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
When a storm damages your home, the aftermath can feel like a second disaster. You expect your insurance company to help, but often, you face delays, underpayments, or even denied claims. That’s where a Florida public adjuster becomes essential.
Public adjusters are licensed professionals who represent you, not the insurance company. They interpret your policy, assess damages, handle all communication with insurers, and most importantly—fight for the maximum settlement.
In a state where hurricanes, floods, and mold damage are common, working with a seasoned public adjuster like Alconero Public Adjusters can mean the difference between recovering fully—or not at all.
Public adjusters take the stress out of filing an insurance claim. Here’s what they typically handle:
• Policy review: Ensuring your coverage is correctly interpreted
• Damage assessment: Estimating all visible and hidden damages
• Claim preparation: Organizing documentation and photos
• Negotiation: Speaking directly with insurance adjusters on your behalf
• Maximizing settlement: Ensuring nothing is missed and you receive what you’re owed
Unlike insurance adjusters—who are paid by the insurer—public adjusters only get paid when you do. Their incentives are directly aligned with yours.
Florida has some of the highest insurance claim rates in the country, largely due to its geographic risks:
• Hurricanes and tropical storms in areas like Miami and Cape Coral
• Flooding in inland areas often overlooked by homeowners
• Roof and structural damage from high winds
• Water and mold damage from persistent humidity
According to the Florida Flood Insurance Guide, over 25% of flood claims come from moderate-to-low risk zones, where flood insurance isn’t even required.
The problem? Most homeowners aren’t prepared—and that’s when a public adjuster becomes your best defense.
If you file a claim alone, here’s what you face:
Confusing policy language
Underestimated damages
Missed deadlines
Lowball offers
Claim denials due to technicalities
Insurance companies are profit-driven. Their adjusters may appear friendly—but their job is to protect the company, not you.
After Hurricane Ian, a homeowner in Orlando was offered $14,000 for flood damage. Alconero’s team stepped in, documented the real scope of damage, and negotiated a final payout of $81,000—three times the original offer.
This is what public adjusters do. They know what insurance won’t tell you.
Mold contamination
Fire and smoke damage
Roof collapse and leaks
Business interruption claims
Whether you’re in Miami, Cape Coral, or Orlando, each region has unique risks—and Alconero’s local adjusters know how to handle them.
Public Adjuster | Insurance Adjuster |
|---|---|
Works for YOU | Works for the insurer |
Paid a % of your settlement | Paid a salary by insurer |
Fights for MAX payout | Aims to minimize payout |
Reviews hidden damage | Focuses on visible, obvious claims |
Licensed by the state | Licensed by the state (but different allegiance) |
Florida law allows homeowners to hire a public adjuster to protect their interests. It also places limits on how long you have to file and appeal a claim:
• You have 2 years to file a property insurance claim
• You can request a re-inspection
• Public adjusters are limited to 10% fee after a state of emergency
These rights exist to level the playing field—but most homeowners aren’t aware of them.
• Miami: Common claims involve hurricane roof damage, wind-driven rain, and saltwater intrusion.
• Orlando: Central Florida is prone to inland flooding and mold due to poor drainage.
• Cape Coral: With thousands of waterfront homes, flood and wind insurance claims are frequent.
Alconero has local teams in each of these regions with decades of experience navigating Florida’s unique challenges.
✅ You’ve had storm, flood, or fire damage
✅ Your insurer is delaying or underpaying your claim
✅ You’re overwhelmed with paperwork and inspections
✅ You’ve received a confusing or low settlement offer
✅ You want a professional advocate fighting for your full recovery
At Alconero Public Adjusters, we’ve recovered millions in claim settlements for Florida homeowners. Our experts are standing by to provide:
• Free damage inspections
• Policy evaluations
• Claim strategy sessions
• Real-time updates and negotiations
🏠 Whether you’re in Miami, Orlando, or Cape Coral, call us before your insurance company sends their adjuster. Let us protect what’s yours.