Alconero Public Adjusters

PA License Number for Florida P197242 | Wind Certified Umpire and Appraiser | IAUA Associate Appraiser | FAPIA Associates Member and Ambassador | Puerto Rico License 3000461294

Fire Claims Adjuster

Fire damage is devastating, but filing a fire insurance claim doesn’t have to be. Alconero Public Adjuster is South Florida’s leading fire claims adjuster, recovering more money for clients than any other firm in the region. Whether you’re facing smoke damage, structural loss, or insurance claim delays, our expert adjusters handle the entire process—so you can focus on recovery.

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Table of Contents

What Does a Fire Claims Adjuster Really Do?

When your home or business suffers fire damage, the aftermath is overwhelming. From smoke-filled rooms to charred belongings, the emotional and financial toll is real. This is where a fire claims adjuster steps in — a specialist who ensures you get the maximum settlement from your insurance provider.

At Alconero Public Adjuster, our mission is simple: represent you, not the insurance company. Unlike the adjuster sent by your insurer, we work for you, not them. We inspect the damage, evaluate your loss in full, and fight to get you every dollar you’re entitled to.

A qualified fire claims adjuster will:

  • Conduct a comprehensive inspection of fire and smoke damage
  • Document all damages with photos, estimates, and loss reports
  • Review your fire insurance claim policy to identify coverage
  • Handle all communication and negotiating with the insurance company
  • Dispute low offers and push for a just settlement

And here in South Florida, no one does this better than Alconero.

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Handle all communication and negotiating with the insurance company

Fire is a destructive force, but it’s the invisible aftermath that often costs you more.

Smoke seeps into walls, HVAC systems, and furniture. Water from firefighters soaks insulation, warps floors, and breeds mold. Electrical systems are compromised. Even in “minor” fires, restoration costs can spiral into tens of thousands — and many homeowners don’t realize it until it’s too late.

At Alconero Public Adjuster, we’ve seen it all:

  • A family in Hialeah was initially offered $8,000 by their insurer. After our intervention, they received $92,000.

  • A small business in Broward was denied for “insufficient documentation.” We resubmitted their claim, and they were awarded $187,000.

Why does this happen? Because most policyholders don’t know how to properly file insurance claims — but we do.

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Why You Need a Public Adjuster After a Fire Loss

Insurance companies are in business to make money — not to pay it out. Their adjusters often:

  • Minimize your losses
  • Omit important line items
  • Downplay smoke and secondary damage
  • Push for quick, underpaid settlements

 

That’s why having a public adjuster isn’t just smart — it’s essential. We level the playing field.

🔥 At Alconero Public Adjuster, we represent fire victims exclusively, guiding them from day one until the check arrives. We’ve successfully handled residential fires, apartment complex fires, and even high-value commercial claims.

If your property caught fire and you’re unsure what comes next, start with us. We don’t get paid unless you do.

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Push for quick, underpaid settlements

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One of the most common questions we get is: Does my policy cover this?

Fire insurance coverage can be tricky. Most homeowners and commercial policies include fire protection, but the details matter. Key coverage elements often include:

  • Structural damage (walls, roofing, wiring)
  • Personal property (furniture, appliances, electronics)
  • Smoke damage
  • Water damage from firefighting efforts
  • Loss of use or business interruption

However, exclusions and limitations vary widely. For example:

  • Was the fire caused by negligence?
  • Was the property vacant?
  • Did you act quickly to mitigate damage?

We break down the fine print and make sure your fire insurance claim includes everything you’re owed — not just what the insurer wants to pay.

Was the property vacant?

In the South Florida market, we’re proud to say it:

💼 Alconero Public Adjuster has recovered more money for fire claim clients than any other public adjusting firm in the region.

How do we do it?

✔️ We don’t rely on basic inspections.

We bring in advanced tools to assess smoke and heat penetration, hidden structural damage, and contamination.

✔️ We submit airtight documentation.

Our estimates are detailed, our reports bulletproof, and we know exactly what insurance carriers need to approve full payouts.

