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
When Hurricane Milton sent a power line crashing onto Elena Gonzalez Perez’s home, the resulting fire destroyed everything. Over 15 adjusters showed up wanting her signature. Only one showed up wanting to help.
Elena Gonzalez Perez and her husband had owned their Florida home for just one year when Hurricane Milton changed their lives forever. A downed power line ignited a fire that consumed their house completely, not partially, not mostly, completely.
We lost absolutely everything," Elena recalls. "Everything, everything, everything. Nothing was left.
What followed wasn’t just fire damage. It was the total destruction of a life that had barely begun in a new home. Clothes, furniture, documents, memories — all gone. Elena and her husband were literally on the street with nothing. No family nearby. No backup plan. No idea what to do next.
The community stepped in. Neighbors donated money and clothing. A woman who owned an Airbnb offered them a place to stay for a week. But kindness alone couldn’t rebuild a house. For that, Elena needed her insurance company to pay what they owed — and she needed someone who knew how to make that happen.
In the aftermath of severe fire damage, Elena’s property became a magnet for public adjusters looking to sign a new client. More than 15 different adjusters came to her door, each one with a contract and a promise.
“Everyone showed up and handed me a paper to sign and said, ‘Don’t worry, I’ll take care of everything,'” Elena remembers. “But I didn’t even know what I was signing or how the process worked.”
It’s a scenario that plays out across Florida after every major disaster. Homeowners dealing with fire damage are overwhelmed, emotional, and desperate — making them easy targets for adjusters who prioritize volume over results. Sign here. Don’t read the fine print. Trust me.
Elena almost fell for it. But then a neighbor who had previously worked with Alconero Public Adjusters gave her a piece of advice she’ll never forget: Call Alconero, and you’ll remember me for it.
When Elena and her husband contacted Alconero Public Adjusters, the experience was immediately different from every other adjuster who had approached them.
“He didn’t just leave a paper or say ‘sign here.’ He said, ‘Come to my office,'” Elena explains. “We sat down, and he explained the entire process from A to Z. At that point, we knew absolutely nothing.”
That transparency — sitting down, explaining, educating — is what separates fire damage specialists from adjusters who are just chasing cases. Elena didn’t just need someone to file paperwork. She needed someone to guide her through the most confusing and stressful experience of her life.
And the complexity of her situation went far beyond the fire itself.
Elena quickly discovered that dealing with fire damage insurance claims is nothing like what most homeowners expect. Her assumptions — pay your premiums, file a claim, get your money — collided with a harsh reality:
Elena called her insurer immediately, thinking she could resolve it herself. “The insurance company responded right away,” she says, “but it was like, ‘You have to wait.'”
Elena discovered her home was only 70% covered by her policy. The remaining 30% wasn’t insured, a devastating surprise when you’ve lost everything.
“FEMA never gave us a single dollar,” Elena states bluntly. The insurance payout was their only lifeline.
Because Elena’s home was financed, insurance checks were issued in both her name and the bank’s name. She couldn’t cash them directly. The checks had to be sent to the bank, processed through their system, and then released — a painfully slow bureaucratic loop while a family sat homeless.
Elena speaks very little English. Every phone call, every document, every negotiation with the insurance company and the bank required English fluency she didn’t have.
This is the reality of fire damage claims that no one talks about. The fire is just the beginning. What comes after — the insurance maze, the mortgage complications, the government red tape — can be just as devastating.
Alconero Public Adjusters didn’t just file a claim and disappear. They became Elena’s full-service advocate through every stage of a brutally complex process:
Alconero handled all communication with the insurance company, submitting documentation, evidence, and following up aggressively to accelerate payments.
They managed the mortgage company process, calling the bank on Elena’s behalf, explaining her urgent situation, and pushing for faster check releases.
With Elena speaking little English, Alconero’s team handled all English-language communications — calls, documents, negotiations — removing the language barrier entirely.
Despite the policy only covering 70% of the home, Alconero ensured Elena collected every dollar the insurance company owed under that coverage.
