PA License Number for Florida 197242 / Wind Certified Umpire and Appraiser / IAUA Associate Appraiser / FAPIA Associates Member and Ambassador / Puerto Rico License 3000461294
At Alconero Public Adjuster, we’ve seen firsthand how frustrating and stressful it is when a homeowner believes their insurance policy will protect them—only to receive a payment that barely scratches the surface of the damages, or worse, a full denial. If your insurance claim has been underpaid, you’re not alone.
Insurance companies operate with profit in mind. The adjusters they send are there to assess damage, but they also work to minimize payouts. From the outside, it might look like they’re doing their job, but in reality, many claims are undervalued, essential repairs are overlooked, and policy language is interpreted in a way that benefits the insurer—not you.
We’ve helped dozens of families in Miami whose claims were unfairly reduced. In some cases, the insurance company recognized only surface damage, ignoring issues like hidden water intrusion, electrical damage, or the real cost of restoring a property to its pre-loss condition.
You might not realize right away that your settlement was insufficient. These are some of the most common red flags:
– The settlement doesn’t cover the actual repair costs based on current Miami rates.
– Major components of the damage—like roofing, plumbing, or interior walls—are omitted or barely acknowledged.
– You’re pressured to accept the first offer quickly, with little explanation.
– Your adjuster seems unwilling to fully inspect the property or document everything.
If any of these sound familiar, it’s time to get a second opinion from a licensed public adjuster who represents **your** interests, not the insurance company’s.
Many homeowners in Florida aren’t aware that they have the right to hire their own insurance expert—someone who works *for them*, not the insurance company. That’s exactly what we do at Alconero Public Adjuster.
Our job is to conduct a full, independent evaluation of your damages and policy coverage. We make sure no detail is overlooked, from structural issues to personal property loss and temporary living expenses. We handle the paperwork, the negotiation, and the back-and-forth with your insurer, ensuring you get what you’re actually owed—not just what they feel like paying.
We take pride in being thorough. We don’t just accept what the insurance company says—because we know that far too often, those numbers are far too low.
There’s a major difference between the insurance adjusters sent by your carrier and a public adjuster like us:
– **Insurance adjusters** work for the insurance company. Their goal is to protect their employer’s bottom line.
– **Public adjusters** work for **you**, the policyholder. We advocate for your full compensation, based on what the policy truly covers.
If your claim has been denied or underpaid, working with a public adjuster can dramatically change the outcome.
When a claim is denied, many homeowners feel like they’ve hit a wall. But a denial doesn’t mean the end—it means you need to reassess and come back stronger.
First, review your policy carefully. Many denials are based on vague interpretations or missing documentation. We can help you gather the necessary evidence, schedule new inspections, and formally reopen the claim. Often, a detailed second report from a certified public adjuster is enough to force a reconsideration.
Getting a low payout is more common than you think. When this happens:
The key is not to rush. Insurance companies want to close the file quickly. But you deserve time to ensure the payment reflects the real scope of the damage.
From the day the damage happens, keep a paper trail. Take photos, videos, and write down everything—dates, conversations with the insurer, weather reports, invoices, etc. The more evidence you have, the harder it is for the insurer to dismiss your claim.
We’ve helped clients in Miami recover thousands of additional dollars simply by presenting proper documentation and leveraging policy language in their favor.
Trying to handle the claim process alone can be overwhelming. Between the fine print in your policy and the pressure from insurance reps, it’s easy to settle for less.
At Alconero Public Adjuster, we’ve successfully renegotiated claims that were initially dismissed or dramatically undervalued. With us, you’re not just getting an advocate—you’re gaining a strategy, a team, and real negotiating power.