✔️ We know their tactics — and how to beat them.

From denied claims to underpayments, we’ve reversed every excuse in the book.

You focus on recovery. We handle the paperwork, the inspections, and negotiating with the insurance company.

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.
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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.
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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.
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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.
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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.
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MOLD DAMAGE
Mold spreads fast and insurance policies can be tricky. We navigate the policy fine print to get your mold damage covered.
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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.
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HURRICANE DAMAGE
Florida storms hit hard—we make sure your insurance response hits harder. Our adjusters handle complex hurricane claims and maximize your recovery.
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FLOOD DAMAGE
Most policies don’t automatically cover floods—know your rights. We help homeowners and businesses navigate NFIP and private flood claims.
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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.
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COMMERCIAL PROPERTY CLAIMS
When your business suffers damage, we protect your bottom line. We manage large-loss claims for offices, retail, warehouses, and more.
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BURST PIPE DAMAGE CLAIM
Hidden leaks can cause major structural damage. We detect, document, and fight for the full repair and restoration costs.
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Steps to Take Immediately After a Fire

What you do in the first 24–48 hours after a fire can make or break your claim.

📝 Here’s what we recommend:

  1. Document everything – Take photos and videos before cleanup.

  2. Avoid permanent repairs until your adjuster sees the damage.

  3. Save receipts for temporary housing, food, or cleanup.

  4. Contact Alconero immediately – we’ll handle the rest.

We’ve had cases where homeowners started repairs too soon and lost thousands because the insurer said “you compromised the scene.”

Let us protect your rights and guide you from the start.

Negotiating with the Insurance Company: What to Know

Insurers have teams of adjusters, lawyers, and engineers working to protect their bottom line. You need someone protecting yours.

Negotiation isn’t just about “asking for more.” It’s about presenting indisputable facts, backed by:

  • Industry-standard pricing tools (Xactimate, Simsol)
  • Licensed contractor reports
  • Environmental and smoke testing data
  • Legal precedents if needed

 

Our team at Alconero handles every part of the negotiation process. We’re not afraid to escalate or challenge denials — because we’ve done it successfully, claim after claim.

When you hire us, you’re not just hiring a fire claims adjuster — you’re hiring a fire claims warrior.

Why Alconero Is Florida’s #1 for Fire Claim Settlements

Our track record speaks for itself. Alconero Public Adjuster has:

  • Recovered millions for fire victims across Miami-Dade, Broward, and Palm Beach

  • Resolved complex fire claims faster than competitors

  • Fought and won against major insurance carriers

  • Earned repeat business from both homeowners and commercial property managers

Our secret? We treat each claim like it’s personal — because to you, it is.

We’ve been called “relentless,” “thorough,” and even “insurance whisperers.” And we proudly wear those titles.

You Focus on Recovery, We Handle the Rest

Fire is traumatic. But the claims process doesn’t have to be.

At Alconero Public Adjuster, we know how to handle fire claims from start to finish — and we’ve done it better than anyone else in South Florida.

Whether you need help understanding your policy, fighting a denied claim, or just want someone experienced to walk you through the process, we’re ready.

📞 Call Alconero today, and let the top fire claims adjuster in Florida fight for what you’re owed.

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Simply fill out the form below, and we’ll contact you shortly.

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Claim Services

Water Damage

Flood Damage

Mold Damage

Storm Damage

Hurricane & Wind Damage

Smoke Damage

Lightning Damage

Fire Damage

Business Interruption

Theft & Vandalism

Leak Damage

Locations

Public Adjuster Miami

Public Adjuster Weston

Public Adjuster Pembroke Pines

Public Adjuster Coral Springs

Public Adjuster Fort Lauderdale

Public Adjuster Naples

Public Adjuster Palm Beach

Public Adjuster Aventura

Public Adjuster Fort Myers, FL

Public Adjuster Cape Coral, FL

Public Adjuster Hollywood, FL

Public Adjuster Lee County

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