They helped Elena access the portion of her policy that covered temporary housing costs, a critical lifeline when her family was displaced with nowhere to go.
Within two weeks of partnering with Alconero, Elena received her first checks.
The result of Alconero’s work speaks louder than any promise on a business card. Elena Gonzalez Perez, a woman who was literally sleeping in a stranger’s Airbnb with nothing to her name, had her home fully rebuilt in under 6 months.
“Without Alconero’s team, I wouldn’t have been able to do absolutely anything,” Elena says. “I’d probably still be waiting for those checks. Without them, I would never have rebuilt the house in less than 6 months.”
Let that timeline sink in. A home destroyed by fire damage after a hurricane. A policy that only covered 70%. FEMA providing zero assistance. Mortgage complications. A language barrier. And still — rebuilt in under 6 months.
That’s not luck. That’s what happens when fire damage specialists who actually know what they’re doing fight for you.
Elena’s experience reveals truths that every Florida homeowner needs to understand before disaster strikes:
1. Your insurance company is not on your side.
Elena expected a simple process: file a claim, receive money. Instead, she got delays, partial approvals, and a bureaucratic nightmare. Insurance companies are designed to minimize payouts, not maximize your recovery.
2. Not all adjusters are equal.
Fifteen adjusters showed up to Elena’s burned home. Fourteen wanted a quick signature. Only Alconero Public Adjusters sat down, explained the process, and actually delivered results.
3. Fire damage claims are uniquely complex.
Between insurance delays, mortgage company involvement, FEMA applications, coverage gaps, and language barriers, fire damage claims require specialized expertise that goes far beyond filling out forms.
4. Speed matters when you’ve lost everything.
Every day without a settlement is a day without a home. Elena needed her money urgently — for temporary housing, for rebuilding, for survival. Alconero’s aggressive approach got first checks in two weeks, not two months.
5. Bilingual support isn’t a luxury, it’s a necessity.
Florida’s diverse population means thousands of fire damage victims face the added challenge of navigating an English-language insurance system. Alconero’s bilingual team eliminates that barrier completely.
Elena Gonzalez Perez has a message for anyone dealing with fire damage in Florida. It’s the same message her neighbor gave her — the one that changed everything:
Alconero te lo digo, que Alconero te consigue tu dinero. ...I'm telling you — Alconero gets you your money.
If your home has suffered **fire damage from a hurricane, electrical fire, lightning strike, or any other cause, don’t make the mistake of going it alone. And don’t sign with the first adjuster who shows up at your door with a clipboard and a promise.
Elena Gonzalez Perez has a message for anyone dealing with fire damage in Florida. It’s the same message her neighbor gave her — the one that changed everything:
Alconero te lo digo, que Alconero te consigue tu dinero. ...I'm telling you — Alconero gets you your money.
If your home has suffered fire damage from a hurricane, electrical fire, lightning strike, or any other cause, don’t make the mistake of going it alone. And don’t sign with the first adjuster who shows up at your door with a clipboard and a promise.
– No upfront cost — they don’t get paid unless you get paid first
– Full bilingual service in English and Spanish
– 24/7 emergency response across all of Florida and Puerto Rico
– Licensed professionals (Florida License P197242)
-25+ years of experience fighting insurance companies for homeowners
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↑ Save this to your contactsIn this video, one of our clients shares her heartbreaking and inspiring story.
After completely losing her home due to Hurricane Milton and a fire caused by a utility pole, she faced a terrifying situation: only 70% insurance coverage, no FEMA assistance, a language barrier, and checks issued in the bank’s name because the property carried a mortgage.
Discover how Alconero & Associates Public Adjusters was by her side from day one, explaining every step of the process without pressure, fighting through insurance company bureaucracy, and securing the funds she needed to rebuild her home in less than 6 months instead of waiting indefinitely. If your property has been damaged and you feel overwhelmed by adjusters, banks, or your own insurance company, we fight for you.
You are not alone!