Alconero and Associates Public Adjusters

Est. 2000 - More than 25 years working for you, not for insurance companies

Public Adjusters Miami

Water Damage, Flood Damage, Mold Damage, Storm Damage, Hurricane & Wind Damage, Smoke Damage, Smoke Damage, Lightning Damage, Fire Damage, Leak Damage, Business Interruption, Theft & Vandalism, Sinkholes

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How to file a homeowners insurance claim

Filing a homeowners insurance claim can be a daunting task, especially after experiencing significant damage to your property. Understanding the necessary steps and best practices can help streamline the process and maximize your compensation. At Alconero and Associates Public Adjusters, we bring over 25 years of experience as Certified Public Adjusters in the state of Florida. Based on our expertise, here’s a comprehensive guide on how to file a homeowners insurance claim in 2025.

Safety First

When disaster strikes, your top priority should be the safety and well-being of your loved ones. Depending on the type of damage, hazardous conditions may arise, making your home unsafe.
1. Ensure Safety – Make sure everyone is safe and secure. If necessary, evacuate immediately and call emergency services.
2. Contact Authorities – Report the damage to the appropriate authorities, such as the fire department or police, especially in cases of fire, theft, or vandalism.

Document Everything

Once it is safe to do so, begin documenting the damage—this step is essential for your homeowners insurance claim.
1. Photographs and Videos – Capture clear photos and videos of all damage from multiple angles.
2. Keep Records – Save all repair invoices, receipts, and any proof of lost income or purchases related to the damage.
3. Create a Detailed Inventory – Make a comprehensive list of damaged or lost items, including their estimated value.

Schedule a free inspection now and let our experts assess the damage to your property

At Alconero and Associates Public Adjusters, we understand how overwhelming this process can be. Since 2014, we have been here to help you navigate your homeowners insurance claim and ensure you receive the compensation you deserve.

We don’t charge unless you get paid first.

File a Homeowners Insurance Claim

Navigating the insurance claim process can be complex. Hiring a public adjuster can help ensure you receive the maximum compensation possible.
1. Contact Alconero and Associates Public Adjusters – Use our digital platform to connect with our certified public adjusters, contractors, engineers, roofers, plumbers, and other specialists.
2. Get a Free Inspection – Our public adjusters will conduct a thorough inspection and detailed assessment of the damage.
3. Policy Evaluation – We will review your insurance policy, identify your coverage, and help you understand your entitlements.

Claim Process: Verify Your Coverage Using the DICE Pages

The DICE Pages

Before filing your claim, ensure that the damages are covered by your policy. Review the DICE pages, which outline the key components of your insurance policy:
1. Declarations Page – Provides the policyholder’s information and coverage limits.
2. Insurance Agreement Page – Details the agreement between you and the insurance company.
3. Conditions Page – Lists the terms and conditions under which the policy is valid.
4. Exclusions Page – Specifies what is not covered by your policy.

The DICE pages are critical in the claims process, as they contain the most important details of your policy. While the rest of the policy includes generic information, these pages provide a concise summary of your coverage, conditions, and exclusions.

File Your Claim Promptly

Timeliness is crucial in filing your claim to ensure a higher settlement for your damages.
1. Contact Your Insurer: Notify your insurance company of the damage as soon as possible. However, never contact your home insurance unless you are ready to file a big claim for significant losses.
2. Free Inspection: Schedule a free inspection with a professional to assess the damages on-site.
3. Documentation: Provide all necessary documentation, including the evidence you gathered.

Why Choose Alconero for Fire Damage Restoration?

• Local Experts in Miami, Cape Coral & Fort Myers
Whether you search for fire damage restoration near me, fire damage Miami, fire damage Cape Coral, or fire damage Fort Myers—we’re here and ready to respond.
• We Handle Your Insurance Claim
Unlike standard contractors, we work directly with your insurance company to get you the settlement you deserve.
• Fast & Reliable Restoration
From smoke removal and structural cleaning to full property restoration, we move quickly so you can get your life back.
• No Upfront Costs
We only get paid when you get paid.

