PA License Number for Florida P197242 | Wind Certified Umpire and Appraiser | IAUA Associate Appraiser | FAPIA Associates Member and Ambassador | Puerto Rico License 3000461294
PA License Number for Florida P197242 | Wind Certified Umpire and Appraiser | IAUA Associate Appraiser | FAPIA Associates Member and Ambassador | Puerto Rico License 3000461294
Reviewed and signed off by: Raul Alconero
A public adjuster is a licensed professional who represents property owners, not insurance companies. Their job is to ensure that you get the compensation you deserve after suffering damage to your home, especially from roofing issues.
Unlike insurance company adjusters, who are hired to protect the insurer’s interests, a public adjuster is your advocate throughout the claims process. They evaluate damage, prepare claims, negotiate settlements, and handle the entire process with your benefit in mind.
In Florida and other states, public adjusters must be licensed and regulated, ensuring they follow legal standards and ethical guidelines when working on your claim.
Roof damage is one of the most common—and stressful—issues homeowners face. Florida’s tropical storms, hurricanes, and frequent rains make roofing systems vulnerable year-round.
In many cases, roof damage leads directly to water damage inside the home—damaged insulation, ceiling stains, warped flooring, and mold growth. It’s more than just an exterior issue; it affects your home’s structure and health.
This stress, paired with the fear of high repair costs or insurance denial, takes a toll on families. That’s why having an advocate like a public adjuster can provide immediate relief and long-term financial protection.
A roof claim is the formal process of requesting payment from your insurer for damage to your roofing system. Whether it’s from a sudden storm or gradual deterioration, if your policy covers it, you’re entitled to a settlement.
You should file as soon as you notice damage. Delays can give insurers grounds to deny or reduce your payout, especially if they believe damage resulted from neglect rather than a covered event.
Roof claims are notorious for denials, delays, or underpayments. Insurance companies may:
This is why many homeowners get discouraged—and why having a knowledgeable public adjuster makes such a difference.
Many property owners assume their insurance company will take care of them after a claim. Unfortunately, that’s not always the case.
Insurance adjusters are trained to minimize payouts. They may:
Negotiating with the insurance company without expert help can leave you underpaid or even denied. You may not know how to argue against a vague clause in your policy—or realize you’re entitled to more than just roof replacement.
If you’re filing an insurance claim for roof damage, timing and documentation are everything.
Immediately after noticing damage, contact your insurer to open a claim. Note the date of the event and take photos if it was storm-related.
Walk around the home safely and look for visible roof issues—missing shingles, debris, signs of leakage. Document everything with clear, time-stamped photos.
Instead of waiting for the insurance company’s adjuster, contact a public adjuster first. They’ll perform their own inspection and prepare your claim with professional documentation.
This step can significantly improve your results, helping to secure fair compensation from the start.
Once hired, the public adjuster begins a thorough process designed to protect your best interests.
They examine your roof, attic, ceilings, and interior to assess both visible and hidden damage.
They gather all necessary evidence: photos, repair estimates, engineering reports, and weather data. This creates a powerful claim packet that’s hard for insurers to dispute.
Your adjuster becomes the point of contact with the insurance company. They handle all communications, push back on low offers, and speak the insurer’s language—terms, codes, and policy interpretations.
Hiring a public adjuster can change the outcome of your claim dramatically. Here’s how:
Studies show public adjusters consistently secure higher payouts than homeowners alone. They identify all eligible damages—not just what’s immediately visible.
Instead of chasing your insurer, scheduling inspections, and deciphering policy language, your adjuster handles it all. You focus on repairs and family—not paperwork.
You gain someone who fights for your best interests. Your public adjuster knows how to challenge bad faith tactics, incomplete scopes, and unreasonable delays.
You want a second opinion on the insurer’s estimate
A Tampa homeowner’s roof leaked after heavy rain. The insurance company said the roof was “too old,” denying the claim. After hiring a public adjuster, the roof’s storm damage was documented properly. The claim reopened—and paid $28,000 for a full replacement.
In Miami, a windstorm lifted shingles on a two-story home. The insurer offered $7,200. The public adjuster’s estimate, including code upgrades and flashing, secured a final settlement of $18,900.
These are the outcomes professional representation can deliver.
At Alconero Public Adjusters, roof claims are our specialty. We’ve helped hundreds of Florida homeowners recover from hurricanes, leaks, and severe storms.
✅ Local Florida Experts
✅ Decades of Claim Experience
✅ No Recovery, No Fee
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A Private Public Adjuster represents policyholders—not insurance companies—in filing, managing, and negotiating property damage claims. They work to ensure you receive the full compensation you’re entitled to under your policy.
An Independent Insurance Adjuster is hired by the insurer and represents their interests, even if they’re not directly on the payroll. A Private Adjuster, like those at Alconero Public Adjuster, works solely for you, the policyholder.
It’s best to hire a Private Public Adjuster immediately after property damage occurs—before you speak with your insurance company. This ensures accurate documentation and reduces the risk of claim denial or underpayment.
Most private adjusters work on a contingency fee basis, meaning they only get paid if you do. The fee is a percentage of your settlement, and there are no upfront costs.
Alconero handles hurricane damage, water and mold issues, fire and smoke damage, flood claims, vandalism, theft, and more. Their experience in Florida gives them a unique edge in local claims.
Absolutely. Hiring a local Public Claims Adjuster means you get someone who understands regional insurance practices, local damage types, and how to deal with nearby insurance offices quickly and effectively.
Yes. Alconero Public Adjuster can review your denied claim, identify errors or missed coverage, and file an appeal or a supplemental claim on your behalf.
Roof damage doesn’t just affect your home—it threatens your financial stability. Don’t leave your future in the hands of an insurance company adjuster.
Instead, trust the professionals at Alconero Public Adjusters to guide you through every step. From inspection to final settlement, we’re here to fight for what you’re truly owed.
Contact Alconero Public Adjusters today for your free roof claim consultation. Don’t wait—get the support you need and the settlement you deserve.