentials 15/15 (ranking avg 14.4)
Held back by
- Reputation 0/20 (ranking avg 0.1)
Not on record (scores 0, never estimated): website.
No change
IA
Isabel Carolina Abrams
Independent practice · Miami, FL
Verified
- Speaks Spanish · sourced
- Insurance
- 17 years experience
View profile
Why #24?
Ranks #24 with 70.40: strongest in Experience (20.4/30) and Data quality (10/10); held back by Reputation (0/20). 1.00 points behind #23, mostly experience.
Strongest
- Experience 20.4/30 (ranking avg 17.1)
- Data quality 10/10 (ranking avg 9.6)
Held back by
- Reputation 0/20 (ranking avg 0.1)
1.00 points behind #23 (Jacqueline Humbert): Experience −2.4.
No change
WI
Wesley B Colgan III
Independent practice · Miami, FL
Verified
- Speaks Spanish · sourced
- Insurance
- 17 years experience
View profile
Why #25?
Ranks #25 with 70.40: strongest in Experience (20.4/30) and Data quality (10/10); held back by Reputation (0/20).
Strongest
- Experience 20.4/30 (ranking avg 17.1)
- Data quality 10/10 (ranking avg 9.6)
Held back by
- Reputation 0/20 (ranking avg 0.1)

Insurance market in Miami

LexRanked tracks 160 lawyers in insurance law in Miami, Florida. 160 of the lawyers have verified professional data. Data verified October 30, 2026.

Lawyers: 160
Law firms: 0
Verified professional data: 160 of 160
Average rating: Withheldtoo few sourced ratings
Median review count: Withheldtoo few sourced counts
Median experience: 15 years160 lawyers

Calculated by LexRanked from its own records on November 1, 2026; data verified October 30, 2026. Ratings and review counts count only when backed by a source; figures from fewer than three profiles are withheld. All lawyers in Miami

What sets these Miami Spanish-speaking lawyers apart

Every lawyer in this ranking has a The Florida Bar license verified as eligible to practice, and every fact shown links to its source. The figures below come from each lawyer's Florida Bar profile.

Fact about the 25 ranked lawyers	Figure
Years in practice	17 to 40 (median 22)
Languages besides English	Spanish (25)
License status with The Florida Bar	Eligible to practice, verified for every lawyer
Most common law school	St. Thomas University School of Law (5 lawyers)

Who is included in this ranking?

Lawyers eligible to practice in Florida, with a Miami office address and insurance as a practice area on record, whose Florida Bar profile lists Spanish among the languages they speak. It compares 25 Spanish-speaking insurance lawyers, using only facts with a cited source. The Florida Bar does not board-certify lawyers in insurance, so the practice area is the one each lawyer lists on their Florida Bar profile, which The Florida Bar does not review. How we rank.

Whatever language they speak: the full ranking of insurance lawyers in Miami.

Working with a Spanish-speaking lawyer

You can discuss your case, documents and fees directly in Spanish, but court hearings and filings in Florida are in English.

Ask whether the lawyer will speak with you in Spanish personally or through bilingual staff.
Ask for the fee agreement and key letters in Spanish as well as English, so you know exactly what you sign.
When a witness cannot understand or speak English well enough, the judge has a qualified interpreter sworn in (section 90.606, Florida Statutes).

Florida rules to know

A Florida homeowner must give the insurer notice of a property insurance claim within 1 year after the date of loss, and a lawsuit for breach of the policy must be filed within 5 years of the loss.

Rule	What it means
Notice of a property claim	A new or reopened claim is barred unless notice reaches the insurer within 1 year after the date of loss; a supplemental claim within 18 months (Fla. Stat. § 627.70132(2))
Hurricane date of loss	For hurricanes and other weather events, the date of loss is the landfall date or the date NOAA verifies the event (§ 627.70132(3))
Insurer response	The insurer must acknowledge a claim communication within 7 days and pay or deny a property claim within 60 days after notice (§ 627.70131(1) and (7))
Lawsuit deadline	5 years from the date of loss for breach of a property insurance contract (§ 95.11(2)(e))
Bad faith	An insured may sue an insurer that did not attempt in good faith to settle a claim, after 60 days written notice to the Department of Financial Services and the insurer (§ 624.155)

Court	Where cases are heard
State court circuit	Miami-Dade County is in Florida's Eleventh Judicial Circuit

How to choose among these lawyers

Confirm the license, ask who will handle your matter, and get the fee terms in writing before you sign.

Look up the lawyer in The Florida Bar's directory and check the bar number shown on their LexRanked profile.
Ask whether the lawyer you meet will handle your matter personally, and how many matters like yours they have handled recently.
Ask how they charge and what costs are extra, and get the agreement in writing.

Sources for the rules above

Frequently asked questions

How long do I have to report a property insurance claim in Florida?

1 year after the date of loss for a new or reopened claim, and 18 months for a supplemental claim (section 627.70132). For a hurricane, the date of loss is the date it made landfall.

How long does my insurer have to pay or deny a claim?

60 days after it receives notice of the claim, unless factors beyond its control prevent it (section 627.70131(7)).

What is a civil remedy notice?

A written notice on a Department of Financial Services form that must be filed 60 days before a bad-faith lawsuit under section 624.155. No suit lies if the insurer pays or corrects the problem within those 60 days.

How long do I have to sue my insurance company?

5 years from the date of loss for breach of a property insurance contract (section 95.11(2)(e)), but the claim itself must first be reported within 1 year.

Which court handles cases in Miami?

State court cases in Miami-Dade County are heard in Florida's Eleventh Judicial Circuit.

How do I know a lawyer really speaks Spanish?

Every lawyer here lists Spanish on their Florida Bar profile, which LexRanked checked in November 2026. Ask at the first call whether the lawyer will handle your matter in Spanish personally.

Will my court hearing be in Spanish?

No. Court proceedings in Florida are held in English. When a witness cannot understand or speak English well enough, the judge has a qualified interpreter sworn in (section 90.606, Florida Statutes).

How is this ranking ordered?

By the LexRank score, calculated only from facts with a cited source: experience, practice-area relevance, awards on record such as board certification, professional credentials, data quality and location. Client reviews do not affect the LexRank score: neither star ratings nor the number of reviews is scored. Payment never changes a position.

Do client reviews affect the LexRank score?

Client reviews do not affect the LexRank score: neither star ratings nor the number of reviews is scored. Reviews are shown on profiles for information only, and Reputation counts only awards on record, such as board certification. How we rank

Which lawyers are verified?

25 of the 25 ranked lawyers have fully verified profiles: Carlos Javier Chardon, Esther Elisa Galicia, Juan Pablo Gonzalez-Sirgo “J.P.”, Ada Gloria Llerena and Maria C Medina and others.

About this ranking

Last updated: November 1, 2026
Methodology: LexRank v1.2 - deterministic, reproducible scoring
Editorial review: LexRanked editorial team, November 1, 2026
Independence: Positions are never sold. Paid placements, if any, are labelled and do not affect scores.

Explore

Summary

The ranking

Insurance market in Miami

What sets these Miami Spanish-speaking lawyers apart

Who is included in this ranking?

Working with a Spanish-speaking lawyer

Florida rules to know

How to choose among these lawyers

Further reading

Sources for the rules above

Frequently asked questions

About this ranking

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