EXCELLENT Based on 38 reviews Alvaro Ausin Juan de Sentmenat2024-07-24Trustindex verifies that the original source of the review is Google. Héctor is an honest, reliable and effective professional. Always there to answer the phone to solve questions and give you updates. Totally recommend. Catherine Marshall2024-04-10Trustindex verifies that the original source of the review is Google. My grandfather states: his only regret was not hiring them sooner! After using an MIT professor to try and squeeze juice out of those lemons, he hired these professionals who got wonderful results beyond his imagination! They did a great job, got true value and avoided the lawyers. Lorely Mendez2024-03-05Trustindex verifies that the original source of the review is Google. Very good service , friendly service , recommended , especially Milena , Alejandro Manager and all staff Daniel Marquez2024-03-01Trustindex verifies that the original source of the review is Google. Responsive ayudó en todo el proceso a mi hermana, pudo cambiar toda su casa gracias a ellos. LEONEL MOLINA2024-02-02Trustindex verifies that the original source of the review is Google. Peace of mind, you are in good hands, Alconero will always have a place in their schedule to speak to you about your case. Unfortunately they can’t help me in this case but now I know where to call if I need to fight the Insurance resolution. Rosy Acosta2024-01-19Trustindex verifies that the original source of the review is Google. Good experience and professionalism , thank you Michael for your service victor sikah2023-12-28Trustindex verifies that the original source of the review is Google. This group is as professional and highly work-oriented anyone can imagine. You can go to sleep and rest assured they will deliver as promised. Javier Fundora2023-11-09Trustindex verifies that the original source of the review is Google. Por este medio quiero agradecerles a Public Adjuster in Miami - Alconero and Associates en especial a Katia y a Ivan Valerio por el gran team y equipo de trabajo que son muy amables les recomiendo a Public Adjuster in Miami - Alconero and Associates 💯 para que los represented con los dańos en su hogar. Eneida Cruet2023-09-29Trustindex verifies that the original source of the review is Google. Just closed on a condo 4 months ago, had it painted and repaired all walls and floors that needed repairs. Last week around 11pm I heard the sound of a leak from the master bathroom. My walls and floors were full of water. Called the association and they had to get a locksmith to open the door from the upstairs condo as there was nobody there. Seems that the owner had “accidentally” left the shower on but he’s not living there. Called Alconero Associates, the next day they sent an Adjustor to my home! He took pictures, measurements and everything else he needed in order to file a claim in a timely manner. I can’t thank them enough because they are so professional and caring. If you use another Adjustor you will “NOT” get the amount of money you should receive from your insurance company. They take their work very seriously and get you as much money as they can. Thank you Alconero and Associates! alina gonzalez2023-08-06Trustindex verifies that the original source of the review is Google. Very good company professional, friendly and fast.Verified by TrustindexTrustindex verified badge is the Universal Symbol of Trust. Only the greatest companies can get the verified badge who has a review score above 4.5, based on customer reviews over the past 12 months. Read more
We’ve handled countless underpaid home insurance claims in Florida, from hurricane damage to fire, water leaks, and theft. We know what insurance companies look for—and more importantly, what they try to ignore.
Our familiarity with local contractors, Miami construction costs, and Florida’s unique insurance laws allows us to build bulletproof cases that result in fair settlements.
Our clients trust us because we deliver. Whether it’s recovering additional funds for a roof replacement or reversing a denied water damage claim, our record speaks for itself.
We don’t charge upfront fees, and we only get paid when **you** do.
If you’re dealing with underpaid home insurance claims in Miami, don’t fight the system alone. Contact Alconero Public Adjuster for a free consultation. We’ll review your case, assess the damage, and help you fight back with confidence.
Don’t let the insurance company tell you what your home is worth—**let’s get the full picture and the full payout you deserve**.
No. Public adjusters only get paid if you do. Their fee is a percentage of your final settlement.
No. Public adjusters only get paid if you do. Their fee is a percentage of your final settlement.
While most adjusters work within industry standards, some fees may be negotiable based on claim size or timing. We always explain our fee upfront before any work begins.
On the contrary — having a pro on your side often speeds things up by preventing delays caused by missing documentation or errors.
If you’re a homeowner in Miami who’s recently suffered property damage, don’t wait. Every day you delay can cost you thousands—or worse, your entire claim.
Let Alconero Public Adjusters go to battle for you.
📍 Local experts in Miami
💰 Over $200 million recovered
📞 Free inspection & consultation
✅ No win, no fee
👉 Call us now or fill out the form to schedule your FREE claim review.
Let’s make your insurance work for you, not against you.