Fire Damage Services We Cover

✅ Fire & Smoke Damage Restoration
✅ Water Damage from Firefighting Efforts
✅ Structural Repairs & Cleaning
✅ Insurance Claim Negotiation
✅ Emergency Response 24/7

Your home or business deserves more than just repairs—it deserves full recovery. Let us handle the damage, the paperwork, and the fight with your insurance company.

Areas We Serve

• Miami – Expert fire damage Miami restoration.
• Cape Coral – Reliable fire damage Cape Coral support.
• Fort Myers – Immediate fire damage Fort Myers response.

No matter where you are, Alconero Public Adjusters is your trusted fire damage restoration team.

Why Hiring a Public Adjuster Matters

Filing a homeowners insurance claim involves several critical steps—from ensuring safety to documenting damage and managing the claims process. Insurance companies prioritize their profits by minimizing policy payouts, often leveraging teams of lawyers to reduce the amount they pay for damages to your property.

This is where Alconero and Associates Public Adjusters makes a difference. A certified public adjuster is an invaluable ally in strategically presenting your case, ensuring that every aspect of your claim is properly documented and negotiated to secure the highest possible settlement.

Hiring a certified public adjuster leads to a more thorough assessment of damages and a greater likelihood of higher compensation, making it a smart and beneficial decision for many policyholders.

Public Adjuster Services

UNDERPAID HOME
INSURANCE CLAIMS

If your insurance payout feels too low, you’re probably right. We reopen and renegotiate claims to recover the full amount you’re entitled to.

WATER DAMAGE

Protect your property from one of the most common and costly types of home damage. We assess and document water damage to ensure your claim is maximized and covered under your policy.

THEFT / VANDALISM

Break-ins and property damage can happen when you least expect them. We help document losses, secure your rights, and fight for proper compensation.

SMOKE DAMAGE CLAIM

Smoke leaves hidden damage long after a fire is out. We uncover all affected areas and ensure your insurance recognizes the full extent of the loss.

ROOF LEAK

Torrential Florida rains lead to more than just wet ceilings. We help you prove roof damage and push back on denied or delayed claims.

MOLD DAMAGE

Mold spreads fast and insurance policies can be tricky. We navigate the policy fine print to get your mold damage covered.

LOSS OF BUSINESS INCOME

When operations stop, your revenue takes a hit. We quantify and claim your lost income due to property damage or interruptions.

HURRICANE DAMAGE

Florida storms hit hard—we make sure your insurance response hits harder. Our adjusters handle complex hurricane claims and maximize your recovery.

FLOOD DAMAGE

Most policies don’t automatically cover floods—know your rights. We help homeowners and businesses navigate NFIP and private flood claims.

FIRE DAMAGE

After a fire, your first call should be us—not your insurer. We handle your claim from inspection to final settlement, ensuring you’re fully compensated.

COMMERCIAL PROPERTY CLAIMS

When your business suffers damage, we protect your bottom line. We manage large-loss claims for offices, retail, warehouses, and more.

BURST PIPE DAMAGE CLAIM

Hidden leaks can cause major structural damage. We detect, document, and fight for the full repair and restoration costs.

Why Insurance Companies Don’t Want You to Call Public Adjuster First

Florida flood zones (VE, AE, shaded X) expose homeowners to high risk, especially during peak rainy season. Insurance companies often dispatch their own adjusters when you file first, which leads to claims being undervalued—by up to 47% when done alone. Hiring an independent public adjuster like Alconero ensures full damage documentation, fair repair estimates (including contingencies), and the option to reopen claims. State law caps fees at 10%, making the service cost-effective. Insurers cannot raise premiums due to claims; rate increases come only from property upgrades or statewide hikes. The call to action urges a free inspection before disaster strikes to secure proper compensation.

(Read More)

Florida Insurance Claim Denials: Understanding the "Negligence" Defense and Policy Exclusions

Don’t Give Insurers a Reason to Say “No.” As we’ve seen, insurers will look for any sign of wear and tear to deny your claim. Don’t wait for a disaster to find out if your home has hidden maintenance issues.
Join our Annual Protection Program today. We provide a complete property inspection AND a comprehensive policy review—100% Free. We help you document your home’s condition now, so they can’t blame “negligence” later.