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
A private adjuster—more accurately referred to as a public insurance adjuster—is a licensed professional hired by you, the policyholder. Their sole responsibility is to represent your interests during the insurance claim process.
You do. Homeowners often bring in a public adjuster when a claim is large, complex, or has been undervalued by the insurance company. Their mission is to ensure you get a fair settlement that reflects the true cost of your damages and losses.
A public adjuster works on your behalf—not the insurance company’s. They inspect property damage, gather documentation, estimate repair costs, and negotiate with the insurer. Their compensation usually comes as a percentage of the final settlement, which motivates them to maximize your claim.
An insurance adjuster, also known as a staff or company adjuster, is employed directly by your insurance company. When you file a claim, this is usually the first person the insurer sends to evaluate your property
Their role is to inspect the damage, assess liability, and determine how much the insurance company should pay. While they may appear helpful, their primary loyalty lies with the insurer.
Insurance adjusters aim to minimize the payout—not because they’re unethical, but because they are tasked with protecting the company’s bottom line. Their assessments might not reflect the full scope of your damage, especially if you’re not experienced in property restoration or insurance terms.
Independent adjusters add another layer of confusion. Despite their name, they’re not truly “independent” from the insurer’s influence.
They’re freelancers or contractors hired by insurance companies when staff adjusters are overwhelmed or unavailable. They don’t work directly for the insurer—but they’re still paid by them, which inevitably influences their evaluations.
Some homeowners assume “independent” means unbiased. In reality, independent adjusters are aligned with the insurance company’s interests, not yours.
This clarity helps you decide who truly has your back during the claim process.
When you file a claim, the type of adjuster involved can drastically change your experience and outcome.
Imagine a homeowner in Miami who experiences hurricane damage. The insurance company’s adjuster visits the site, takes photos, and estimates damages at $35,000. Without expertise or support, the homeowner accepts the payout—only to discover later that actual repairs cost over $60,000.
Now picture the same scenario, but the homeowner hires a public insurance adjuster. That adjuster inspects the damage thoroughly, uncovers overlooked water intrusion and roof structural issues, and documents everything. After negotiations, the claim settles at $72,000—more than double the original offer.
Insurance companies have adjusters, lawyers, and extensive resources. Hiring a public adjuster ensures you have an expert on your side who understands policy language and valuation methods.
Filing a property damage claim involves technical documentation, deadlines, and follow-ups. A public adjuster takes this burden off your shoulders, ensuring everything is filed correctly and promptly.
Public adjusters use advanced estimating software, collaborate with contractors, and even bring in engineers if needed. Their focus is to uncover the full extent of your loss—and get you paid accordingly.
Not every claim needs outside help—but many do. Here’s when you should seriously consider bringing in a public adjuster:
Fires, hurricanes, mold, or water intrusion claims can involve hidden damage that insurance adjusters may overlook or understate.
If your claim was rejected or you received a low settlement, a public adjuster can re-evaluate the case, appeal the decision, and reopen negotiations.
Dealing with insurance paperwork while managing repairs and daily life can be overwhelming. Letting a professional advocate take over saves you stress and ensures a fair outcome.
Understanding the difference between a private adjuster vs. insurance adjuster isn’t just technical—it’s strategic. One works for the insurer; the other works for you.
If you’ve experienced property damage in Florida, don’t go it alone. The stakes are too high, and the process too complex. Before accepting any insurance offer, consult a licensed public insurance adjuster. Your financial recovery depends on it.
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.
Contact Alconero Public Adjuster for a free inspection and claim review today. Let the experts handle your claim while you focus on rebuilding.